Fees for transfers in euro (EUR)
Paysera is a 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 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.
Standard (non-urgent) transfers
Standard (non-urgent) transfers in euro to the EEA countries are performed via the SEPA system using an IBAN account.
Transfers may cost more, if the beneficiary's bank is not a participant of the SEPA area.| Country | Recipient bank | Fee | Accepted for execution | Reaches the recipient bank |
|---|---|---|---|---|
| All countries | Paysera | 0,00 EUR | 24/7 | immediately |
| EEA countries | All banks | 0,00 EUR for private clients 0,20 EUR for business |
I - V, 8 a.m. - 8 p.m. | up to 1 working day If a transfer is submitted for execution by 3:45 p.m., it reaches the recipient the same day |
Time of money transfers
| Submitted for execution * | Approximate time of crediting to the client's account |
|---|---|
| 9:30 AM – 12 PM | 1:40 PM |
| 12:00 PM – 2:30 PM | 4:10 PM |
| 2:30 PM – 4:30 PM | 5:40 PM |
| 4:30 PM – 8:45 PM | on the following business day at 9:00 AM |
| 8:45 PM – 9:30 AM | 11:10 AM |
EXCEPTION: when transferring money on business days to Lithuanian banks Citadelė, Medicinos bankas, Šiaulių bankas, Lithuanian Credit Union, Vilnius credit, CSDL Registrar of personal accounts, Lithuanian post and Perlas services, transfers are performed as follows:
| Submitted for execution * | Approximate time of crediting to the client's account |
|---|---|
| 8:00 AM – 6:00 PM. | up to 15 min. |
| 6:00 PM – 8:45 PM | 9:15 PM |
| 8:45 PM – 8:00 AM | 8:15 AM |
Instant transfers (SEPA Instant)
Instant transfers (SEPA Instant) are executed only to EEA countries and only provided the recipient's bank is a member of the SEPA Instant system.
| Country | Recipient bank | Fee | Accepted for execution | Reaches the recipient's bank |
|---|---|---|---|---|
| EEA countries | Member of SEPA Instant | 0,00 EUR for private clients 0,20 EUR for business clients |
24/7/365 | up to 1 minute |
International transfers in Euro
International transfers in euro are euro transfers to banks which are not connected to the SEPA system, including banks outside the EEA.
| Country | Recipient bank | Fee | Accepted for execution | Reaches the recipient bank |
|---|---|---|---|---|
| All countries | TARGET2 participant | 7,00 EUR (only SHA)** Incoming payments to your account performed via the TARGET2 system are applied with the 3,00 EUR fee. More information... |
I-V 8 AM - 5:50 PM | up to 2 BD |
*Note! Payment processing can take up to 5 minutes.
** Correspondent banks may apply additional fees from the transferred amount.
Euro (EUR) transfers in Kosovo
| Recipient bank | Fee for private clients | Fee for business clients | Accepted for execution | Reaches the recipient bank |
|---|---|---|---|---|
| BPB (Banka per Biznes) | Free | Free | I-V 8 AM - 5 PM (Kosovo time) | up to 2 BD |
| Banka Prishtina, Turk Ekonomi Bankasi, ProCredit Bank, Banka Ekonomike, Raiffeisen Bank Kosovo, Banka Kombetare Tregtare, Ziraat Bankasi | up to 10,000 EUR – 2,00 EUR more than 10,000 EUR – 3,50 EUR |
up to 10,000 EUR – 2,50 EUR more than 10,000 EUR – 5,00 EUR |
I-V 8 AM - 5 PM (Kosovo time) | up to 2 BD |
Euro (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 | Non-SEPA countries | International companies* | Payment service providers |
|---|---|---|---|---|---|
| SEPA transfer | 0,20 EUR | 1,00 EUR | + 0,35 EUR to the general price | + 5,00 EUR to the general price | + 0,50 EUR to the general price |
| Transfer to a bank in Kosovo | 0,20 EUR | BPB (Banka per Biznes): Free Other banks**: up to 10,000 EUR – 2,50 EUR more than 10,000 EUR – 5,00 EUR |
0,35 EUR | + 30,00 EUR to the general price for an international transfer | + 5,00 EUR to the general price for an international transfer |
| International transfer (SWIFT) | 7,00 EUR | 7,00 EUR | 7,00 EUR | + 30,00 EUR to the general price | + 5,00 EUR to the general price |
| Crediting of SEPA transfers | Free Incoming payments to your account performed via the TARGET2 system are applied with the 3,00 EUR fee. More information... |
Free Incoming payments to your account performed via the TARGET2 system are applied with the 3,00 EUR fee. More information... |
+ 0,10 EUR to the general price | + 0,50 EUR to the general price | + 0,35 EUR to the general price |
| Crediting of international transfers | 3,00 EUR | 3,00 EUR | +0,10 EUR to the general price | + 0,50 EUR to the general price | + 0,35 EUR to the general price |
* 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.
** 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 their nominal value, i.e. exchanges electronic money in the system for standard money in a ratio 1:1. Thus, fees for transfers given in the table are in fact fees for redemption of e-money.
Note
- Note: Transfers to Belarus are performed only in EUR currency to banks with the following SWIFT codes: AEBKBY2XXXX, AKBBBY2XXXX, ALFABY2XXXX, BAPBBY2XXXX, BLBBBY2XXXX, BLNBBY2XXXX, BPSBBY2XXXX, MMBNBY22XXX, MTBKBY22XXX, NBRBBY2XXXX, PJCBBY2XXXX, REDJBY22XXX, SLANBY22XXX, SOMABY22XXX, UNBSBY2XXXX, ZEPTBY2XXXX. Such transfer costs 7 EUR.
- 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 to learn 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.