Instant payment, also known as „SEPA real-time transfer“, is a new transfer option in online banking. In contrast to a conventional SEPA transfer, instant payment transfers are executed and posted within seconds, and are available around the clock, 365 days a year and outside of regular banking hours.

In general, instant payment is available in all countries that belong to SEPA (Single Euro Payments Area). It is up to individual banks, however, to offer this option to its customers. Therefore, you can only use instant payments to transfer money to recipients whose banks also offer this type of transfer.

The recipient’s IBAN is verified upon entry. Should the recipient’s bank be unable to process an instant payment transfer, a message box will appear with a link to switch to the conventional SEPA transfer method. Taking into account the acceptance and execution periods for regular SEPA transfers, the amount would then be received at the earliest by the next business day. Details regarding acceptance and execution periods can be found in the list of prices and services.

Instant payment transfers incur a fee. This fee will only be charged to your account per successful transfer. Details regarding these fees can be found in our list of prices and services under “SEPA instant payments orders”.

Following a successful instant payment transfer, the amount transferred will appear in the recipient’s bank account within 20 seconds. Please wait for the transfer to be processed until you receive either a confirmation of the execution or a rejection of the transfer.

Typically, an instant payment transfer is restricted to a maximum of 100,000 €. Should this amount be exceeded, you will be notified in online banking before the transfer is authorized. In addition, the daily transfer limit for your online banking account also applies for instant payment transfers.

An instant payment transfer is processed immediately and therefore cannot be cancelled once authorized. Please contact customer service, if necessary.

Please remain on the page after authorizing the order and wait until the process has been completed. Within seconds, you will be notified whether the transfer succeeded or failed.

Once a transfer has been executed, a message will appear indicating whether the request succeeded or failed. If you remain logged in and have clicked on another page in online banking in the meantime, a small pop-up window will be displayed if your instant payment transfer failed. Please do not log out of online banking until you have received feedback on your transfer request.

If the transfer was successful, you will find a corresponding entry in the transaction overview.

An instant payment transfer is processed immediately and cannot be scheduled for a certain date. If you would like to request a transfer with an execution date in the future, please use the SEPA transfer method.

Click on the link „calculate IBAN“ in the IBAN field. You will see a small window in which you can find the IBAN by entering a valid german account number and bank code. Click once on “Transfer IBAN” to copy the IBAN into the IBAN field of the instant payment page.

With the help of a template, you can save your data to use again on future transfers. To do this, click “Save as template” after entering your data and give the template a name. If you choose not to name the template, it will be saved under the name of the recipient. If the transfer was authorized with a valid TAN, the template will be saved during processing.