SEPA Instant Payments are on the way!

From Thursday, the 9th October 2025, you’ll be able to send and receive euro payments in under 10 seconds, anytime, day or night. That means no more waiting around for business hours, cut-off times, weekends, or bank holidays — money will move when you need it to.

What to expect before launch

You may spot the new “Instant Transfer” option in your online banking or mobile app in the lead-up to the launch. At first, instant payments will only work for smaller transfer amounts.

• If the amount you enter is within the Instant transfer limit, your money will be on its way in seconds.

• If the amount is above the limit, don’t worry — your payment will still go through safely using the standard SEPA transfer option (which usually takes a business day).

SEPA Instant means greater speed, flexibility, and convenience for you. Whether it’s sending money to family, paying bills, or receiving funds, you’ll have peace of mind knowing transfers are almost immediate.

Want to learn more? Check out the PayRightNow.ie website for all the details.