Winvesta Business Support
< All Topics

What Are SEPA Transfers?

SEPA (Single Euro Payments Area) transfers are used while making domestic or cross-border bank transfers in Europe. SEPA unifies transfers in the European Union, making these transfers as easy and affordable as domestic transfers. Most of the SEPA transfers are in fact free.

Sepa Countries List:


 Andorra  Greece  Norway
 Austria  Hungary  Poland
 Belgium  Iceland  Portugal 5
 Bulgaria  Ireland  Romania
 Cyprus  Italy  San Marino
 Croatia  Latvia  Slovakia
 Czech Republic  Liechtenstein  Slovenia
 Denmark 1  Lithuania  Spain 6
 Estonia  Luxembourg  Sweden
 Finland 2  Malta  Switzerland
 France 3  Monaco  United Kingdom 7
 Germany  Netherlands 4  Vatican City


Notes for SEPA Countries table above:

  1. Excluding the Faroe Islands and Greenland.
  2. Including the Aland Islands.
  3. Including Martinique, Guadeloupe, French Guiana, Réunion, St Pierre et Miquelon, Mayotte, Saint Martin and Saint Barthélemy but excluding New Caledonia and Dependencies, French Polynesia, French Southern and Antarctic Territories, and the Wallis and Futuna Islands.
  4. Excluding Aruba and the Netherlands Antilles.
  5. Including Azores and Madeira.
  6. Including the Canary Islands, Ceuta and Melilla.
  7. Including Gibraltar, the Isle of Man, Guernsey, Jersey, but excluding Anguilla, Cayman Islands, Falkland Islands, South Georgia and the South Sandwich Islands, Montserrat, Pitcairn, Saint Helena and Dependencies, British Antarctic Territory, British Indian Ocean Territory, Turks and Caicos Islands, and the British Virgin Islands.

SEPA Payment Charges

At Winvesta, most of the regular European payments are made via SEPA. When your client sends money to Winvesta from a SEPA country, it should cost them the same as a local transfer (in most cases that’s free).

SEPA Transfer Time

Receiving SEPA transfers depends on the speed and network of the sending bank. While most transactions are completed within 1-2 business days, some may take up to 5 business days. Unfortunately, we cannot track incoming SEPA transfers, but your sender’s bank should be able to guide on the status of the transfer.