What is SEPA Instant?
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The SEPA instant payments regulation came into effect in 2025. This means you have been able to receive money into your account instantly since the 9th January 2025 and you will be able to send instant payments on or before the 9th October 2025. Payments will be made instantly and received within 10 seconds, 24 hours a day, 7 days a week, even at weekends and on bank holidays.
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There will be no need to install extra apps, as the additional functionality will be available in your online or mobile banking access to allow you to send and receive euro payments across the Single European Payments Area in under 10 seconds.
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You will receive immediate confirmation on successful completion of the payment, giving you peace of mind that your payment has been delivered successfully. SEPA Instant makes managing your money faster, easier, and more convenient than ever.
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There are no cut-off times for Instant payments made through online banking. Subject to internal controls and validations you can set up a payment on any
day, at any time, and it will be processed instantly.