What’s the difference between SEPA and SWIFT?

This quick guide helps you choose the most suitable payment method based on the destination and your needs.

• SEPA = Fast and cost-effective transfers within Europe

• SWIFT = Global transfers outside Europe

When to use each one:

Choose SEPA for:

• Transfers within Europe (36 countries, including EU, UK, Switzerland, Norway)

• Euro transactions

• Speed (same day or up to 1 business day)

• Lower costs (usually between €0.50 and €2)

Choose SWIFT for:

• Transfers outside of Europe

• Non-European countries (Asia, Africa, the Americas, etc.)

• Multiple currencies

• 1–5 business days, costs between €15 and €50 or more

Summary

✅ Destination in Europe? → Use SEPA
✅ Outside Europe? → Use SWIFT