Standard processing times for transfers in the Single Euro Payments Area (SEPA) vary depending on the transfer type and its country of origin. If your transfer shows the status Pending, it may still be in progress — or it could be under review before being credited to your account.
💳 Typical processing times by transfer type: • Regular SEPA Credit Transfer (SCT) 1 to 5 business days (2 days at the sending bank + 2 days through the SEPA network + any additional review) • Instant SEPA Credit Transfer (SCT Inst) a few seconds, available 24/7 • International Credit Transfer variable, depending on currency conversion and local regulations |
Several factors can extend how long a transfer takes:
Transfer under review: The transfer may be going through a compliance check before it's credited to your account.
Incorrect details: An error in the IBAN, name, or amount can block processing.
Closing days: The SEPA network is unavailable on certain bank holidays (TARGET closing days). Transfers sent on those days are processed on the next business day.
International transfers: Currency conversion and regulatory requirements may add extra time.
Work through these steps in order:
Confirm the transfer details.
→ Make sure the sender used your correct and complete IBAN and full name.
Request a proof of transfer.
→ Ask the sending bank for documentation confirming the transaction was initiated.
Initiate a claim of non-receipt.
→ Ask the sending bank to open an investigation to locate and transfer the funds.
Feel free to contact our support team. We'll be happy to help.
Author - Valesca Wilms
As content marketing lead at Accountable Belgium, Valesca writes about freelancing, self-employment, and taxes based on her own experience as a freelancer.
Who is Valesca ?Thank you for your feedback!
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