The time it takes for a SEPA transfer to be executed depends on the issuer's bank.

Within the Single Euro Payments Area (SEPA), standard transfers are typically completed within 24 to 48 business hours.

Instant SEPA transfers are processed in just 10 seconds.

The maximum amount for an incoming instant transfer is €100,000.

If you're expecting an incoming SEPA transfer and haven't received it after 48 business hours, we recommend that the sender contacts their bank to request a proof of transfer. This document is useful for verifying the entered information.

⚠️ A so-called immediate transfer is not an instant transfer. It is treated as a priority. It will be executed the same day, but remains standard (24 to 48 hours for receipt).

Please note:

⚠️ Your Qonto account cannot receive treasury/VSOT transfers. The rejection of a VSOT transfer may result in up to €30 in fees.

👉 See this article to get information on incoming SWIFT transfers receiving time:

How can I receive an international SWIFT transfer?

👉 See this articles to get information on outgoing transfers receiving time :

When will the beneficiary receive my transfer?