Free SEPA Transfer Personal Account, No EU Residency
Send and receive free SEPA euro bank transfers from your Netherlands NL IBAN. 41 countries. SEPA Instant.
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One Standard for Euro Payments Across Europe
SEPA is the backbone of euro payments across Europe, enabling fast, low-cost transfers between 41 countries using only an IBAN. NOWE makes it simple to access SEPA Instant and standard transfers without residency requirements or hidden fees.
Built for speed, trust, and borderless euro banking.
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Single Euro Payments Area
A European payment system enabling euro bank transfers across 41 countries at the same speed and cost as domestic transactions, using only the recipient's IBAN.
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SEPA Credit Transfer (SCT)
Standard euro bank transfer. Settles within 1 business day. No extra fees, no currency conversion. Used for payroll, invoices, and marketplace payouts.
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SEPA Instant Credit Transfer
Money arrives in under 10 seconds, 24/7/365, including weekends and holidays. Mandatory across the EU from October 2025.
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Reach 41 Countries
Send and receive euro payments across all 36 SEPA member states and associated territories with a single Netherlands NL IBAN.
Single Euro Payments Area
A European payment system enabling euro bank transfers across 41 countries at the same speed and cost as domestic transactions, using only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank transfer. Settles within 1 business day. No extra fees, no currency conversion. Used for payroll, invoices, and marketplace payouts.
SEPA Instant Credit Transfer
Money arrives in under 10 seconds, 24/7/365, including weekends and holidays. Mandatory across the EU from October 2025.
Reach 41 Countries
Send and receive euro payments across all 36 SEPA member states and associated territories with a single Netherlands NL IBAN.
Single Euro Payments Area
A European payment system enabling euro bank transfers across 41 countries at the same speed and cost as domestic transactions, using only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank transfer. Settles within 1 business day. No extra fees, no currency conversion. Used for payroll, invoices, and marketplace payouts.
SEPA Instant Credit Transfer
Money arrives in under 10 seconds, 24/7/365, including weekends and holidays. Mandatory across the EU from October 2025.
Reach 41 Countries
Send and receive euro payments across all 36 SEPA member states and associated territories with a single Netherlands NL IBAN.
Single Euro Payments Area
A European payment system enabling euro bank transfers across 41 countries at the same speed and cost as domestic transactions, using only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank transfer. Settles within 1 business day. No extra fees, no currency conversion. Used for payroll, invoices, and marketplace payouts.
SEPA Instant Credit Transfer
Money arrives in under 10 seconds, 24/7/365, including weekends and holidays. Mandatory across the EU from October 2025.
Reach 41 Countries
Send and receive euro payments across all 36 SEPA member states and associated territories with a single Netherlands NL IBAN.
Single Euro Payments Area
A European payment system enabling euro bank transfers across 41 countries at the same speed and cost as domestic transactions, using only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank transfer. Settles within 1 business day. No extra fees, no currency conversion. Used for payroll, invoices, and marketplace payouts.
SEPA Instant Credit Transfer
Money arrives in under 10 seconds, 24/7/365, including weekends and holidays. Mandatory across the EU from October 2025.
Reach 41 Countries
Send and receive euro payments across all 36 SEPA member states and associated territories with a single Netherlands NL IBAN.
Single Euro Payments Area
A European payment system enabling euro bank transfers across 41 countries at the same speed and cost as domestic transactions, using only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank transfer. Settles within 1 business day. No extra fees, no currency conversion. Used for payroll, invoices, and marketplace payouts.
SEPA Instant Credit Transfer
Money arrives in under 10 seconds, 24/7/365, including weekends and holidays. Mandatory across the EU from October 2025.
Reach 41 Countries
Send and receive euro payments across all 36 SEPA member states and associated territories with a single Netherlands NL IBAN.
Single Euro Payments Area
A European payment system enabling euro bank transfers across 41 countries at the same speed and cost as domestic transactions, using only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank transfer. Settles within 1 business day. No extra fees, no currency conversion. Used for payroll, invoices, and marketplace payouts.
SEPA Instant Credit Transfer
Money arrives in under 10 seconds, 24/7/365, including weekends and holidays. Mandatory across the EU from October 2025.
Reach 41 Countries
Send and receive euro payments across all 36 SEPA member states and associated territories with a single Netherlands NL IBAN.
Single Euro Payments Area
A European payment system enabling euro bank transfers across 41 countries at the same speed and cost as domestic transactions, using only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank transfer. Settles within 1 business day. No extra fees, no currency conversion. Used for payroll, invoices, and marketplace payouts.
SEPA Instant Credit Transfer
Money arrives in under 10 seconds, 24/7/365, including weekends and holidays. Mandatory across the EU from October 2025.
Reach 41 Countries
Send and receive euro payments across all 36 SEPA member states and associated territories with a single Netherlands NL IBAN.
Single Euro Payments Area
A European payment system enabling euro bank transfers across 41 countries at the same speed and cost as domestic transactions, using only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank transfer. Settles within 1 business day. No extra fees, no currency conversion. Used for payroll, invoices, and marketplace payouts.
SEPA Instant Credit Transfer
Money arrives in under 10 seconds, 24/7/365, including weekends and holidays. Mandatory across the EU from October 2025.
Reach 41 Countries
Send and receive euro payments across all 36 SEPA member states and associated territories with a single Netherlands NL IBAN.
Personal Features
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Free SEPA Send & Receive
Send SEPA transfer online free and receive euro bank transfers at zero cost. Free euro transfer on all tiers.
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Netherlands NL IBAN
Your SEPA account is backed by a Netherlands EU IBAN, not a Lithuanian IBAN. Receive EUR from Europe to your personal IBAN.
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SEPA Instant Payment
SEPA instant payment personal transfers complete in 10 seconds. Same-day euro payment, 24/7, including weekends.
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Non-Resident SEPA Access
Open SEPA account online non-resident, no EU address needed. SEPA bank account for expats and remote workers, globally.
How to Send and Receive SEPA Transfers
Open Account
Complete the online application. SEPA transfer personal account online is set up in ~4 minutes.
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One last step
Verify your identity to complete your account setup. Usually takes 5–10 minutes.
Contact support
Get Your NL IBAN
Your Netherlands NL IBAN is issued and ready to receive SEPA payments.
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Share Your IBAN
Share your IBAN with employers, clients, or platforms to get paid in EUR.
Send a SEPA Transfer
Send free SEPA transfers to any of 41 countries, standard or instant.
Receive Free
Receive EUR from Europe, arrives in 1 business day or 10 seconds instant.
SEPA Payments For Your Life Abroad
Expat Euro Payments
Pay rent, utilities, and bills across Europe. Free SEPA transfers reach 41 countries as fast as domestic payments.
Freelancer Invoice EUR
Share your IBAN on invoices. EU clients pay via SEPA Credit Transfer directly, free for them, free for you.
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Receive EUR From Europe
Receive EUR from employers, clients, or platforms. Arrives in 1 business day or 10 seconds instant.
SEPA vs SWIFT: Key Differences
Use SEPA for EUR payments within 41 countries, faster, free. Use SWIFT for non-EUR or outside SEPA zone. See full comparison
Free SEPA With NOWE vs Traditional Banking
Choose Your NOWE Plan
NOWE Classic
The free bank account for the self-employed, with cashback
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No Monthly Fee
- Free SEPA Send & Receive
- SEPA Instant Capable
- Virtual Card
- Multi-Currency IBAN
- SWIFT Transfers (€5)
NOWE Platinum
The bank account for the self-employed, with cashback
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Billed Monthly
- Free SEPA Send & Receive
- SEPA Instant Capable
- Physical + Virtual Card
- Netherlands NL IBAN
- SWIFT (€2) · Team Access · 1% Cashback
NOWE Black
The bank account for the self-employed, with cashback
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Billed Monthly
- Free SEPA Send & Receive
- SEPA Instant Capable
- Physical + Virtual Card
- Netherlands NL IBAN
- SWIFT Free · Full API · 2% Cashback
Physical cards (Platinum & Black) available for customers based in Europe and the UK only. IBAN and SEPA access available globally.
How non-EU SMEs cut SEPA payment fees and accelerated EU payouts
Non-EU businesses and freelancers rely on NOWE's Netherlands IBAN for free SEPA payments, faster reconciliation, and lower FX costs across 36 European countries.
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Received SEPA payments in seconds with €0 fees compared to our previous bank charging per transfer.
Our bank charged us for every incoming transfer. With NOWE, SEPA is free, and funds arrive instantly instead of next day.
Amira K.
SME Owner · Individual
🇦🇪 UAE
Regulated and safeguarded
FCA authorised
Payment services via Equals Money PLC, authorised and regulated by the UK Financial Conduct Authority.
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Safeguarded funds
PSD2-compliant. Client funds held in safeguarded accounts, never used for credit or speculation.
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NOWE Money B.V.
KvK 98048260 · John M. Keynesplein 4, 1066 EP Amsterdam, Netherlands
Private limited liability company registered in the Netherlands.
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Legal disclaimerNOWE Money B.V. is a private limited liability company registered in the Netherlands, listed with the Dutch Chamber of Commerce (KvK) under number 98048260, with registered office at John M. Keynesplein 4, 1066 EP Amsterdam. Payment services are provided by Equals Money PLC, authorised and regulated by the Financial Conduct Authority (FCA) under registration number 900190. Funds are held in safeguarded accounts and are not covered by the Financial Services Compensation Scheme (FSCS).
Frequently Asked Questions
SEPA (Single Euro Payments Area) is a European payment system enabling euro bank transfers across 41 countries at domestic speed and cost. NOWE Money supports both SEPA Credit Transfer (1 business day) and SEPA Instant Credit Transfer (within 10 seconds, 24/7). SEPA payments at NOWE are free to send and receive.
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Free SEPA, your way
Netherlands NL IBAN. Free send & receive. SEPA Instant. Open in ~4 minutes.
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Physical cards available for Europe and UK customers only. All other features, IBAN, SEPA, SWIFT, FX conversion, are available worldwide.