SEPA Instant Payments

In real-time, from your screen

To use SEPA Instant Payments and transfer or receive money in a few seconds, you need to have Digital Banking codes, and your required details must be confirmed and updated at our bank.

Transfer up to €100,000 easily, quickly, and safely.

Convenience

You can easily transfer or receive money through Digital Banking, wherever you are. Alternatively, you can visit any of our branches.

Within the EU

With SEPA Instant Payments, you can transfer or receive money in euros, in real-time, to and from all countries in the European Payments Area with the same pricing.

Outside the EU

You can also transfer or receive money from non-EU countries included in SEPA at the applicable pricing.

Use the service from wherever it suits you

Online

If you are a Digital Banking user, you can transfer instantly and securely the amount of money you wish wherever you are.

Available 24/7

Wherever you are

Quickly & easily

Connect

Over the phone

If you are a Phone Banking user, you can transfer instantly and securely the amount of money you wish with one phone call.

On +30 210 48 48 484

Everyday 08.00-22.00

Security & Great service

Contact

At an NBG branch

You can visit any of our branches and transfer the money you want at the cashier's desk.

More than 370 branches

Throughout Greece

Specialized personnel

Locate branch

More digital capabilities for you

Download the NBG Mobile Banking app

The NBG Mobile app gives you a host of benefits, from bill payments and shopping to transactions and managing your housing loan. Download the app to your iPhone or Android and simplify your transactions.

Do you want more information?

What is SEPA?

SEPA (Single Euro Payments Area) has created a single, competitive and innovative payments market where payments in euros can be made entirely electronically, quickly, securely, and efficiently, based on a common and uniform regulatory framework of standards, rules, and payment practices.
Regulation 260/2012 of the European Parliament and of the Council of 14 March 2012 (hereinafter "the Regulation") established technical requirements and uniform business rules for sending and receiving - on behalf of consumers, businesses, and economic operators - domestic and cross-border payments in euro by Greek and foreign banks within the European Payments Area.
From January 2021, SEPA will cover 36 countries: the 27 countries of the European Union, plus Norway, Liechtenstein, Iceland, Liechtenstein, Iceland, Switzerland, Monaco, Monaco, the United Kingdom, San Marino, Andorra, and the Vatican.

How SEPA works

For credit transfer and direct debit transactions (individual or bulk), the Regulation, as amended and in force, provides, among other things:

the mandatory use of the Interstore Bank Account Number (IBAN)
the mandatory use of the "ISO 20022 XML" standard for the development of electronic financial messages, as defined by ISO (International Organization for Standardization) in XML syntax.

Which transactions are serviced via SEPA Instant Payments?

The service is available for Incoming / outgoing transfers (including commercial remittances Instant Imports) via Digital Banking and through a branch up to €100,000 per transaction.

What information is required in SEPA Instant Payments :

You must keep the following information confirmed and/or updated:

for Natural Persons
- Registered and confirmed identity card (ID card) or other valid legal documents (e.g., passport)
- Confirmed VAT number/ foreign VAT number/ proof of country of taxation
- Confirmed home address and registered contact telephone number
- Updated Financial / Transactional profile based on your recent tax statement.
for Legal Persons
- Name/legal form
- Certificate of legalization in force or (for incoming remittances) a request for its renewal submitted through the Legal Technical Controls and Legalisation Management System (LTSM)
- Confirmed VAT number/ foreign VAT number/ proof of country of taxation
- Confirmed company headquarters address and registered contact telephone number
- Declaration of Beneficial Owner (if required)
- Updated Financial / Transactional profile based on your recent tax statement.