We support the following types of domestic and European payments:
GBP - Faster Payments (FPS)
UK domestic payment system
Maximum amount per payment: £1,000,000 GBP
Available 24/7
Funds usually reach the recipient within seconds
EUR - Instant Payment (SEPA Instant / RT1)
For euro payments where the beneficiary’s bank supports SEPA Instant
Maximum amount per payment: €100,000 EUR
Available 24/7
Funds reach the recipient within 30 seconds
EUR - Standard European Payment (SEPA Credit Transfer / STEP2)
For euro payments to SEPA countries
Settlements are made between banks five times per day on working days
Outgoing SEPA payment cut-off times (Estonian time):
07:30, 09:15, 11:45, 12:45, 14:45, 16:45
Payments made after 16:45 on working days, or during the weekend, are processed in the next settlement cycle
Weekend payments reach the recipient’s account on Monday between 08:00–09:00
Incoming SEPA payments are received during these time windows:
08:00–09:00, 09:30–10:30, 12:00–13:00, 13:00–14:00, 15:00–16:00, and 17:00–18:00
SWIFT Payments
We do not support incoming or outgoing SWIFT payments to and from accounts. However, GBP currency payments via SWIFT are supported through NatWest.
Cut-off time for GBP SWIFT payments is 16:00 Estonian time on working days.