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.
SEPA Standard transfer limits for Individual clients
- Outgoing SEPA Standard transfers: up to 45 000 EUR per day / 113 000 EUR per week
- Incoming SEPA Standard transfers: up to 90 000 EUR per day / 225 000 EUR per week
SEPA Standard transfer limits for Business clients
Business accounts less than 30 days old
- Outgoing SEPA Standard transfers: up to 75 000 EUR per day
- Incoming SEPA Standard transfers: up to 75 000 EUR per day
Business accounts more than 30 days old do not have incoming or outgoing SEPA Standard transfer limits.
Sole trader accounts less than 180 days old
- Outgoing SEPA Standard transfers: up to 45 000 EUR per day / 113 000 EUR per week
- Incoming SEPA Standard transfers: up to 90 000 EUR per day / 225 000 EUR per week
Sole trader accounts more than 180 days old do not have incoming or outgoing SEPA Standard transfer limits.
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 transfer 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 can start a larger transfer in the same way as a smaller one.