INSTANT SEPA TRANSFERS

Send and receive transfers instantly, from your Tide app

With SEPA Instant Transfers, move funds 24/7 across the SEPA zone, directly from your Tide business account.

Instant processing and receipt within seconds

Available at all times, including weekends and public holidays

€0.20 per transfer, incoming or outgoing

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Over 1.5 million entrepreneurs already trust us. Ready to join them?

The smart business management platform built for professionals. Now available in France.

What is a SEPA transfer, and how does it work?

The SEPA (Single Euro Payments Area) enables fast and secure euro transfers between accounts located within the eurozone.

To send or receive a SEPA transfer, simply use your account details (IBAN and BIC), available in the Tide app.

Standard SEPA transfers are typically processed within one to two business days. For immediate execution, choose SEPA Instant Transfers.

Which countries are part of the SEPA zone?

SEPA includes a total of 36 countries, covering all EU member states as well as several non-EU countries.

Learn more about the SEPA zone

With Tide, you can send and receive SEPA transfers across all SEPA countries using the euro.

3 reasons to switch to instant transfers

Speed

Transfers go through in just a few seconds.

High transfer limits

On transactions from your Tide business account.

Always available

Instant transfers even on weekends and bank holidays.

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How instant SEPA transfers work with Tide

SEPA Instant Credit Transfers are available between accounts based in eurozone countries.

Open a free business account Download the Tide App and sign up online.

Access your SEPA account details In the app, open your current account, select “EUR SEPA”, then tap “Get account details”.

Share your account details Tap “Share” or copy the information you need.

Instant SEPA transfers can’t be cancelled once sent.

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An online business account built with and for entrepreneurs

Explore Tide’s business account key features. Everything you need to run your business, with none of the hassle.

Free business account

Open a business account with no paid subscription.

Fast online setup

Open your business account, directly from the Tide app.

Free Mastercard

Get a free, contactless Mastercard for your business expenses.

Flexible payments

Pay via SEPA transfers or direct debits, Google Pay or Apple Pay.

Protected deposits

Your funds are protected up to €100,000 via our partner Adyen N.V., authorised by the Dutch central bank.

Customer support

Get help from our support team from the Tide app.

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Your financial security is our priority

Deposit protection

Your funds are protected up to €100,000 through Adyen N.V.

Secure online payments

3D Secure with two-factor authentication for added protection.

Data privacy

Fully GDPR-compliant: your data stays safe and secure.

How to open a business account with Tide?

Apply to open a business account in just a few minutes. No paperwork required.

Download the Tide app Available on iOS and Android, the app guides you step by step.

Tell us about your business Provide a few details and verify your identity securely.

Account approved, card on its way Once your account is verified, start paying with your mobile (Apple Pay, Google Pay or your virtual card), no need to wait for your physical card.

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Who is Tide for?

Tide offers a platform with financing options and business management solutions for self-employed professionals operating under the following legal statuses.

Auto-entrepreneurs

Ideal for micro-businesses, freelancers, consultants, and sole traders operating under an individual status.

Sole shareholder companies

For founders of an EURL or SASU running a registered company with separate legal personality.

New and established businesses

Whether you're just starting out or already running an established business, Tide adapts to your needs as you grow.

Save time. Cut costs. Get back to business.

Join over 1.5 million entrepreneurs who already trust us.

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