SCT Instant — Instant SEPA Transfer

SCT Instant (SEPA Instant Credit Transfer) is the instant credit transfer scheme in euro within the SEPA area. Its difference from standard SCT is that the transaction runs 24/7 and the amount reaches the recipient’s account within seconds.

Key features

• Time: Usually under 10 seconds.
• Availability: Continuous, including weekends and public holidays.
• Condition: Both the sending and the receiving bank must support SCT Instant.
• Limit: Banks may apply a per-transaction amount limit.

Limits

Not every bank supports SCT Instant and amount limits can vary. If the recipient’s bank does not support it, the transaction may proceed as a standard SCT.

Related tools

• Transfer time calculator

Instant delivery is not guaranteed; bank support and limits are decisive.