What is SEPA?
SEPA (Single Euro Payments Area) is a unique system for payments in euros. It enables you to make bank transfers to EUR current accounts within the European Union as well as in Switzerland, Iceland, Norway, Liechtenstein, Monaco and San Marino.
The recipient account must be in EUR and in the European Union, or one of the SEPA member countries. You must provide the recipient’s IBAN number and BIC/SWIFT code.
How it works
SEPA makes it possible to process cross-border payments as efficiently as domestic payments. The transfer takes place the same day or, at the latest, the next working day.
Fees and conditions
An unlimited number of SEPA transfers can be made free of charge from our Crédit Agricole next bank pack1.
Frequently asked questions
By logging in to e-banking or the secure mobile banking, you can change money simply at any time in just a few clicks. As well as providing security, this solution gives you greater flexibility to choose the best moment to make the exchange. For more details, please contact your branch advisor.
If you do not yet have access to e-banking, why not apply today?
When making an internal transfer to a Crédit Agricole next bank account in EUR, you can do so directly from your current or savings1 account in CHF, or vice versa. The exchange rate is the same as that for a SEPA transfer, but the payment is made free of charge and immediately2 (during office hours).Apply to open a euro account
Please note, it is therefore essential to verify that the recipient account is in euros (EUR)otherwise your payment could be returned to you, for which you may incur additional charges. For example, a SEPA transfer in Swiss francs (CHF) to a French account would not be possible.See how to make a SEPA transfer