SEPA vs SWIFT

This quick guide helps you pick the right payment method based on your destination and needs.

1. The simple answer
2. When to use each
3. Quick decision

The simple answer

SEPA = Fast, cheap transfers within Europe

SWIFT = Global transfers outside Europe

When to use each

Choose SEPA for:

• Transfers within Europe (36 countries including EU, UK, Switzerland, Norway)
• Euro transactions
• Speed (same day to 1 business day)
• Lower costs (typically €0.50-€2)

Choose SWIFT for:

• Transfers outside Europe
• Non-European countries (Asia, Africa, Americas, etc.)
• Multiple currencies
• Takes 1-5 business days, costs €15-€50+

Quick decision

✅ Europe destination? → Use SEPA

✅ Outside Europe? → Use SWIFT