Overview

• From October 9, 2025, SEPA institutions are required to let customers send instant payments, building on the January 9 mandate to receive them.
• Instant euro transfers are designed to reach recipients in about 10 seconds with round-the-clock availability throughout the year.
• Coverage includes Croatia, which uses the euro, streamlining cross-border payments for tourists and business travelers without currency conversion.
• Fees for instant payments may not exceed those for conventional SEPA transfers, ending previous surcharges although some banks may still charge.
• Availability varies as some cooperative and smaller banks report technical delays and potential errors, so customers are advised to check with their providers.