Send and receive money instantly across 36 European countries, with just a few taps.
You don’t have to wait anymore. SEPA instant transfers are available 24/7, including weekends and holidays, so you can move your money around Europe whenever you need it.
SEPA transfers are the easiest way to get paid if you work in Europe. Use the IBANs linked to your account and cards to receive your salary or payments from your customers in the EU. It’s free, quick and secure.
You’ll pay just €0.50 for outgoing SEPA transfers, while all incoming transfers are free.
We use strong multi-factor authentication, so only you can access your account and authorise transactions.
You’ll get an alert the moment you send or receive a transfer. You can also track all transactions via the app.
With SEPA Instant you can transfer any amount, big or small. Whether you want to settle your bills, pay your loans or buy property abroad, you can do it effortlessly and securely.
Need to split the bill, pinch in on a family trip, or help out a friend? Send money instantly to other CFPS customers across Europe at no cost at all.
Open your free account and top it up
Set up your transfer with 2 taps and hit confirm
All done! Your money will be delivered in seconds
What is a SEPA transfer?
SEPA stands for the Single Euro Payments Area, and a SEPA transfer is a type of electronic payment used to transfer funds between bank or e-money accounts in the eurozone. SEPA was established to simplify and standardise euro-denominated electronic payments within this area, making cross-border transfers as easy as domestic ones. The SEPA zone includes 36 member states and covers most of Europe.
How can I make a SEPA transfer?
To make a SEPA transfer, follow these steps:
All done! Your money will reach the recipient’s account immediately.
How long does a SEPA transfer take?
CFPS provides instant SEPA transfers that are completed in about 20 seconds.
How can I send money to other CFPS customers?
You can send money to other CFPS users via SEPA or SWIFT transfers. To make a SEPA or SWIFT transfer, tap “Send funds” on the Home screen, choose the right option (Within Europe / Internationally), and follow the instructions. All transfers between CFPS users are free of charge.
Which European countries are not in SEPA?
SEPA is not used in the following European countries:
You can send money to the above countries via a SWIFT transfer.
How much does a SEPA transfer cost?
We take a small €0.50 fee for outgoing SEPA transfers, while all incoming transfers are free.
How can I top up my CFPS account?
To add money to your CFPS account, simply copy your account details and use them to make a SEPA or SWIFT transfer from your other bank account.
You can also top up your account by transferring money from your PayPal account, by requesting a payment from your friends within or outside the CFPS community, or by getting your salary paid into your account.
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