SEPA Instant

Send and receive euro payments in seconds with SEPA Instant. With SEPA Instant, you can send and receive eligible euro payments within 10 seconds, 24 hours a day, 365 days a year. 

Sending money

You can send a SEPA Instant payment from your Affinity Credit Union account through online or mobile banking. Simply select “Instant Transfer” when making your payment and enter the recipient’s IBAN.

Receiving money

You can receive SEPA Instant payments directly into your Affinity Credit Union account. Your individual IBAN can be used to receive payments from participating banks and financial institutions across the SEPA area.

Loan accounts can now also receive SEPA Instant payments. This is a new service development, so please ensure you use the correct loan account IBAN when making a payment.

There are no cut-off times for SEPA Instant payments made through online banking, although availability may be affected by temporary maintenance or other service interruptions.

Please check the recipient’s name and IBAN carefully before sending a payment. Instant payments are processed within seconds and may be difficult to recall once sent.

SEPA Instant payments are subject to the availability and participation of the sending and receiving financial institutions.