How long do transfers take?

All domestic and international incoming SEPA transfers are instant if they come from a bank that supports instant transfers and the sender selects this option. Banking regulation applies to SEPA instant transfers and may delay the transfer in case it needs additional monitoring e.g. when sending large amounts of money.

In case the sending bank doesn’t offer instant transfers or the sender doesn’t choose this option, all SEPA transfers should arrive within a maximum of 2 working days.

Please note that outgoing SEPA transfers are completed within one banking day.

If the transfer is not instant, keep in mind that if a transfer has been made right before a weekend or bank holiday, the time frame will be extended. We send our SEPA payment orders through TARGET2 (new tab). It’s open to process payments every working day from 07:00 to 18:00 CET. The system is closed on the following days:

  • 1 January (New Year's Day)
  • Good Friday, Easter Monday
  • 1 May (Labour Day)
  • 25 December (Christmas Day)
  • 26 December.

With MoneyBeam, you can transfer money to other N26 customers instantly and you can also receive instant MoneyBeam requests from banks that support instant transfers. Times vary for foreign currency transfers with TransferWise (but you’ll see an estimated transfer time on the quote screen).

You'll need to confirm each type of transfer via push message in the app before we send anything out.

Please note: we only accept transfers in EUR via SEPA (that means no SWIFT transfers).

If your incoming transfer is outside of these estimated time frames, please contact the sender (bank) for a payment investigation. We can't investigate incoming transfers.