What is SEPA Instant?

SEPA Instant is a pan-European payment system that allows you to send money across 36 countries in just seconds. With Noveba, you can make euro transfers instantly — 24/7 — including weekends and holidays. It’s fast, reliable, and built for modern business needs.

Are all banks part of SEPA Instant?

No, not every bank is connected to SEPA Instant. It’s important to check whether the recipient’s bank can receive instant payments. You can find the official list of participating banks by downloading the PDF from the European Payments Council: View the list

SEPA stands for Single Euro Payments Area. It was created to simplify euro transfers between European countries, making them as seamless as domestic payments. The goal is to support faster, easier transactions for individuals and businesses throughout the region.

What’s the maximum amount I can send with SEPA Instant?

The technical maximum amount per SEPA Instant payment is €100,000, but the exact limit depends on bank’s policies and the arrangements you have in place with them.

What’s the difference between SEPA and SEPA Instant?

Standard SEPA payments are processed in batches at set intervals during business hours. SEPA Instant payments are processed individually, in real time, allowing funds to move between accounts in seconds — any time of day.

SEPA & SEPA Instant Payments

Instantly send payments to 36 European countries — anytime, with no delays.

Noveba: Instant Payments Across Europe

We give businesses across Europe direct access to SEPA Instant, enabling fast and reliable payments across borders. Whether you work with remote teams, suppliers, or partners in multiple countries, our direct connection ensures transactions reach employees and vendors in seconds — 24/7, with seamless execution.

Fast Transfers. Smarter Control.

At With Noveba, SEPA Instant means more than just speed — it’s about empowering your business with real-time financial flexibility. Instantly send payments to cover payroll, suppliers, or urgent costs — all without the wait.

Noveba: Instant Payments Across Europe

We give businesses across Europe direct access to SEPA Instant, enabling fast and reliable payments across borders. Whether you work with remote teams, suppliers, or partners in multiple countries, our direct connection ensures transactions reach employees and vendors in seconds — 24/7, with seamless execution.

Which countries are a part of SEPA?

Eurozone countries

Andorra
Austria
Belgium
Cyprus

Estonia

Germany

Ireland
Italy
Latvia
Lithuania
Luxembourg
Greece
Malta
Netherlands

Slovakia
Slovenia

Vatican City State

Andorra
Austria
Belgium
Cyprus
Estonia
Germany
Greece
Ireland
Italy
SpainIncluding Canary Islands and Ceuta en Melilla
MonacoMonaco and San Marino have bilateral agreements with the EU to use the euro as their official currency
FranceIncluding French Guiana, Guadeloupe, Martinique, Mayotte, Saint Barthélemy, Saint Martin (French part), Réunion and Saint Pierre and Miquelon
PortugalIncluding Azores and Madeira
San MarinoMonaco and San Marino have bilateral agreements with the EU to use the euro as their official currency
Latvia
FinlandIncluding Åland Islands
Lithuania
Luxembourg
Malta
Netherlands
Slovakia
Slovenia
Vatican City State

Non-Eurozone countries

Bulgaria
Croatia
Czech Republic
Denmark
Hungary
Iceland
Liechtenstein

Norway
Poland
Romania
Sweden
Switzerland
Guernsey
United Kingdom
Including Gibraltar

Noveba gives your business payment freedom.

At Your company is unique — and business doesn’t stop at Europe’s borders. That’s why we go beyond SEPA and SEPA Instant, offering you access to multiple payment networks worldwide. As your network of suppliers, employees, and customers grows, we ensure you have the right payment options to match your operational needs.