SEPA transfers send euros to any IBAN in the SEPA area.
How to send
- Log in at https://app.moneybeat.eu.
- Open Wallet in the sidebar.
- Make sure the Send tab is selected.
- Choose SEPA (to any IBAN in the SEPA area).
- Enter the Beneficiary name. Start typing to search previous recipients.
- Enter the recipient IBAN.
- Enter the Amount (EUR) and an optional Description.
- Turn on SEPA Instant if you want a same-day payment (when available).
- Tap Preview transfer.
- Check the summary (beneficiary, amount, fee, and total).
- Tap Confirm send.
- Enter the one-time code (OTP) sent to your phone to authorise the payment.
Timing
- Standard SEPA: usually 1 to 2 business days.
- SEPA Instant: same day when supported.
Before you send
- Your account must be fully verified.
- Check the IBAN carefully. Wrong details can delay or return the payment.
- Make sure your balance covers the amount plus the fee shown on the preview screen.