Question 1

What is the difference between SEPA and Instant SEPA?

Accepted Answer

Standard SEPA is batched and takes 1-2 business days. Instant SEPA (SCT Inst) settles in seconds, 24/7 including weekends. Not all banks support Instant SEPA yet.

Question 2

Which countries support SEPA?

Accepted Answer

All EU and EEA countries, plus the UK, Switzerland, Monaco, San Marino, Andorra, and Vatican City. 36 countries in total.

Question 3

Can I sell crypto and receive EUR via SEPA?

Accepted Answer

Yes, for stablecoins: Swaps sells USDC, USDT and USDB through Bridge, paid out by SEPA to a bank account in your name. The fee to sell is 1% (Bridge + Swaps), shown before you send. Residents of the EEA can sell USDC only.

Question 4

Are there additional bank fees for SEPA?

Accepted Answer

Most European banks charge zero fees for SEPA transfers within the EEA. Check with your bank — some charge a small fee for Instant SEPA.