SEPA
Standard transfers across the euro area and SEPA scheme countries, plus SEPA Instant for transfers that settle in seconds.
1 to 2 days, or seconds with InstantPayments & Money Movement
Local & International Money Transfers
SEPA, SWIFT, and five local payment rails, each handled the way that country’s banking system actually expects. One Send Money experience for your customers, built on the rails that fit each destination.
Internal transfer
UK Faster Payment
European transfer
International transfer
Canada local transfer
UAE local transfer
100.00 EUR
FromEUR Account
ToSusana Barbosa
Payment methodSEPA Instant
Fee1.50 EUR
Send 101.50 EUR
✓
Payment successfully initiated
Susana Barbosa
Coverage
Seven payment routes, each built for the way money actually moves
Every corridor uses the identifiers and timing that bank actually requires, instead of forcing one generic form onto every destination.
SWIFT
International transfers in GBP, EUR, USD, PLN, CAD, and NGN, to almost any country in the world.
Typically 1 to 2 business daysUK Faster Payments
Local UK transfers using a sort code and account number, the way UK customers already expect to send money.
Same day, often within minutesCanada EFT
Local Canadian transfers using an account number, transit number, and institution number.
1 to 2 business daysUAE (UAEFTS)
Local UAE transfers that settle in seconds for smaller amounts, or the same business day for larger ones.
Seconds to same business dayNigeria (NIP)
Local Nigerian transfers through NIBSS Instant Payment, the scheme used by essentially every bank in the country.
Real time settlementEgypt
Available in select cases, through bank transfer or mobile wallet payout. Ask your account team about current availability.
Case by case
A note on maturity: Nigeria’s underlying payment scheme settles in real time, and our current implementation for it involves a Back Office step behind the scenes rather than being fully self serve end to end today. Egypt support exists for specific use cases rather than as a full self serve corridor.
What’s included
The details that make a transfer actually work
Built in IBAN checking
Recipient bank details are verified and auto filled the moment a valid IBAN is entered, with a manual fallback if the check isn’t available.
The right identifier every time
Sort codes for the UK, transit and institution numbers for Canada, IBAN where it’s the standard. Never a generic form that doesn’t fit.
Personal and business recipients
Send to an individual or a company, with the right fields for each, across every corridor that supports both.
Recipients saved automatically
Once a transfer is sent, the recipient is saved for next time, so repeat payments take one tap.
Sanctioned country screening
Restricted destinations are blocked automatically, based on your account’s own configuration.
Clear fees before you send
The total, including fee, is shown before a customer confirms, never as a surprise afterward.
How it works
The same flow, whichever rail fits the destination
Customers pick a method, and the form adapts to what that rail actually needs.
Choose a rail
Internal, UK Faster Payments, SEPA, SWIFT, or a local corridor, from the Send Money screen.
Add or pick a recipient
Enter bank details once, or select someone already saved from a past transfer.
Enter the amount
The fee, if any, is calculated and shown alongside the amount right away.
Review and confirm
Every detail, from bank information to the total amount, before the payment is sent.
Track it through to completion
Status updates, a receipt, and the option to send to the same recipient again.
ADD NEW RECIPIENT
United Kingdom
GB08…
Personal
Dianne
Save new recipient
Adding a recipient
One form, adapted to the rail
The fields a customer sees change based on the destination they picked, not a one size fits all layout.
- Bank details first, then who the money is going to
- Personal or business, with matching fields for each
- A confirmation the moment the recipient is saved
Confirming a payment
Nothing hidden before a customer sends
Every field that matters is visible on one screen, right before the transfer goes out.
- Bank information and, where relevant, intermediary bank details
- Recipient information exactly as it was entered
- The fee and the total amount that will actually be sent
100.00 GBP
Bank information
Payment methodSWIFT
Recipient IBANGB08…
Bank countryUnited Kingdom
Fee
Fee3.50 GBP
Send 103.50 GBP
Why FinHost
Money movement infrastructure, not a single generic form
Built for how each country actually banks
Sort codes, NUBAN, transit numbers, IBAN, each corridor uses the identifier that bank’s own system expects.
One experience, many rails underneath
Customers see a single Send Money flow. The routing, validation, and provider logic for each corridor happens behind it.
Honest about where coverage is still growing
Core corridors are available in one Send Money experience. Where a corridor is still maturing, we say so rather than overstating it.
Related FinHost modules
Connected to the flows around every transfer
Move money the way each country expects it
Multiple payment rails today, with more coverage on the way, all behind one Send Money experience.
🇪🇺SEPA
🌍SWIFT
🇬🇧UK Faster Payments
🇨🇦Canada EFT
🇦🇪UAE UAEFTS
🇳🇬Nigeria NIP
🇪🇬Egypt
Frequently Asked Questions
What’s the difference between SEPA and SEPA Instant?
SEPA settles in 1 to 2 business days with no amount limit. SEPA Instant settles in 10 seconds or less, is available around the clock, and is capped at 100,000 EUR per transaction, provided the recipient’s bank supports it.
Can a customer send money before their account is verified?
No. Every corridor requires an active account with confirmed identity verification before a transfer can be sent.
Is there one fixed list of countries that are blocked?
No. Restricted destinations depend on the payment provider handling that corridor and on your own account’s configuration, so the exact list can vary. Confirm specifics with your account team
Are Nigeria and Egypt available the same way as the other corridors?
Not quite yet. Nigeria’s payment scheme settles in real time, but our current implementation involves a step handled behind the scenes rather than being fully self serve. Egypt is available for specific cases rather than as a complete self serve corridor. Ask your account team for the latest on either.
Does the customer see the fee before sending?
Yes. The fee and the total amount that will be debited are both shown on the confirmation screen before a customer sends a payment.