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.

• Instant euro transfers (SEPA Instant)
• Standard (non-urgent) euro transfers (SEPA)
• International euro transfers outside the EU and EEA
• Euro transfers for business clients
• Euro transfers in Kosovo

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 EUR for private and business clients
Other countries	30 transfers for free and 0.30 EUR for each following transfer for private clients 0.20 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.

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:

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 EUR from 10,000 EUR – 10 EUR (only SHA)** Incoming payments to your account performed via the TARGET2 system are charged a fee starting at 3 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

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).

Fee for private clients	Fee for business clients	Accepted for execution	Reaches the recipient bank
Up to 9,999.99 EUR – 1 EUR From 10,000 EUR – 3 EUR	Up to 9,999.99 EUR – 1 EUR From 10,000 EUR – 5 EUR	I–V, 8 AM – 5 PM UTC +2	Up to 2 BD

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 to 25 EUR	I–VII, 8:30 AM – 4 PM UTC +2	Up to 2 BD
Albania	Other banks	0.1% of the value – from 3 to 25 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.

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 EUR	1 EUR	1 EUR	5 EUR	1 EUR
Transfer to a bank in Kosovo	7 EUR	All banks Up to 9,999.99 EUR – 1 EUR From 10,000 EUR – 5 EUR	10 EUR	10 EUR	35 EUR	35 EUR
International transfer (SWIFT)	Up to 9,999.99 EUR – 7 EUR From 10,000 EUR – 10 EUR	Up to 9,999.99 EUR – 7 EUR From 10,000 EUR – 10 EUR	Up to 9,999.99 EUR – 7 EUR From 10,000 EUR – 10 EUR	10 EUR	35 EUR	35 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 EUR; from 10,000 EUR – 4 EUR	3 EUR Incoming payments to your account performed via the TARGET2 system are subject to a fee: up to 9,999.99 EUR – 3 EUR; from 10,000 EUR – 4 EUR	1 EUR Incoming payments to your account performed via the TARGET2 system are subject to a fee: up to 9,999.99 EUR – 3 EUR; from 10,000 EUR – 4 EUR	0.50 EUR	0.50 EUR	0.50 EUR
Crediting of international transfers	Up to 9,999.99 EUR – 3 EUR From 10,000 EUR – 4 EUR	Up to 9,999.99 EUR – 3 EUR From 10,000 EUR – 4 EUR	Up to 9,999.99 EUR – 3 EUR From 10,000 EUR – 4 EUR	Up to 9,999.99 EUR – 3 EUR From 10,000 EUR – 4 EUR	4 EUR	4 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.

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.

• 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.

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