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SEPA transfers – free European bank transfers

Free SEPA bank transfers across Europe

Send SEPA transfers conveniently and securely. Choose ZEN.COM to make SEPA money transfers across Europe with no additional transfer fees.

SEPA transfers – free European bank transfers

Free SEPA bank transfers across Europe

Send SEPA transfers conveniently and securely. Choose ZEN.COM to make SEPA money transfers across Europe with no additional transfer fees.

You send to:
Germany
You send:
EUR
Recipient gets:
EUR
Transfer method:
SEPA bank transfer
Total transfer cost in EUR:
0,00 EUR 41,00 EUR
Save up to 41,00 EUR
 
How we calculated the discount
OR
Want a different option than our cost-saving match? Choose a method available for your selected currency pair.
Popular countries
  • Poland
    PLN · Polish Zloty
  • United States
    USD · US Dollar
  • United Kingdom
    GBP · Pound Sterling
  • Germany
    EUR · Euro
All countries
  • Afghanistan
    AFN · Afghan Afghani
  • Albania
    ALL · Albanian Lek
  • Algeria
    DZD · Algerian Dinar
  • Andorra
    EUR · Euro
  • Angola
    AOA · Angolan Kwanza
  • Argentina
    ARS · Argentine Peso
  • Armenia
    AMD · Armenian Dram
  • Australia
    AUD · Australian Dollar
  • Austria
    EUR · Euro
  • Azerbaijan
    AZN · Azerbaijani Manat
  • Bahrain
    BHD · Bahraini Dinar
  • Bangladesh
    BDT · Bangladeshi Taka
  • Belarus
    BYN · Belarusian Ruble
  • Belgium
    EUR · Euro
  • Bosnia and Herzegovina
    BAM · Convertible Mark
  • Botswana
    BWP · Botswana Pula
  • Brazil
    BRL · Brazilian Real
  • Bulgaria
    BGN · Bulgarian Lev
  • Canada
    CAD · Canadian Dollar
  • Chile
    CLP · Chilean Peso
  • China
    CNY · Chinese Yuan
  • Congo
    CDF · Congolese Franc
  • Croatia
    EUR · Euro
  • Cyprus
    EUR · Euro
  • Czech Republic
    CZK · Czech Koruna
  • Denmark
    DKK · Danish Krone
  • Djibouti
    DJF · Djiboutian Franc
  • Ecuador
    USD · US Dollar
  • Egypt
    EGP · Egyptian Pound
  • Estonia
    EUR · Euro
  • Ethiopia
    ETB · Ethiopian Birr
  • Finland
    EUR · Euro
  • France
    EUR · Euro
  • Georgia
    GEL · Georgian Lari
  • Ghana
    GHS · Ghanaian Cedi
  • Gibraltar
    GIP · Gibraltar Pound
  • Greece
    EUR · Euro
  • Guernsey
    GGP · Guernsey Pound
  • Guinea
    GNF · Guinean Franc
  • Hong Kong
    HKD · Hong Kong Dollar
  • Hungary
    HUF · Hungarian Forint
  • Iceland
    ISK · Icelandic Krona
  • India
    INR · Indian Rupee
  • Indonesia
    IDR · Indonesian Rupiah
  • Iran
    IRR · Iranian Rial
  • Iraq
    IQD · Iraqi Dinar
  • Irlandia
    EUR · Euro
  • Isle of Man
    IMP · The Isle of Man Pound
  • Israel
    ILS · Israeli New Shekel
  • Italy
    EUR · Euro
  • Japan
    JPY · Japanese Yen
  • Jersey
    JEP · Jersey Pound
  • Jordan
    JOD · Jordanian Dinar
  • Kazakhstan
    KZT · Kazakhstani Tenge
  • Kenya
    KES · Kenyan Shilling
  • Kuwait
    KWD · Kuwaiti Dinar
  • Kyrgyzstan
    KGS · Kyrgyzstani Som
  • Latvia
    EUR · Euro
  • Lebanon
    LBP · Lebanese Pound
  • Lesotho
    LSL · Lesotho Loti
  • Liechtenstein
    CHF · Swiss Franc
  • Lithuania
    EUR · Euro
  • Luxembourg
    EUR · Euro
  • Malawi
    MWK · Malawian Kwacha
  • Malaysia
    MYR · Malaysian Ringgit
  • Malta
    EUR · Euro
  • Mauritius
    MUR · Mauritian Rupee
  • Mexico
    MXN · Mexican Peso
  • Moldova
    MDL · Moldovan Leu
  • Monaco
    EUR · Euro
  • Mongolia
    MNT · Mongolian Tögrög
  • Morocco
    MAD · Moroccan Dirham
  • Myanmar
    MMK · Kyat
  • Namibia
    NAD · Namibian Dollar
  • Nepal
    NPR · Nepalese Rupee
  • Netherlands
    EUR · Euro
  • New Zealand
    NZD · New Zealand Dollar
  • Nigeria
    NGN · Nigerian Naira
  • Norway
    NOK · Norwegian Krone
  • Oman
    OMR · Omani Rial
  • Pakistan
    PKR · Pakistani Rupee
  • Paraguay
    PYG · Paraguayan Guaraní
  • Philippines
    PHP · Philippine Peso
  • Portugal
    EUR · Euro
  • Qatar
    QAR · Qatari Riyal
  • Rumunia
    RON · Lej rumuński
  • Russia
    RUB · Russian Ruble
  • Saudi Arabia
    SAR · Saudi Riyal
  • Serbia
    RSD · Serbian Dinar
  • Singapore
    SGD · Singapore Dollar
  • Slovakia
    EUR · Euro
  • Slovenia
    EUR · Euro
  • South Africa
    ZAR · South African Rand
  • South Korea
    KRW · South Korean Won
  • Spain
    EUR · Euro
  • Sri Lanka
    LKR · Sri Lankan Rupee
  • Suazi
    SZL · Lilangeni
  • Suriname
    SRD · Surinamese Dollar
  • Sweden
    SEK · Swedish Krona
  • Switzerland
    CHF · Swiss Franc
  • Taiwan
    TWD · Taiwan Dollar
  • Tanzania
    TZS · Tanzanian Shilling
  • Thailand
    THB · Thai Baht
  • Turkey
    TRY · Turkish Lira
  • Uganda
    UGX · Ugandan Shilling
  • Ukraine
    UAH · Ukrainian Hryvnia
  • United Arab Emirates
    AED · UAE Dirham
  • Uruguay
    UYU · Uruguayan Peso
  • Vietnam
    VND · Vietnamese Dong
  • Yemen
    YER · Yemeni Rial
  • Zimbabwe
    ZWL · Zimbabwe Dollar
Popular currencies
  • PLN
    Poland, Polska · Polish Zloty
  • USD
    United States, USA, US · US Dollar
  • GBP
    United Kingdom, Great Britain, UK · Pound Sterling
  • EUR
    European Union, Eurozone, EU · Euro
All currencies
  • AED
    United Arab Emirates, UAE · Dirham (UAE)
  • AUD
    Australia · Dollar (Australia)
  • CAD
    Canada · Dollar (Canada)
  • CHF
    Switzerland · Swiss Franc
  • CNY
    China, PRC · Yuan (China)
  • CZK
    Czechia, Czech Republic · Crown (Czechia)
  • DKK
    Denmark · Crown (Denmark)
  • HKD
    Hong Kong, HK · Dollar (Hong Kong)
  • HUF
    Hungary · Forint (Hungary)
  • ILS
    Israel · Shekel (Israel)
  • JPY
    Japan, Nippon · Yen (Japan)
  • KES
    Kenya · Shilling (Kenya)
  • MXN
    Mexico · Peso (Mexico)
  • NOK
    Norway · Crown (Norway)
  • NZD
    New Zealand · Dollar (New Zealand)
  • QAR
    Qatar · Rial (Qatar)
  • RON
    Romania · Leu (Romania)
  • SAR
    Saudi Arabia, KSA · Rial (Saudi Arabia)
  • SEK
    Sweden · Crown (Sweden)
  • SGD
    Singapore · Dollar (Singapore)
  • THB
    Thailand · Baht (Thailand)
  • TRY
    Turkey, Türkiye · Lira (Turkey)
  • UGX
    Uganda · Shilling (Uganda)
  • BHD
    Bahrain · Dinar (Bahrain)
  • KWD
    Kuwait · Dinar (Kuwait)
  • OMR
    Oman · Rial (Oman)
  • VND
    Vietnam · Dong (Vietnam)
  • MYR
    Malaysia · Ringgit (Malaysia)
  • PHP
    Philippines · Peso (Philippines)
  • IDR
    Indonesia · Rupiah (Indonesia)
  • ZAR
    South Africa, RSA · Rand (South Africa)
Cheapest
  • SEPA bank transfer
    EUR transfers within SEPA – always free.
    FREE
    1-3 business days
  • Transfer to phone number
    Send to another ZEN.COM user.
    FREE
    instant
  • SWIFT SHA bank transfer
    Send to 80+ regions worldwide.
    4,00 EUR
    1-5 business days
  • Transfer to card
    Arrives fast. Send to Mastercard or Visa.
    10,00 EUR
    usually instant
  • SWIFT OUR bank transfer
    Send to 80+ regions worldwide.
    41,00 EUR
    1-5 business days

Why choose ZEN.COM for international SEPA bank transfers

Support family abroad, fund your children studying overseas, or pay freelancers. Whatever your goal, save on international SEPA transactions with ZEN.

PLN and EUR transfers with zero fees.

PLN and EUR transfers with zero fees.

You can make euro SEPA credit transfers with no commission. Sign up for the ZEN.COM app with the Pro plan.

We support
up to 78 countries
in 35 currencies.

We support
up to 78 countries
in 35 currencies.

Send SEPA money transfers and other international bank transfers worldwide — across Europe, Asia, North and South America, Africa, and Australia.

Your money is safe.

Your money is safe.

ZEN.COM protects your savings and privacy within a secure SEPA payment system environment.

Learn more

You always know what and how much you pay.

You always know what and how much you pay.

You see the cost of SEPA transfers before confirming your payment. No hidden fees or surprises in SEPA payment processing.

Enter the world of
ZEN completely
free.

Enter the world of
ZEN completely
free.

No one offers free access to the BEST plan. We do. Discover ZEN.COM.

Support family abroad, fund your children studying overseas, or pay freelancers. Whatever your goal, save on international SEPA transactions with ZEN.

Send money with ZEN.COM

How much do SEPA transfers cost with ZEN.COM?

Compare the cheapest way to send EUR using SEPA credit transfers
With the ZEN.COM Pro plan you can do it with zero fees.

EUR
EUR
Usługodawca:
Koszt przelewu SEPA:
  • zen.com
    FREE
  • mBank
    0 PLN
  • ING Bank Śląski
    0-9 PLN
  • Millennium
    0-7,99 PLN
  • PKO Bank Polski
    0-10 PLN
  • Credit Agricole
    0-12 PLN
  • Santander Bank Polska
    0-10 PLN
  • VeloBank
    0-10 PLN
  • Wise
    opłata stała 1,49 PLN + opłata zmienna 0,57%
EUR
EUR
Usługodawca:
Koszt przelewu SEPA:
  • zen.com
    FREE
  • mBank
    0 PLN
  • ING Bank Śląski
    0-9 PLN
  • Millennium
    0-7,99 PLN
  • PKO Bank Polski
    0-10 PLN
  • Credit Agricole
    0-12 PLN
  • Santander Bank Polska
    0-10 PLN
  • VeloBank
    0-10 PLN
  • Wise
    opłata stała 1,49 PLN + opłata zmienna 0,57%

SEPA – a simple way to make euro bank transfers

Supported countries

SEPA is a payment system that enables SEPA transactions in euros across: the European Union, Switzerland, the United Kingdom, San Marino, Vatican City, Andorra, Monaco, Iceland, Norway, and Liechtenstein.

Supported currencies

SEPA transfers support only euro (EUR) transactions. Regardless of the sender’s and recipient’s country, funds are sent and received in the same currency within the SEPA payment system.

Applicable fees

SEPA transfers in the Pro plan can be processed in ZEN.COM with zero fees.

How to do SEPA transfers
in ZEN.COM?

Open a free ZEN.COM account in minutes
and complete a SEPA transfer in 3 simple steps.

STEP 1

Choose the currency and
the type of transfer

Bank transfer

Choose the recipient’s currency and select
the type of transfer you want
to use.

STEP 2

Enter the recipient’s details
and the transfer amount

Amount to be sent 1 000,00 EUR
Dawid

Fill in your account number, card number or
your recipient's phone number and enter
transfer amount.

STEP 3

Your transfer is
on its way

https://www.zen.com/wp-content/themes/zen/template-parts/money-transfers/img/boximg12.webp

Transfer delivery time depends on the
transfer method, currency, and the
sender’s and recipient’s countries.

SEND MONEY
STEP 1

Choose the currency and
the type of transfer

Bank transfer

Choose the recipient’s currency and select
the type of transfer you want
to use.

STEP 2

Enter the recipient’s details
and the transfer amount

Amount to be sent 1 000,00 EUR
Dawid

Fill in your account number, card number or
your recipient's phone number and enter
transfer amount.

STEP 3

Your transfer is
on its way

https://www.zen.com/wp-content/themes/zen/template-parts/money-transfers/img/boximg12.webp

Transfer delivery time depends on the
transfer method, currency, and the
sender’s and recipient’s countries.

SEND MONEY

Scan the code and download the ZEN.COM app Scan the code and download the ZEN.COM app

We've made opening an individual account as simple and fast
as you can possibly imagine.
Download the app and see for yourself!