What is a SWIFT and SEPA transfer, and how long do they take?


SWIFT and SEPA transfers are two methods of transferring money between financial institutions, especially for international transactions.

  • SWIFT Transfer - This is an international system for exchanging financial messages between financial institutions all over the world. It allows us to send money to any supported country. A SWIFT transfer usually takes between 1 and 3 business days, although in exceptional circumstances this time may be extended.

  • SEPA Transfer - This is a system that enables payments in euros within the European Union, Switzerland, United Kingdom, San Marino, Vatican City, Andorra, Monaco, Iceland, Norway, and Liechtenstein. SEPA transfers typically take between 1 and 3 business days, but sometimes processing time may be extended. ZEN does not currently support SEPA Instant.


A business day is every day from Monday to Friday, excluding holidays. Weekends and holidays are not counted as business days.

See also: My SEPA/SWIFT transfer didn't arrive to ZEN

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