SEPA Transfer Checker Tool
✓ No data stored · Works offline · Instant results
Enter your International Bank Account Number
SEPA Transfer Ready
Status: Eligible for SEPA transfer
Country:
Bank:
BIC/SWIFT:
IBAN:
Transfer Speed:
Estimated Arrival:
Breakdown:
✓ SEPA Compliant: Euro transfers within Europe · Same currency · No hidden fees
Limited SEPA Compatibility
What this means:
- Higher transfer fees may apply
- Longer processing time (2-3 business days)
- May require additional documentation
- Consider using Wise or Revolut for better rates
Not SEPA Eligible
What to do:
- Verify the code with the recipient
- Check if the country participates in SEPA
- Contact your bank for assistance
- Consider alternative transfer methods
How SEPA Transfer Validation Works
SEPA (Single Euro Payments Area) allows euro-denominated transfers between participating European countries like domestic transfers. The system validates country participation, bank identification, and account verification.
SEPA Eligibility = Valid IBAN + SEPA Country + Participating Bank
Example: German bank transfer
- IBAN: DE89 3704 0044 0532 0130 00 (valid format, German country code)
- Country: Germany (SEPA member since 2008)
- Bank: Commerzbank (participates in SEPA Credit Transfer)
- Result: Eligible for next-business-day transfer
Why validation matters:
Failed SEPA transfers can take 5-10 business days to return to your account. Validating first prevents weeks of hassle and potential penalty fees.
SEPA Country Participation
| Country Code | Country | Currency | SEPA Status |
|---|---|---|---|
| DE | Germany | EUR | Full SEPA |
| FR | France | EUR | Full SEPA |
| ES | Spain | EUR | Full SEPA |
| IT | Italy | EUR | Full SEPA |
| NL | Netherlands | EUR | Full SEPA |
| CH | Switzerland | CHF | Limited SEPA |
| GB | United Kingdom | GBP | Limited SEPA |
Important Note:
SEPA only handles euro transfers. For other currencies, use SWIFT international transfers instead.
Common SEPA Validation Scenarios
| Input | Type | Status | Explanation |
|---|---|---|---|
| DE89 3704 0044 0532 0130 00 | IBAN | Valid | German Commerzbank, full SEPA |
| FR76 3000 6000 0112 3456 7890 189 | IBAN | Valid | French BNP Paribas, full SEPA |
| US64 1234 5678 9012 3456 78 | IBAN | Invalid | US not in SEPA (use SWIFT) |
| DE89 3704 0044 0532 0130 0 | IBAN | Invalid | Too short (21 chars, needs 22) |
| DEUTDEFF | BIC | Valid | Deutsche Bank Frankfurt |
If Validation Fails:
1. Verify with the recipient directly
2. Check country participation
3. Use alternative transfer services if needed
Frequently Asked Questions
How long do SEPA transfers take?
Standard SEPA: 1 business day. Urgent SEPA: Same day if submitted before cutoff time (typically 2-4 PM). Weekends and bank holidays don’t count as business days.
Do I need both IBAN and BIC for SEPA?
Legally yes, but many banks can determine BIC from IBAN automatically. Always provide both when giving your details to others.
Can I send SEPA transfers from outside Europe?
Yes, if your bank participates in SEPA. Many global banks offer SEPA transfers from their European branches. US-based accounts typically need European accounts or services like Wise.
Are there amount limits for SEPA transfers?
No official limits, but banks set security limits. Typical limits: €10,000-€50,000 per day for online banking.