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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:
Niemcy
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
  • Polska
    PLN · Złoty polski
  • Stany Zjednoczone
    USD · Dolar amerykański
  • Wielka Brytania
    GBP · Funt szterling
  • Niemcy
    EUR · Euro
All countries
  • Afganistan
    AFN · Afgani afgańskie
  • Albania
    ALL · Lek albański
  • Algeria
    DZD · Dinar algierski
  • Andora
    EUR · Euro
  • Angola
    AOA · Kwanza angolska
  • Arabia Saudyjska
    SAR · Rial saudyjski
  • Argentyna
    ARS · Peso argentyńskie
  • Armenia
    AMD · Dram armeński
  • Australia
    AUD · Dolar australijski
  • Austria
    EUR · Euro
  • Azerbejdżan
    AZN · Manat azerbejdżański
  • Bahrajn
    BHD · Dinar bahrajński
  • Bangladesz
    BDT · Taka bangladeska
  • Belgia
    EUR · Euro
  • Białoruś
    BYN · Rubel białoruski
  • Birma
    MMK · Kiat birmański
  • Bośnia i Hercegowina
    BAM · Marka konwertybilna
  • Botswana
    BWP · Pula botswańska
  • Brazylia
    BRL · Real brazylijski
  • Bułgaria
    BGN · Lew bułgarski
  • Chile
    CLP · Peso chilijskie
  • Chiny
    CNY · Juan chiński
  • Chorwacja
    EUR · Euro
  • Cypr
    EUR · Euro
  • Czechy
    CZK · Korona czeska
  • Dania
    DKK · Korona duńska
  • Dżibuti
    DJF · Frank Dżibuti
  • Egipt
    EGP · Funt egipski
  • Ekwador
    USD · Dolar amerykański
  • Estonia
    EUR · Euro
  • Eswatini
    SZL · Lilangeni
  • Etiopia
    ETB · Birr etiopski
  • Filipiny
    PHP · Peso filipińskie
  • Finlandia
    EUR · Euro
  • Francja
    EUR · Euro
  • Ghana
    GHS · Cedi ghańskie
  • Gibraltar
    GIP · Funt gibraltarski
  • Grecja
    EUR · Euro
  • Gruzja
    GEL · Lari gruzińskie
  • Guernsey
    GGP · Funt Guernsey
  • Gwinea
    GNF · Frank gwinejski
  • Hiszpania
    EUR · Euro
  • Holandia
    EUR · Euro
  • Hongkong
    HKD · Dolar hongkoński
  • Indie
    INR · Rupia indyjska
  • Indonezja
    IDR · Rupia indonezyjska
  • Irak
    IQD · Dinar iracki
  • Iran
    IRR · Rial irański
  • Islandia
    ISK · Korona islandzka
  • Izrael
    ILS · Nowy szekel izraelski
  • Japonia
    JPY · Jen japoński
  • Jemen
    YER · Rial jemeński
  • Jersey
    JEP · Funt Jersey
  • Jordania
    JOD · Dinar jordański
  • Kanada
    CAD · Dolar kanadyjski
  • Katar
    QAR · Rial katarski
  • Kazachstan
    KZT · Tenge kazachskie
  • Kenia
    KES · Szyling kenijski
  • Kirgistan
    KGS · Som kirgiski
  • Kongo
    CDF · Frank kongijski
  • Korea Południowa
    KRW · Won południowokoreański
  • Kuwejt
    KWD · Dinar kuwejcki
  • Lesotho
    LSL · Loti Lesotho
  • Liban
    LBP · Funt libański
  • Liechtenstein
    CHF · Frank szwajcarski
  • Litwa
    EUR · Euro
  • Luksemburg
    EUR · Euro
  • Łotwa
    EUR · Euro
  • Malawi
    MWK · Kwacha malawijska
  • Malezja
    MYR · Ringgit malezyjski
  • Malta
    EUR · Euro
  • Maroko
    MAD · Dirham marokański
  • Mauritius
    MUR · Rupia Mauritiusu
  • Meksyk
    MXN · Peso meksykańskie
  • Mołdawia
    MDL · Lej mołdawski
  • Monako
    EUR · Euro
  • Mongolia
    MNT · Tugrik mongolski
  • Namibia
    NAD · Dolar namibijski
  • Nepal
    NPR · Rupia nepalska
  • Nigeria
    NGN · Naira nigeryjska
  • Norwegia
    NOK · Korona norweska
  • Nowa Zelandia
    NZD · Dolar nowozelandzki
  • Oman
    OMR · Rial omański
  • Pakistan
    PKR · Rupia pakistańska
  • Paragwaj
    PYG · Guarani paragwajskie
  • Południowa Afryka
    ZAR · Rand południowoafrykański
  • Portugalia
    EUR · Euro
  • Republika Irlandii
    EUR · Euro
  • Rosja
    RUB · Rubel rosyjski
  • Rumunia
    RON · Lej rumuński
  • Serbia
    RSD · Dinar serbski
  • Singapur
    SGD · Dolar singapurski
  • Słowacja
    EUR · Euro
  • Słowenia
    EUR · Euro
  • Sri Lanka
    LKR · Rupia sri lankijska
  • Surinam
    SRD · Dolar surinamski
  • Szwajcaria
    CHF · Frank szwajcarski
  • Szwecja
    SEK · Korona szwedzka
  • Tajlandia
    THB · Baht tajski
  • Tajwan
    TWD · Dolar tajwański
  • Tanzania
    TZS · Szyling tanzański
  • Turcja
    TRY · Lira turecka
  • Uganda
    UGX · Szyling ugandyjski
  • Ukraina
    UAH · Hrywna ukraińska
  • Urugwaj
    UYU · Peso urugwajskie
  • Węgry
    HUF · Forint węgierski
  • Wietnam
    VND · Dong wietnamski
  • Włochy
    EUR · Euro
  • Wyspa Man
    IMP · Funt Wyspy Man
  • Zimbabwe
    ZWL · Dolar Zimbabwe
  • Zjednoczone Emiraty Arabskie
    AED · Dirham ZEA
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
  • 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)
  • AED
    United Arab Emirates, UAE · Dirham (UAE)
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!