SEPA Instant Credit Transfer

You will be able to send SEPA Instant Credit Transfers as of autumn 2025. You can then choose whether you want to make a normal credit transfer or a SEPA Instant Credit Transfer in Nordea Mobile or Netbank. With SEPA Instant Credit Transfers, payments will be transferred to the payee in less than 10 seconds.

Your benefits

• You can pay bills and transfer money to the payee’s account immediately. 
• You can send money quickly to all euro countries within the Single Euro Payments Area (SEPA).
• SEPA Instant Credit Transfer allows you to make payments anytime, including weekends and bank holidays.
• Real-time money transfers are free of charge for you.

We will provide further information on this page when SEPA Instant Credit Transfer becomes available in Nordea Mobile and Netbank.

As a private customer of Nordea, you are able to receive SEPA Instant Credit Transfers from European banks. The service to send payments as instant will become available during 2025.

Nordea transfers the funds to your euro-denominated account immediately once the payment has arrived to Nordea as a SEPA Instant Credit Transfer. Receiving a SEPA Instant Credit Transfer is free of charge for you.

There is a maximum limit of 100,000 euros per single payment which applies to all banks offering the service.

The service is wide-spread in Europe and the number of participating banks is growing at a fast pace. In the near future, all the participating banks will have the mandate to offer the service.

See the list of banks offering the serviceOpens new window

Benefits to you

• The use of a new European instant payment service.
• Reception of payments from other banks whenever, also on weekends and public holidays.
• Immediate reception of funds.
• The SEPA Instant Credit Transfer amount is transferred to your account in full.
• Reception of SEPA Credit Transfer is free of charge.
• The banks offering the service follow the same common rules when handling SEPA Instant Credit Transfers.