Fees for transfers in euro (EUR)

Paysera is part of the Single Euro Payments Area (SEPA) and a member of SEPA Instant, which enables us to execute instant transfers.
Please note that time on the Paysera website is indicated according to the UTC+3 time zone.

There are several methods to transfer money in euro, which differ by price and crediting time.

Euro transfers (SEPA and SEPA Instant)

Instant euro transfers (SEPA Instant) are executed only to EEA countries and only provided the recipient's bank is a member of the SEPA Instant system. Transfers are accepted for execution 24/7/365 and credited to the recipient's account within 1 minute.

Standard (non-urgent) transfers in euro (SEPA) to EEA countries are made through the SEPA system using an IBAN account. Transfers are accepted for execution I–V, 8 AM – 8 PM, and take up to 1 working day to be credited to the recipient's account. A transfer submitted for execution before 4:45 PM reaches the recipient the same working day.

Transfers may cost more if the recipient's bank is not connected to the SEPA system.

Sender country Fee
SEPAcountries, Albania, and Kosovo 0,00 EUR for private clients (from 1 November, 30 transfers for free and 0.30 EUR for each following transfer)
3,00 EUR for private clients in Kosovo
0,00 EUR for the first 50 transfers a month, and 0,29 EUR for each following transfer for SEPA countries that are not Eurozone member states (and Albania from 1 November) (from 1 November, 30 transfers for free and 0.30 EUR for each following transfer)

0,29 EUR for businesses in SEPA countries (from 1 November, 0.30 EUR)
0,50 EUR for Bulgarian companies (from 1 November, 30 transfers for free and 0.30 EUR for each following transfer)
3,00 EUR for businesses in Kosovo and 1.00 EUR for businesses in Albania
0,50 EUR for Romanian companies (from 1 November, 30 transfers for free and 0.30 EUR for each following transfer)
Georgia 7,00 EUR for private and business clients
Other countries 0,29 EUR for private clients for the first 5 transfers a month, and 0,50 EUR for each following transfer (from 1 November, 30 transfers for free and 0.30 EUR for each following transfer)
1,00 EUR for businesses

NB! From 1 November, the monthly fee of 5.00 EUR will be applied for business clients (except for Bulgarian, Romanian, Kosovan, and Albanian companies).

NB! Transfers exceeding 100,000 EUR are carried out as non-urgent.
NB! The commission fee for all SEPA and SEPA Instant transfers will be reserved alongside the transfer amount and charged on the first day of the following month.

Time of money transfers

Submitted for execution * Approximate time of crediting to the client's account
6:45 AM – 8:50 AM 11:10 AM
8:50 AM – 9:30 AM 11:10 AM
9:30 AM – 12 PM 1:40 PM
12 PM – 2:30 PM 4:10 PM
2:30 PM – 4:30 PM 5:40 PM
4:30 PM – 4:45 PM 5:40 PM
4:45 PM – 6:45 AM On the following business day at 9 AM

EXCEPTION: when transferring money on business days to Lithuanian banks Citadelė, Medicinos bankas, Šiaulių bankas, Lithuanian Credit Union, Vilnius credit union, CSDL Registrar of personal accounts, Lietuvos paštas, Perlas services, European Merchant Bank, General Financing, United Central Credit Union, LTL Credit Union, AB Mano Bankas, UAB PayRay, "Rato" Credit Union, Credit Union "Saulėgrąža", and Credit Union "Taupa", transfers are performed as follows:

Submitted for execution * Approximate time of crediting to the client's account
8 AM – 6 PM Up to 15 minutes
6 PM – 8 AM 8:15 AM

International euro transfers outside the EU and EEA

International transfers in euro are euro transfers to banks which are not connected to the SEPA system, including banks outside the EEA.

If your international transfer in euro is rejected, most probably the recipient bank is not included in the list of TARGET2 participants.

Country Recipient bank Fee Accepted for execution Reaches the recipient bank
All countries TARGET2 participant Up to 9,999.99 EUR – 7,00 EUR From 10,000 EUR – 10,00 EUR (only SHA)**
Incoming payments to your account performed via the TARGET2 system are charged a fee starting at 3,00 EUR.
I–V, 8 AM – 5:50 PM Up to 3 BD
All countries Non TARGET2 participant 25 EUR (only OUR) I–V, 8 AM – 5 PM From 1 to 3 BD

* Payment processing can take up to 5 minutes.

** Correspondent banks may apply additional fees from the transferred amount.

Transfers in Ukraine

Sender type Recipient bank Sender country Recipient country Fee Currency Accepted for execution Reaches the recipient bank/location
Private clients PrivatBank for EUR transfers* Worldwide, except for prohibited countries Ukraine 1,5% from the transfer amount EUR 24/7/365 Up to 10 minutes

* For all other banks in Ukraine (make transfer to UAH IBAN).

Transfers in Kosovo

Fee for private clients Fee for business clients Accepted for execution Reaches the recipient bank
Up to 9999.99 EUR – 1,00 EUR
From 10,000 EUR – 3,00 EUR
Up to 9999.99 EUR – 1,00 EUR
From 10,000 EUR – 5,00 EUR
I–V, 8 AM – 5 PM UTC +2 Up to 2 BD

Euro transfers in Albania

Recipient country Recipient bank Fee Accepted for execution Reaches the recipient bank
Albania Intesa SanPaolo Bank Albania Free I–VII, 8 AM – 8 PM UTC +2 Up to 2 BD
Albania Tirana Bank (internal transfers only) Free I–VII, 8:15 AM – 3 PM UTC +2 Up to 2 BD
Albania Credins Bank (internal transfers only) 0.1% of the value – from 3,00 to 25,00 EUR I–VII, 8:30 AM – 4 PM UTC +2 Up to 2 BD
Albania Other banks 0.1% of the value – from 3,00 to 25,00 EUR I–VII, 8 AM – 8 PM UTC +2 Up to 2 BD
Currently, the max limit for an OUTGOING transfer is 50,000 EUR.

Transfers for business clients

Most Paysera services are provided to clients at cost price. Transfers performed by international companies and payment service providers require additional human resources, which is why the price is also higher.

Service SEPA countries Kosovo companies Albanian companies Non-SEPA countries International companies* Payment service providers
SEPA transfer 0,29 EUR
(from 1 November, 0.30 EUR)**
3,00 EUR 1,00 EUR 1,00 EUR 5,00 EUR 1,00 EUR
Transfer to a bank in Kosovo 7,00 EUR All banks
Up to 9,999.99 EUR – 1,00 EUR
From 10,000 EUR – 5,00 EUR
10,00 EUR 10,00 EUR 35,00 EUR 35,00 EUR
International transfer (SWIFT) Up to 9,999.99 EUR – 7.00 EUR From 10,000 EUR – 10.00 EUR Up to 9,999.99 EUR – 7.00 EUR From 10,000 EUR – 10.00 EUR Up to 9,999.99 EUR – 7.00 EUR From 10,000 EUR – 10.00 EUR 10,00 EUR 35,00 EUR 35,00 EUR
Crediting of SEPA transfers Free
Incoming payments to your account performed via the TARGET2 system are subject to a fee: Up to 9,999.99 EUR – 3.00 EUR From 10,000 EUR – 4.00 EUR
3,00 EUR
Incoming payments to your account performed via the TARGET2 system are subject to a fee: up to 9,999.99 EUR – 3.00 EUR; from 10,000 EUR – 4.00 EUR
1,00 EUR
Incoming payments to your account performed via the TARGET2 system are subject to a fee: up to 9,999.99 EUR – 3.00 EUR; from 10,000 EUR – 4.00 EUR
0.50 EUR 0,50 EUR 0,50 EUR
Crediting of international transfers Up to 9,999.99 EUR – 3.00 EUR From 10,000 EUR – 4.00 EUR Up to 9,999.99 EUR – 3.00 EUR From 10,000 EUR – 4.00 EUR Up to 9,999.99 EUR – 3.00 EUR From 10,000 EUR – 4.00 EUR Up to 9,999.99 EUR – 3.00 EUR From 10,000 EUR – 4.00 EUR 4,00 EUR 4,00 EUR

* International company is a company, which:

  • carries out an actual economic activity in an international environment or on the territory of several countries, although does not conduct such activity in the country of registration, or the activity is limited under the incorporation documents, or by the jurisdiction of that country and (or)
  • the client is subject to significant tax relief, and (or)
  • legal acts do not require such entities to prepare and submit financial statements, including annual financial reports, to supervisory institutions.

** From 1 November, 30 free transfers for business clients in SEPA countries, Romania and Bulgaria.

*** NLB Banka Prishtina, Turk Ekonomi Bankasi, ProCredit Bank, Banka Ekonomike, Raiffeisen Bank Kosovo, Banka Kombetare Tregtare, Ziraat Bankasi.

When performing a transfer from the e-system, the issuer of e-money (Paysera) redeems e-money for its nominal value, i.e. exchanges electronic money in the system for standard money in a ratio of 1:1. Thus, fees for transfers given in the table are in fact fees for redemption of e-money.

Note

  • Transfers to Russia and Belarus are not executed.
  • Transfers to a foreign bank may take longer if the transfer is made outside of working hours of the correspondent bank. In such a case, the transfer will be made on the nearest working day of the correspondent bank.
  • The bank of the recipient may apply a fee for crediting of funds when the transfer is made from the EU. We recommend learning which bank fees may be applied.
  • The bank of the recipient may refuse to accept a transfer from a third party due to inner regulations/rules. Paysera does not compensate any commission fees deducted from the refunded amount by the bank of the recipient.
  • Additional fees are applied for specification of a transfer.

Additional fees for transfers can be applied.