SEPA credit transfers

SEPA transfers without delays and without limits

All your outgoing transfers are sent instantly by default. The maximum amount per transfer can reach €100,000 or higher, depending on your needs.

Pay and get paid in real time

Make a payment in less than 10 seconds

We provide instant payments by default. Individual transfers can reach €100,000 or higher, tailored to your requirements

Faster than usal standard SEPA transfers

Our standard transfers are the fastest in the market. The funds will be credited to the recipient's account on the next working day at the latest. If you submit the payment instruction before 3.30PM, the funds will be deposited into the recipient's account on the same day.

Delegation rules to manage SEPA transfers

Create validation rules for your transfers. Do you want to let your team members issue SEPA transfers up to a certain threshold that you can set in advance? It's possible. Do you want to approve SEPA transfers exceeding a certain threshold? That's also possible.

Many ways to make a SEPA transfer

Schedule your instant and standard SEPA transfers (single or grouped) either directly from your Memo Bank account, or with our banking API, or via third-party tools (EBICS, API DSP2).

Adding new recipients in a few seconds

No need to wait ages to make a transfer to a new recipient: adding new recipients and transfering funds to them takes just a matter of seconds.

Check suspicious IBANs

To stop wire transfer fraud, we verify beneficiary identity and check IBAN validity and history.

Some interesting use cases

Automate your standard and instant SEPA transfers via API

Costly errors, time-consuming file manipulation, difficulties in reconciling payments are certainly part of your daily life when managing your transfers. These challenges are addressed through our banking API. The entire outgoing payment flow is automated: scheduling outgoing SEPA transfers, receiving real-time notifications, as well as importing and adding supporting documents to your transactions.

Simplify the payment reconciliation with virtual IBANs

The reconciliation of your transfers become easier and faster with virtual IBANs. These virtual IBANs are not physical accounts, but are directly linked to your current account(s). By assigning different virtual IBANs to your clients and making your outgoing transfers from these IBANs, you can easily identify the origin and the destination of each transfer.

Managing balances across mutliple accounts

If you have multiple current accounts with us, our banking API will help you distribute your balances across your accounts according to targets that you can set.