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 practically any 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 and a few other countries. SEPA transfers typically take between 1 and 2 business days, but sometimes can extend to 3 days. ZEN does not currently support SEPA Instant.
Remember, a business day is every day from Monday to Friday, excluding holidays. Weekends and holidays are not counted as business days.