SEPA Instant Checker Tool
✓ No data stored · Works offline · Instant validation
Enter any European bank code – we’ll detect the type automatically
SEPA Instant Available
10 SecondsBank:
Country:
Code:
Type:
Max Instant Amount:
Availability:
What this means:
✓ Transfers arrive in 10 seconds, 24/7/365
✓ No extra fees beyond standard SEPA charges
✓ Your amount () is within instant limits
✓ Both sending and receiving banks support SEPA Instant
Fast SEPA Available
1 Business DayBank:
Country:
Code:
Arrival:
Reason:
Options to speed up:
• Reduce amount to under for instant
• Use Wise or Revolut for instant cross-border
• Schedule transfer for next business day opening
• Check if recipient has alternative instant-enabled account
Standard SEPA Only
1-2 Business DaysBank:
Country:
Code:
Estimated Arrival:
Limitation:
What you can do:
• Send anyway – it will arrive in 1-2 business days
• Ask recipient for instant-enabled account details
• Use alternative transfer service like Wise
• For urgent payments, consider SWIFT (higher fees)
Validation Failed
Immediate actions:
- Verify code with the recipient directly
- Check for typos or formatting errors
- Ensure it’s a European bank code
- Contact your bank for assistance
How SEPA Instant Checking Works
SEPA Instant transfers euros between accounts in under 10 seconds, 24/7. However, not all banks participate, and those that do have specific limits and requirements.
SEPA Instant Availability = Valid Code + Participating Bank + Amount ≤ Limit + Time Window
Real-time calculation example:
- Code: DE89 3704 0044 0532 0130 00 (valid Commerzbank IBAN)
- Bank: Commerzbank (SEPA Instant participant since 2019)
- Amount: €1,000 (under €15,000 instant limit)
- Time: Saturday 8 PM (SEPA Instant works 24/7)
- Result: Available – transfers in 10 seconds
Why instant validation matters:
SEPA Instant has strict limits (typically €15,000-€100,000). Checking first ensures your urgent payment actually arrives urgently.
SEPA Instant Bank Participation
| Bank | Country | Instant Limit | 24/7 |
|---|---|---|---|
| Deutsche Bank | Germany | €100,000 | Yes |
| Commerzbank | Germany | €15,000 | Yes |
| BNP Paribas | France | €50,000 | Weekdays only |
| Santander | Spain | €25,000 | Yes |
| ING | Netherlands | €100,000 | Yes |
| N26 | Germany | €50,000 | Yes |
| Revolut | Lithuania | €10,000 | Yes |
| Wise | Belgium | €1,000,000 | Yes |
Important Note:
Instant transfers only work if both sending and receiving banks participate in SEPA Instant. The slowest bank determines the speed.
Common SEPA Instant Scenarios
| Scenario | Code | Amount | Result | Why |
|---|---|---|---|---|
| Supplier payment | DE89 3704 0044 0532 0130 00 | €12,000 | Instant (10s) | Under €15k limit, bank supports 24/7 |
| Property deposit | DE89 3704 0044 0532 0130 00 | €25,000 | Next business day | Over €15k limit, downgrades to standard |
| Freelancer invoice | FR76 3000 6000 0112 3456 7890 189 | €8,000 | Next business day | BNP Paribas instant only weekdays |
If Instant Isn’t Available:
1. Split payment into smaller amounts
2. Use alternative service like Wise
3. Schedule transfer strategically
4. Ask recipient for instant-enabled account
Frequently Asked Questions
Can I get instant transfers on weekends?
Yes, if both banks support 24/7 instant. Many do: Deutsche Bank, ING, N26, Revolut, Wise. Some don’t: BNP Paribas, many French and Italian banks.
Do I pay extra for SEPA Instant?
Usually no extra charge beyond standard SEPA fees (typically €0-€1). Some banks charge €0.50-€2 for instant vs free for standard.
What’s the difference between SEPA and SEPA Instant?
SEPA: Next business day, euro transfers within Europe. SEPA Instant: 10 seconds, 24/7, same region.
Are there amount limits for instant transfers?
Yes, per bank. Common limits: €15,000 (Commerzbank), €50,000 (N26), €100,000 (Deutsche Bank, ING), €10,000 (Revolut), €1,000,000 (Wise).