SEPA transfer time calculator

Pick the day you send a SEPA transfer and see when it should arrive, allowing for weekends and bank holidays.

How it is calculated

For a standard SEPA credit transfer, banks must deliver the money by the end of the next business day after they receive your order. Business days exclude weekends and TARGET2 closing days: 1 January, Good Friday, Easter Monday, 1 May, 25 and 26 December. An order on a closing day or after cut-off counts as received the next business day.

More in our guide: how long does a SEPA transfer take?