Coming soon: make credit transfers in seconds

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.

Coming up in autumn 2025

Further enhancements to payment security

We will introduce new features in Nordea Mobile and Netbank.

  • Verification of the payee’s account number:  When you enter the payee’s name and account number in the payment details, you will be informed whether the name and account number match each other. This way you can be sure that you’re making a payment to the correct account holder.
  • Payment limits: You will be able to set a daily payment limit for your credit transfers. The limit will apply to euro payments made within the SEPA zone.

We will tell you more about these new features once we get closer to introducing them.

Receive SEPA Instant Credit Transfers from European banks

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.

Receiving SEPA Instant Credit Transfers

No action is needed from you to receive a payment. The only requirement is to have a euro-denominated account at Nordea in Finland.

In order for you to receive a SEPA Instant Credit Transfer, the payer’s bank needs to be able to send SEPA Instant Credit Transfers.

Sending SEPA Instant Credit Transfers

You will be able to send SEPA Instant Credit Transfers as of early autumn 2025. With SEPA Instant Credit Transfers, you can send money to all euro countries within the SEPA zone in less than ten seconds.

Prices

Credit transfer and bill payment as self-service
Incoming euro-denominated credit transfer from the Single Euro Payments Area (SEPA) to a euro account0,00 €
ReceiptPrice
Receipt ordered with access codes through self service6,00 €