Bank SEPA Fee & Capability Comparison
See European banks' SEPA transfer fee and scheme capabilities (SCT Instant, SDD, EBICS, API) side by side. The data is curated and sourced; for the exact fee, rely on the bank's current tariff.
Updated:
| Bank | SCT Inst | SDD | EBICS | API | Fee note |
|---|---|---|---|---|---|
| Deutsche Bank Germany | ✓ | ✓ | ✓ | ✓ | Online standard SEPA transfers are included in most personal account plans; the exact situation depends on the account model (Kontomodell). Under the EU Instant Payments Regulation (EU) 2024/886, since 9 January 2025 an instant transfer (SCT Instant / Echtzeitüberweisung) cannot be MORE EXPENSIVE than the corresponding standard SEPA transfer; receiving an incoming instant transfer is free for personal customers. The exact amount depends on the account plan and must be verified from the bank's current Preis- und Leistungsverzeichnis (checked: Jul 2026). |
| Commerzbank Germany | ✓ | ✓ | ✓ | ✓ | Paperless (online) SEPA transfers are free (same as domestic, €0–1.50); instant transfer €1.50 (receiving is free). Source: Commerzbank (checked: Jul 2026). |
| N26 Germany | ✓ | ✓ | — | ✓ | On the N26 Standard account, euro SEPA transfers and incoming SCT Instant are free. Source: N26 (checked: Jul 2026). |
| Revolut Bank Lithuania | ✓ | ✓ | ? | ✓ | On the Revolut Standard plan, euro SEPA transfers are free. Source: Revolut (checked: Jul 2026). |
| Wise Europe Belgium | ? | ✓ | ? | ✓ | 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). |
| ING Netherlands | ✓ | ✓ | ✓ | ✓ | At ING, euro SEPA transfers are free; instant transfer (Echtzeit) is also offered free of charge. Source: ING (checked: Jul 2026). |
| Rabobank Netherlands | ✓ | ✓ | ? | ✓ | At Dutch banks no transaction fee is charged for euro SEPA transfers; the account-package fee is separate. Source: Rabobank (checked: Jul 2026). |
| BNP Paribas France | ✓ | ✓ | ✓ | ✓ | SEPA euro transfers (virements SEPA) are free; the account-maintenance fee is ~€2.5 (may be free with a package or for under-26s). Source: BNP Paribas (checked: Jul 2026). |
| Santander Spain | ✓ | ✓ | ? | ✓ | Online/mobile SEPA transfers (domestic + euro area) are free on most accounts; the Cuenta Online has no maintenance fee. Source: Banco Santander (checked: Jul 2026). |
| UniCredit Italy | ✓ | ✓ | ✓ | ✓ | Online SEPA transfers (Italy + EU/EEA) €0; from a branch €7.25. Instant transfer free within the EU (Genius accounts), €5.50 outside the EU. Source: UniCredit (checked: Jul 2026). |
| KBC Belgium | ✓ | ✓ | ✓ | ✓ | Online SEPA and instant transfers carry no extra fee; the account package starts at €2.50/month (free for under-24s). Source: KBC (checked: Jul 2026). |
| Erste Bank Austria | ✓ | ✓ | ✓ | ✓ | Euro SEPA transfers are generally free; an instant transfer is not more expensive than a standard one (EU rule) and varies by package. Source: Erste/Sparkasse (checked: Jul 2026). |
✓ yes · — no · ? not verified. Fees vary by plan/channel; for the exact value use the bank's tariff.
How does this tool calculate?
Medium — estimate derived from a tariff- Method/formula used
- Side-by-side display and filtering of banks' fee note + SCT Instant/SDD/EBICS/API capabilities.
- Data used
- On-site bank data (banks.ts); fees from banks' tariff pages, with field-level confidence
- Automatic assumptions
- Beta / limited scope: only a curated subset of banks is listed; it does not cover all European banks
- Fee fields carry a field-level confidence level; for the exact value the official tariff prevails
- Unsupported cases
- For the exact/current tariff, the bank's official price list prevails
- Unverified fields are shown as 'Not verified'
How to use this tool
- Review the table: for each bank, the SEPA Instant, SDD, EBICS, API capabilities and fee note are listed side by side.
- Filter: narrow the list by typing a bank name or country in the box above.
- Detail: click a bank name to open its full profile (3-layer SEPA status + sources).
About the fees
Under the EU Equal-Charges Regulation (Reg. (EU) 2021/1230), a cross-border euro transfer is subject to the same charge as its domestic equivalent; in addition, the instant-payment fee cannot exceed that of a normal transfer (Reg. (EU) 2024/886). The fee notes in the table are curated from the banks' official tariff pages and may vary by plan.
Scheme participation and the product offered to the customer are not the same thing; fields marked "?" have not been independently verified. Confirm the bank's current tariff before making a payment.
Related: SEPA Instant comparison, all bank profiles.
Sources
Instant Payments Regulation (IPR) — eurozone credit institutions must offer receiving SEPA Instant (SCT Inst) from 9 January 2025, and sending plus Verification of Payee (VoP) from 9 October 2025; for EMIs 9 April 2027
European Union — Regulation (EU) 2024/886 (amends 2021/1230 and 260/2012)
- Document date:
- 2024-03-13
- Last checked:
- 2026-07-16
- Valid from:
- 2025-01-09
Cross-border payments regulation — the charge for a cross-border euro payment must be the SAME as the equivalent domestic payment (equal-charges principle); also, the charge for a cross-border euro instant transfer may not exceed that of a normal transfer
European Union — Regulation (EU) 2021/1230 (codifies 924/2009; amended by 2024/886)
- Document date:
- 2021-08-19
- Last checked:
- 2026-07-16
- Valid from:
- 2021-08-19
Second Payment Services Directive (PSD2) — Directive (EU) 2015/2366 + RTS (Del. Reg. (EU) 2018/389, Art. 30-31): online payment-account providers must open AT LEAST ONE compliant access interface to licensed third parties (AISP/PISP) — a dedicated API or an adapted customer interface; the choice is the bank's. It is a regulated access channel, not a public commercial developer API (since 2019).
European Union / European Banking Authority (EBA)
- Document date:
- 2015
- Last checked:
- 2026-07-16
- Valid from:
- 2019-09-14