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SEPA Instant on Bitpanda

Our rating
4.4
Offered in
21 countries
Type
SEPA (euro area)
Rail reviewed
2026-08-18
Review updated
2026-08-12

Yes. Bitpanda takes SEPA Instant in 21 of the 31 countries we rank it in, from Austria to Spain. Funds must be made available to the recipient within ten seconds of the payment order, at any hour including weekends and public holidays. By reach it is fifth of the 6 rails on our record for Bitpanda; SEPA transfer is offered in more countries.

What SEPA Instant is

SEPA instant is the real time version of the euro bank transfer, formally the SEPA Instant Credit Transfer scheme, launched by the European Payments Council in November 2017 and settled across Europe through instant payment infrastructure including the ECB's TIPS service. It works from an ordinary bank account with an IBAN and runs 24 hours a day, 365 days a year, so a weekend exchange deposit arrives straight away rather than on the next business day. Not every payment service provider offers it yet: the EU Instant Payments Regulation is phasing the obligation in, with euro area banks already required to send and receive and non euro area providers following in 2027.

Speed
Funds must be made available to the recipient within ten seconds of the payment order, at any hour including weekends and public holidays.
Cost of the rail
Under the EU Instant Payments Regulation a provider may not charge more for sending or receiving an instant credit transfer than it charges for an ordinary one.
Limits
Euro only, and any amount ceiling comes from your own payment service provider rather than from the scheme, so check your bank's instant transfer limit before a large deposit.

Every exchange that takes SEPA Instant

Where Bitpanda offers SEPA Instant

Each country opens the Bitpanda page for that market, with its rank there and every rail it takes. The number is Bitpanda's rank in that country's guide.

Europe (21)

What SEPA Instant costs on Bitpanda

SEPA transfers are free; card, Apple Pay, and Google Pay deposits carry processing fees.

Other ways to pay on Bitpanda

5 other rails at least one country we rank Bitpanda in uses, widest reach first.

Frequently asked questions

Does Bitpanda accept SEPA Instant?

Yes, in 21 of the 31 countries we rank it in, from Austria to Spain. By reach it is fifth of the 6 rails on our record for Bitpanda; SEPA transfer is offered in more countries. Support is decided market by market, so the country pages linked here are the exact list.

In which countries can I use SEPA Instant on Bitpanda?

Austria, Belgium, Bulgaria, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland and Italy and 9 more, from our country guides reviewed between 2026-08-12 and 2026-08-20.

How long does a SEPA Instant deposit take on Bitpanda?

Funds must be made available to the recipient within ten seconds of the payment order, at any hour including weekends and public holidays. That describes the rail itself; Bitpanda may hold a first deposit for longer while it verifies your account.

What does SEPA Instant cost on Bitpanda?

Under the EU Instant Payments Regulation a provider may not charge more for sending or receiving an instant credit transfer than it charges for an ordinary one. On Bitpanda's side: SEPA transfers are free; card, Apple Pay, and Google Pay deposits carry processing fees.

Are there limits on SEPA Instant deposits?

Euro only, and any amount ceiling comes from your own payment service provider rather than from the scheme, so check your bank's instant transfer limit before a large deposit. Any limit Bitpanda applies on top is set per account tier and shown inside the platform.

Sources