Wise Europe
Wise Europe SA/NV
- BIC
- TRWIBEB1XXX
- BLZ (Germany)
- —
- Website
- www.wise.com
- Fee information
- Instead of a fixed SEPA fee, Wise charges a small amount-based fee and uses the mid-market rate (e.g. a few euros on a €1,000 transfer); incoming SEPA is free. Source: Wise pricing (checked: Jul 2026).
SEPA status — three separate layers
In SEPA, three concepts must not be conflated: a bank's registration in a scheme, offering it to customers and actually providing the service are different things. Below, these three layers are shown separately. "Not verified" = not independently confirmed; nothing is guessed.
1) Scheme status (four separate layers)
A green "Yes" is not given by legal obligation alone. For each scheme, four layers are shown separately: Legal scope · EPC register entry (authoritative) · Bank declaration · Customer access.
| Scheme | Legal scope | EPC register entry | Bank declaration | Customer access |
|---|---|---|---|---|
| SCT (SEPA Credit Transfer) | Not verified | Yes | Not verified | Not verified |
| SCT Instant | Not verified | Yes | Not verified | Not verified |
| SDD Core (direct debit) | Not verified | Yes | Not verified | Not verified |
| SDD B2B | Not verified | No | Not verified | Not verified |
| Verification of Payee (VoP) | Not verified | Yes | Not verified | Not verified |
EPC register source: European Payments Council — Register of Participants (2026-06-12). This bank was matched in the EPC register.
SDD (direct debit) detail
SDD is not a single "Yes/No": the debtor side (collection from the account + refund) and the creditor side (collecting money) are different things.
SDD Core — EPC register entry
EPC Register of Participants (2026-06). Authoritative source.
SDD Core — debtor reachability (collection from account + refund)
At a bank registered in the scheme, a SEPA direct debit can be collected from the account; the refund right applies (8 weeks for authorised / 13 months for unauthorised).
SDD Core — creditor collection initiation (collecting money)
Collecting as a creditor requires a Creditor Identifier + collection infrastructure; whether this is offered to standard personal customers is not verified.
SDD B2B — EPC register entry
EPC Register of Participants (2026-06).
Creditor Identifier (CI) support
Whether the bank issues a CI to its customers has not been independently verified.
Refund / dispute function
Under SDD Core scheme rules the debtor has a refund right; the implementation detail varies by bank.
2) Customer availability and operational status
Which customer segments (personal, business) and channels (web, mobile, branch) this bank actually offers the SEPA schemes to has not been independently verified. Scheme reachability does not mean the product is offered.
3) Message formats (ISO 20022)
| pain.001 (payment instruction) | Not verified |
| camt.053 (account statement) | Not verified |
| camt.054 (debit/credit notification) | Not verified |
4) Connection and API channels
"API" is not a single thing. PSD2 XS2A (regulated access for licensed third parties) is different from a public developer API or a corporate payment API.
PSD2 / Open Banking access interface (XS2A)
REGULATED access for licensed third parties (AISP/PISP) (Del. Reg. 2018/389). It is NOT a public developer API.
General / developer API product
Whether a public commercial developer API is offered has not been independently verified.
Corporate payment-initiation API (host-to-host)
Not verified.
EBICS
Corporate file-exchange protocol (mainly DE/FR/AT).
File upload / SFTP
Not verified.
Wise is not a bank but a Belgium-licensed electronic money institution (EMI). Sending/receiving euros (SEPA Credit Transfer) is Wise's core product (source: Wise product/pricing pages) — this is a product-level confirmation, not derived from country membership. Because the EU Instant Payments Regulation (EU 2024/886) deferred the SCT Instant/VoP obligation for EMIs to 9 April 2027, SCT Instant support is not guaranteed until that date (not verified). The EPC participant-register entry and other technical features must be assessed separately.
Last verified: 16 July 2026
Fees
Instead of a fixed SEPA fee, Wise charges a small amount-based fee and uses the mid-market rate (e.g. a few euros on a €1,000 transfer); incoming SEPA is free. Source: Wise pricing (checked: Jul 2026).
Limits and cut-off
Instant payments (SCT Instant) operate 24/7 and have no cut-off time. Since 5 October 2025 the scheme-wide €100,000 cap has been removed (theoretical maximum €999,999,999.99); a bank may set its own limit, but the SCT Instant limit cannot be lower than the standard SCT limit. Source: EPC 2025 SCT Inst Rulebook.
For standard SEPA (SCT) transfers, the bank has a daily cut-off time; a transaction sent after this time is processed on the next business day.
The exact standard SCT cut-off time for this bank has not been verified here; check the bank's current tariff for the current value.
Current tariff (automatic monitoring)
E — Not verifiedLoading tariff information…
The exact fee varies by account plan, channel and customer type and is updated frequently. Before giving a payment instruction, confirm from the bank's official current tariff.
Sources
SEPA scheme rulebooks & geographical scope
European Payments Council (EPC)
- Document date:
- 2025
- Last checked:
- 2026-07-16
Spotted an error or want to suggest a current source? See our methodology.