SEPA credit transfers

Increase speed, save costs, and enjoy high limits when making SEPA transfers

Don't dip into your liquidity days in advance to meet your payments on time. Say goodbye to extra charges or low limits when making SEPA instant credit transfers. Price-wise, limit-wise and speed-wise, you'll always be better off making standard or instant SEPA credit transfers via Memo Bank.

Make your payments on time, without incurring extra costs

Fee-free SEPA instant credit transfers as the default position

Fee-free SEPA instant credit transfers as the default position

At Memo Bank, making SEPA instant payments is not a chargeable service, but rather the standard way to make payments, unlike traditional banks.

Fee-free SEPA instant credit transfers as the default position
SEPA instant payment of up to €100,000

SEPA instant payment of up to €100,000

You can make SEPA instant credit transfers of up to €100,000, which represents the highest limit set by the European Central Bank.

Faster than usal standard SEPA transfers

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.

Many ways to make a SEPA transfer

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 PSD2).

Many ways to make a SEPA transfer
Delegation rules to manage SEPA transfers

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.

Adding new recipients in a few seconds

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.

No variable fees when making SEPA transfers

No variable fees when making SEPA transfers

We want you to be able to anticipate your banking fees, together with being able to reduce them. For these reasons, our pricing is fixed. There are no variable fees based on the amount to be transfered, nor any transaction fees on your current account. Our billing is monthly and known in advance.

No variable fees when making SEPA transfers

Some interesting use cases

Automate your standard and instant SEPA transfers via API.

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.

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.


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No need to dip into your funds

When making SEPA instant credit transfer, your funds can leave the account just a few seconds before the paiement due date. You no longer need to dip into your cash reserves too early or incur charges when making SEPA instant payments.


Managing balances across mutliple accounts

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.

Hundreds of companies trust Memo Bank

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Environment

Icone employés 50-99 employees
Icone marqueur Paris (75)
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Software

Icone employés 20-49 employees
Icone marqueur Lyon (69)
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Computer equipment

Icone employés 20-49 employees
Icone marqueur Paris (75)

Discover how our clients accelerated their development with Memo Bank

Don't experience any delays or extra costs when making payments

Features
  • 1

    Up to €100K and fee-free SEPA instant credit transfer


  • 2

    Standard SEPA credit transfers processed faster than with other banks


  • 3

    Thousands of SEPA credit transfers processed at once


  • 4

    Configuration of validation and delegation rules


  • 5

    Make SEPA transfers via the Memo Bank platform, API or third-pary tools


  • 6

    Single and multiple recipients can be added


  • 7

    Scheduled, recurring, and one-offs transfers


  • 8

    Issuing proofs of SEPA transfers

Experience
speaks louder than words.

Ready to leave the dark side of banking behind?

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