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Instant payment

Instant payment is a new payment solution which allows making European transfers in just seconds around the clock.

Money will be transferred to the beneficiary’s account immediately, regardless of the time or day

If the sum of the payment is under 15,000 euros and the bank of the beneficiary has joined the instant payment system, the transfer will be made automatically as an instant payment. The client does not have to do anything. Usually, instant payments take just a moment, but in certain cases where the payment requires additional monitoring, money might take longer to be transferred. The price of an instant payment is the same as the price of SEPA (Single Europe Payment Area) payments for the clients of SEB.

Joining the instant payment system is not obligatory for banks

The settlement system of instant payments is managed by the pan-European company EBA Clearing. A list of banks joining the instant payment system is available on their website. The list only shows direct members, through whom other banks may also join. For example, SEB Latvia will join the instant payment system through SEB Eesti.

Making instant payments is easy

If instant payments can be made, the client does not need to choose the type of payment – the choice has already been made for them.

If an instant payment fails due to technical difficulties, we will automatically change it to an SEPA payment. If the client does not wish to use this solution, they can note that on the payment form.

If an instant payment is rejected (e.g. the account of the beneficiary is unknown or closed), SEB does not automatically make an SEPA payment, but will instead return the sum of the instant payment to the account of the remitter.



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