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The Single Euro Payments Area (SEPA)

European Union introduced SEPA to integrate local payments in Euros.

SEPA | Santander Corporate & Commercial Banking
Our UK customers can send and receive SEPA payments.

What you need to know about SEPA payments:

  • They’re delivered next-day to the payee’s bank account.
  • They have a low transfer fee.
  • There are no charges taken from SEPA payments. This means payee will get the full amount of the payment.
  • To send a SEPA payment you need to have the payee’s International Bank Account Number (IBAN).
  • You can make SEPA payments through Santander Online Banking. For help with how to do that, visit our Santander Connect help centre.
  • For information about payment cut off times and fees, see our international payments page.