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 euro 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) euro transfers (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's nationality | Fee |
|---|---|
| SEPA countries, Albania, and Kosovo | 30 transfers for free and 0.30 EUR for each following transfer for private clients in SEPA countries and Albania 3 EUR for private clients in Kosovo 30 transfers for free and 0.30 EUR for each following transfer for business clients in SEPA countries 3 EUR for business clients in Kosovo 1 EUR for business clients in Albania |
| Georgia | 7,00 EUR for private and business clients |
| Other countries | 30 transfers for free and 0.30 EUR for each following transfer for private clients 1,00 EUR for business clients |
Note! The monthly fee of 5 EUR is applied for business clients (except for Bulgaria, Romania, Kosovo, and Albania).
Note! Transfers exceeding 100,000 EUR are carried out as non-urgent.Time of money transfers
| Submitted for execution* | Approximate time of crediting to the client's account |
|---|---|
| 6:45 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 – 4:45 PM | 5:40 PM |
| 4:45 PM – 6:45 AM | On the following business day at 9 AM |
Note! When transferring money on business days to Lithuanian banks Citadele, Medicinos bankas, Šiaulių bankas, Lithuanian Credit Union, Vilnius credit union, CSDL Registrar of personal accounts, European Merchant Bank, General Financing, United Central Credit Union, LTL Credit Union, AB Mano Bankas, UAB PayRay, RATO Credit Union, "Saulėgrąža" Credit Union, "Taupa" Credit Union, Lietuvos paštas, and Perlas, 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 | SHA – 15.00 EUR OUR – 25.00 EUR |
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.
*** Except for payment service providers and senders in these countries and territories: Afghanistan, Algeria, American Samoa, Belarus, Belize, Bosnia and Herzegovina, Botswana, Burundi, Cambodia, Central African Republic, Chad, Comoros, Cuba, Dominican Republic, DR Congo, Ecuador, Egypt, Eritrea, Ethiopia, Equatorial Guinea, Ghana, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Iran, Iraq, Côte d'Ivoire, Kazakhstan, Kenya, Laos, Lebanon, Liberia, Libya, Mali, Moldova, Myanmar, Niger, Nigeria, North Korea, Palestine, Panama, Russia, Rwanda, Samoa, Saudi Arabia, Serbia, Somalia, South Korea, South Sudan, Sudan, Syria, Trinidad and Tobago, Tunisia, Turkey, Uganda, Ukraine, Vanuatu, Venezuela, U.S. Virgin Islands, Western Sahara, Yemen, Zimbabwe.
Euro transfers in Ukraine
| Sender type | Recipient bank | Sender's nationality | 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 transferred amount | EUR | 24/7/365 | Up to 10 minutes |
* For all other banks in Ukraine (make transfer to UAH IBAN).
Euro transfers in Kosovo
| Fee for private clients | Fee for business clients | Accepted for execution | Reaches the recipient bank |
|---|---|---|---|
| Up to 9,999.99 EUR – 1,00 EUR From 10,000 EUR – 3,00 EUR |
Up to 9,999.99 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
| 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 |
Euro 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 | 0,30** 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.
** 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.
| Average amount of funds held in the account per month (EUR or the equivalent of the amount in local currency) | Number of free SEPA and SEPA Instant transfers per month |
|---|---|
| 0–10,000 | 10 |
| 10,001–25,000 | 50 |
| 25,001–50,000 | 100 |
| 50,001–75,000 | 200 |
| 75,001–100,000 | 300 |
| > 100,000 | 500 |
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.
Notes:
- 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.