SEPA transfers in EUR have set limits. Knowing them in advance helps you plan larger payments and avoid delays.
These limits apply to all accounts and can’t be changed. They help keep your transfers fast and secure.
SEPA Standard transfer limits
- There are no limits on incoming or outgoing standard SEPA transfers.
SEPA Instant transfer limits for Individual clients
- Outgoing SEPA Instant transfers: up to 30 000 EUR per day / 75 000 EUR per week
- Incoming SEPA Instant transfers: up to 60 000 EUR per day / 150 000 EUR per week
SEPA Instant transfer limits for Business clients
- Outgoing SEPA Instant transfers: up to 250 000 EUR per day
- Incoming SEPA Instant transfers: up to 1 000 000 EUR per day
Good to know
You can check your available SEPA Instant limits directly in the ZEN.COM app while sending a transfer.
Additional transaction limits may apply and can affect how much you can send or receive. To check all limits that may apply to your account and transactions, see: What are my transaction limits in ZEN.COM?
If you’re sending a higher amount, for example a car payment or a business invoice, we may carry out additional checks. This can take a little longer and helps protect your money.
You don’t need to do anything differently. Large transfers work the same way as smaller ones.