Fees for transfers in euro (EUR)

Paysera is a part of the Single Euro Payments Area (SEPA) and a member of SEPA Instant, which enables us to execute instant transfers.
Please note that time on Paysera website is indicated according to the UTC+3 time zone.

There are several methods to transfer money in euro, which differ by price and crediting time.

Euro transfers (SEPA and SEPA Instant)

Instant euro transfers (SEPA Instant) are executed only to EEA countries and only provided the recipient's bank is a member of the SEPA Instant system. Transfers are accepted for execution 24/7/365 and credited to the recipient's account within 1 minute.

Standard (non-urgent) transfers in euro (SEPA) to EEA countries are made through the SEPA system using an IBAN account. Transfers are accepted for execution I - V, 8AM - 8PM and take up to 1 working day to be credited to the recipient's account. A transfer submitted for execution before 3:45 PM reaches the recipient the same working day.

Transfers may cost more if the recipient's bank is not connected to the SEPA system.

Sender country Fee
SEPAcountries, Albania, and Kosovo 0,00 EUR for private clients
3,00 EUR for private clients in Kosovo
0,25 EUR for business in SEPA countries
3,00 EUR for business in Kosovo and 1 EUR for business in Albania
0,00 EUR for the first 50 transfers a month, and 0,25 EUR for each following transfer, for SEPA countries that are not Eurozone member states
Other countries for private clients 0,00 EUR for the first 5 transfers a month, and 0,50 EUR for each following transfer
1,00EUR for business
NB! Transfers exceeding 100 000 euro (EUR) are carried out as non-urgent. More information about non-urgent transfers can be found here.

Time of money transfers

Submitted for execution * Approximate time of crediting to the client's account
6:45 AM – 8:50 AM 11:10 AM
8:50 AM – 9:30 AM 11:10 AM
9:30 AM – 12:00 PM 1:40 PM
12:00 PM – 2:30 PM 4:10 PM
2:30 PM – 4:30 PM 5:40 PM
4:30 PM – 4:45 PM 5:40 PM
4:45 PM – 6:45 AM on the following business day at 9:00 AM

EXCEPTION: when transferring money on business days to Lithuanian banks Citadelė, Medicinos bankas, Šiaulių bankas, Lithuanian Credit Union, Vilnius credit union, CSDL Registrar of personal accounts, Lietuvos paštas, Perlas services, European Merchant Bank, General Financing, United Central Credit Union, LTL Credit Union, AB Mano Bankas, UAB PayRay, "Rato" Credit Union, Credit Union "Saulėgrąža", and Credit Union "Taupa" transfers are performed as follows:

Submitted for execution * Approximate time of crediting to the client's account
8:00 AM – 6:00 PM up to 15 minutes
6:00 PM – 8:00 AM 8:15 AM

International euro transfers outside EU and EEA

International transfers in euro are euro transfers to banks which are not connected to the SEPA system, including banks outside the EEA.

If your international transfer in euro is rejected, most probably the recipient bank is not included in the list of TARGET2 participants. Please contact the client service center indicating your transfer information, and we will try to execute your transfer.

Country Recipient bank Fee Accepted for execution Reaches the recipient bank
All countries TARGET2 participant up to 9,999.99 EUR – 7,00 EUR from 10,000 EUR – 10,00 EUR (only SHA)**
Incoming payments to your account performed via the TARGET2 system are charged a fee starting at 3,00 EUR.
I-V 8 AM - 5:50 PM up to 3 BD

*Note! Payment processing can take up to 5 minutes.

** Correspondent banks may apply additional fees from the transferred amount.

Euro (EUR) transfers in Kosovo

Fee for private clients Fee for business clients Accepted for execution Reaches the recipient bank
up to 9999.99 EUR – 1,00 EUR
more than 10,000 EUR – 3,00 EUR
up to 9999.99 EUR –1,00 EUR
more than 10,000 EUR – 5,00 EUR
I-V 8 AM - 5 PM (Kosovo time) up to 2 BD

Euro transfers in Albania

Recipient country Recipient bank Fee Accepted for execution Reaches the recipient bank
Albania Intesa SanPaolo Bank Albania Free I-VII 8 AM - 8 PM GMT +2 up to 2 BD
Albania Tirana Bank (Bank internal transfers only) Free I-VII 8:15 AM - 3 PM GMT +2 up to 2 BD
Albania Credins Bank (Bank internal transfers only) 0.1% of the value – from 3,00 to 25,00 EUR I-VII 8:30 AM - 4 PM GMT +2 up to 2 BD
Albania Other banks 0.1% of the value – from 3,00 to 25,00 EUR I-VII 8 AM - 8 PM GMT +2 up to 2 BD
Currently the max limit for an OUTGOING transfer is 50,000 EUR.

Euro (EUR) transfers for business clients

Most Paysera services are provided to clients at cost price. Transfers performed by international companies and payment service providers require additional human resources, which is why the price is also higher.

Service SEPA countries Kosovo companies Albanian companies Non-SEPA countries International companies* Payment service providers
SEPA transfer 0,25 EUR 3,00 EUR 1,00 EUR 1,00 EUR 5,00 EUR 1,00 EUR
Transfer to a bank in Kosovo 7,00 EUR All banks
up to 9,999.99 EUR – 1,00 EUR
more than 10,000 EUR – 5,00 EUR
10,00 EUR 10,00 EUR 35,00 EUR 35,00 EUR
International transfer (SWIFT) up to 9,999.99 EUR – 7.00 EUR from 10,000 EUR – 10.00 EUR up to 9,999.99 EUR – 7.00 EUR from 10,000 EUR – 10.00 EUR up to 9,999.99 EUR – 7.00 EUR from 10,000 EUR – 10.00 EUR 10,00 EUR 35,00 EUR 35,00 EUR
Crediting of SEPA transfers Free
Incoming payments to your account performed via the TARGET2 system: up to 9,999.99 EUR – 3.00 EUR from 10,000 EUR – 4.00 EUR More information...
3,00 EUR
Incoming payments to your account performed via the TARGET2 system: up to 9,999.99 EUR – 3.00 EUR from 10,000 EUR – 4.00 EUR More information...
1.00 EUR
Incoming payments to your account performed via the TARGET2 system: up to 9,999.99 EUR – 3.00 EUR from 10,000 EUR – 4.00 EUR More information...
0.50 EUR 0,50 EUR 0,50 EUR
Crediting of international transfers up to 9,999.99 EUR – 3.00 EUR from 10,000 EUR – 4.00 EUR up to 9,999.99 EUR – 3.00 EUR from 10,000 EUR – 4.00 EUR up to 9,999.99 EUR – 3.00 EUR from 10,000 EUR – 4.00 EUR up to 9,999.99 EUR – 3.00 EUR from 10,000 EUR – 4.00 EUR 4,00 EUR 4,00 EUR

* International company is a company, which:

  • carries out an actual economic activity in an international environment or on the territory of several countries, although does not conduct such activity in the country of registration, or the activity is limited under the incorporation documents, or by the jurisdiction of that country and (or)
  • the client is subject to significant tax relief, and (or)
  • legal acts do not require such entities to prepare and submit financial statements, including annual financial reports, to supervisory institutions.

** NLB Banka Prishtina, Turk Ekonomi Bankasi, ProCredit Bank, Banka Ekonomike, Raiffeisen Bank Kosovo, Banka Kombetare Tregtare, Ziraat Bankasi.

When performing a transfer from the e-system, the issuer of e-money (Paysera) redeems e-money for their nominal value, i.e. exchanges electronic money in the system for standard money in a ratio 1:1. Thus, fees for transfers given in the table are in fact fees for redemption of e-money.

Note

  • Note! Transfers to Russia are not executed. More information >
  • Note! Transfers to Belarus are not executed. More information >
  • Transfers to a foreign bank may take longer if the transfer is made outside of working hours of the correspondent bank. In such a case the transfer will be made on the nearest working day of the correspondent bank.
  • The bank of the recipient may apply a fee for crediting of funds when the transfer is made from the EU. We recommend to learn which bank fees may be applied.
  • The bank of the recipient may refuse to accept a transfer from a third party due to inner regulations/rules. Paysera does not compensate any commission fees deducted from the refunded amount by the bank of the recipient.
  • Additional fees are applied for specification of a transfer.

Additional fees for transfers can be applied.