Euro SEPA Transfers and Rates

Currency Index offers two types of payment to the Eurozone, depending on the country you wish to send funds to and how quickly you need funds to arrive. The most commonly used payment, to minimise charges, is called a SEPA, or for the quickest transfers you can ask for a Swift transfer (TT) instead.

In both cases, our Euro exchange rates are designed to save you up to 4% compared to using your high street bank - but to help you avoid excessive bank charges too, a summary of the two payment types follows.

SEPA Credit Transfers

For most Eurozone payments, we recommend asking for a SEPA transfer when we transmit funds for you. Although this type of payment takes 1 working day, it is cheaper (we charge £7 per payment or free if you buy over £30,000-worth of Euros) and guarantees that the receiving bank in Europe will not charge you anything to receive your money.

In some countries (particularly Spain), receiving charges can be punitive, with the foreign bank deducting a commission of up to 0.5% of your payment value, just for crediting your account! Using SEPA payments gets round this problem, as banks are not allowed to charge for incoming payments. The system only works for transfers up to €50,000, but if you buy more than this amount, we can split your payment into smaller tranches at no extra cost to you.

Swift Transfers

The other type of payment we offer is a Swift transfer or telegraphic transfer. This is a same-day transfer within Europe, and will mean the recipient bank receives your payment the same day we send it (although they will sometimes take a day or so to credit your local branch). Swift transfers cost £12 or are free if you buy over £30,000-worth of Euros. While many European countries do not levy receiving charges, with a Swift transfer we cannot guarantee that this will not happen; although your Currency Index account manager will be able to give you an idea of likely charges based on our experience.

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Currency Compare
GBP Rate | 26 May 2017
Currency Pairs
EUR 1.15561
CAD 1.74085
AUD 1.73122
ZAR 16.74989
CHF 1.26210
INR 84.06138
USD 1.29779
AED 4.76715
NZD 1.84217
THB 44.53985
JPY 144.74759
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