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What is the difference between a SWIFT transfer and a SEPA transfer?

The SEPA (Single Euro Payment Area) network makes it possible to send euros within the European Union. This network also includes Norway, Iceland, Liechtenstein, Switzerland, Monaco and San Marino.

The SWIFT (Society for Worldwide Interbank Financial Telecommunication) network makes it possible to send single non-euro transfers anywhere in the world. They are also referred to as “non-SEPA zone” transfers. Unlike with the SEPA network, banking institutions must pay to access the SWIFT network.

Qonto is connected to both SEPA and SWIFT networks.

This means that you can send transfers to most countries in the world and in most currencies. You can also receive transfers from all over the world, regardless of the local currency.

☝️At the moment, the feature permitting to receive incoming SWIFT transfers is only available for French and German companies with an account on our new platform (those whose IBAN starts with QNTO).


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