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SEPA payments for
European business transfers

Send and receive EUR payments through SEPA using the recipient's IBAN, straight from your Amaiz EUR account. Pay suppliers, contractors and partners across Europe, or get paid by a European client.

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A 3D wall map of Europe in a modern office, with someone looking at it
41SEPA countries available
1,000+businesses use Amaiz
SEPA Credit & Instantavailable from EUR account

What is a SEPA business payment?

It's an EUR transfer from your account to a bank account in the SEPA area, sent as a SEPA Credit Transfer or, where supported, a SEPA Instant payment.

How a SEPA payment travels

Your Amaiz EUR account
Payment is sent from your EUR account
SEPA payment instruction
Amaiz sends the instruction via the SEPA scheme, using the recipient's IBAN
Recipient bank
Receives the payment directly via the SEPA network
Recipient account
Funds are credited to the recipient

When should your business use SEPA?

Use SEPA when you're paying in EUR to an IBAN at a bank in the SEPA area.

UK · GBP

FPS

Used for GBP transfers to UK accounts by sort code and account number, near-instant. Sent from your GBP account.

Global · EUR account

Local payment methods

Used for supported destinations outside the SEPA area, through a local payment rail. Sent from your EUR account.

Europe · EUR

SEPA

Used for euro payments using the recipient's IBAN. SEPA Instant is applied automatically where available. Sent from your EUR account.

Global · All accounts

SWIFT

Used for international payments, including where SEPA doesn't reach. Sent from any currency account.

All EU currencies · GBP, EUR account

Card payouts

Used when the recipient has a Visa or Mastercard debit card but no IBAN. Sent from your GBP or EUR account.

What details do you need for a SEPA business payment?

Good recipient data reduces the risk of payment delays, investigations or returned transfers.

Recipient name or company name
Recipient address and country
Recipient bank name, where required
Recipient IBAN
Payment amount and currency
Payment reference or invoice number, where required

Recipient details

Recipient name
Recipient country
Recipient bank name
Recipient IBAN
Payment amount and currency
Payment reference

Understand SEPA fees before you send

SEPA is a direct euro scheme, so intermediary bank fees are uncommon.

Amaiz shows its transfer fee and final amount preview before confirmation.

Before confirming, review:

1
Amaiz transfer fee
2
Recipient amount preview

SEPA payment pricing

SEPA payment fees by payment amount
Incoming
SEPA Credit / SEPA Instant (EUR) Free
OutgoingFee per transaction, based on the amount of that individual payment — not your cumulative volume.
€0 – €9,999.99 €1
€10,000 – €99,999.99 €5
€100,000 – €499,999.99 €10
€500,000 – €999,999.99 €15
€1,000,000+ €20

Standard tariffs shown, effective 7 September 2026. Fees may vary depending on your business profile and risk category and will be confirmed during onboarding.

View pricing

Send a SEPA business payment in a few steps

1
Choose your Amaiz EUR account

Select your EUR account, then press Transfer.

2
Select SEPA Transfer

Choose SEPA Transfer from the list.

3
Add recipient IBAN details

Enter the recipient's name, IBAN and bank details — no BIC needed.

4
Enter amount and reference

Choose how much to send in EUR, and add a payment reference or invoice number where requested.

5
Review fee and recipient amount

Check the payment details before confirming.

6
Authorise and track

Confirm the payment and monitor activity from your account.

Illustrative screens with sample data — fields may vary by country and account type.

Amaiz accounts screen showing GBP and EUR account balances

Use SEPA for business payments across Europe

When a payment is in EUR and the recipient can receive SEPA transfers, SEPA can support supplier, contractor and partner payments across the SEPA area.

Pay European suppliers

Send invoice payments for suppliers, imports, services and trade relationships.

Pay European contractors

Pay agencies, freelancers and service providers across the SEPA area.

Support EU partner payments

Manage EUR payments to partners in supported European destinations.

Send EUR payments across Europe

Use your EUR account for eligible recipients within the SEPA scheme.

Combine with FPS and SWIFT

Use SEPA alongside Faster Payments and SWIFT to cover destinations outside the SEPA area.

Support subsidiary transfers

Move EUR funds between your business and subsidiaries or group companies across Europe.

Keep SEPA payments organised

Alongside EUR payments, your team needs records, reports and support.

Repeat transfers

Press Repeat transfer on any earlier payment to send it again quickly.

Custom reports

Filter transactions by date, currency or recipient, then export for reconciliation.

Statements and records

Download statements and payment records for your accounts.

Customer support

Reach our team for account and compliance queries.

Built for secure European EUR payments

Security checks, transaction monitoring and compliance processes protect account activity.

Two-factor authentication

Login and payment confirmation require a second verification step.

Transaction monitoring and fraud detection

Outbound payments are screened against fraud patterns in real time.

KYC and AML compliance

Continuous screening against sanctions lists and AML rules under FCA regulations.

Safeguarded funds

Customer funds held in segregated accounts.

Payment review checklist

Recipient verified
Fee reviewed
2FA required
Compliance checks active

Ready to send SEPA payments with Amaiz?

Open a digital business account and manage EUR payments to eligible European suppliers, contractors and partners from one workspace.

Create an account

Frequently asked questions

How do SEPA business payments work with Amaiz?+
With Amaiz, SEPA business payments let you send and receive EUR transfers from your EUR account to recipients across the SEPA area — for example paying a European supplier or contractor, or getting paid by a European client.
Is SEPA a bank transfer?+
Yes. SEPA (Single Euro Payments Area) is a standardised euro bank transfer scheme that lets businesses and individuals make and receive EUR payments across participating European countries using the same account details — an IBAN — as a domestic transfer.
How long does a SEPA payment take?+
It depends on the type of SEPA transfer. A SEPA Credit Transfer (SCT) typically takes 1-2 business days. A SEPA Instant Payment usually completes within seconds, any time of day. Where SEPA Instant is available, Amaiz applies it automatically.
Can the UK use SEPA after Brexit?+
Yes. The UK remains part of the SEPA scheme after Brexit, so UK business accounts that hold and send euros can still make and receive SEPA payments to and from the rest of Europe.
Which countries can receive SEPA payments?+
SEPA covers 41 countries across Europe, including all EU member states plus the UK, Switzerland, Norway, Iceland, and several Western Balkan and Eastern European countries that joined between 2024 and 2025. Amaiz availability may depend on the recipient's bank and account.
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