• SEPA Payments in EUR

    Quick and reliable transfers of financial funds within the SEPA area.


No need to wait – payments are sent and credited throughout the day.

Low price

Benefit from lower fees for SEPA payments.


Set up a standing order for SEPA payments.


Submit payment orders easily with KB direct banking solutions.

Why KB?

Your choice

We will transfer SEPA payments to any bank within the SEPA area.

Simply ask

We provide online telephone support for SEPA payments.

No stress

SEPA payments are as easy as domestic payment orders.

How to get this product?

Select a branch, leave your contact information – we will call you back.

At a branch

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About SEPA Payments in EUR

  • Payments in Euros within the SEPA area without any limitations of amounts
  • SEPA payments must meet the following requirements:
    • Payment in Euros without any limitations of amounts
    • Creditor’s/debtor’s account within a SEPA area country
    • Creditor’s account number entered in IBAN format
    • Amount transferred between the accounts in full
    • Debtor and creditor pay their respective banks’ fees (i.e. SHA/SLV fee type)

You might also like to know

  • SEPA is a Single Euro Payments Area
  • SEPA area comprises Member States of the European Union, Norway, Iceland, and Lichtenstein, as well as areas where EU treaties are applied and other countries that have voluntarily adopted the SEPA rules (Switzerland, Monaco, and San Marino)
  • All SEPA payments – i.e. EUR payments with SHA/SLEV fees to the SEPA area are subject to same fee – irrespectively of whether the creditor’s bank is SEPA reachable (i.e. whether it adopted SEPA rules); fees for all incoming SEPA payments subject to same rules
  • Payments must be submitted on a SEPA payment form
  • Payment is credited to creditor’s account on the following Business Day after the due date
  • SEPA payments may be submitted until 8:30 pm – with due date on the given day
  • It is possible to include additional information in a payment order – such information will be transferred in the original form to a creditor – for payments to a SEPA reachable banks (i.e. banks that adopted SEPA rules)
  • SEPA payment orders are available as one-off orders or it is possible to import batches with KB direct banking solutions – via MojeBanka Business, Profibanka and Direct Channel in the XML format or via KB MultiCash in the CCT format

Tips and trick

  • Creditor’s account number must always be in the IBAN format
  • No need to enter the BIC / SWIFT code of the creditor’s bank for SEPA payments to the SEPA area
  • SEPA payments within the bank are newly available – with special low fees, similarly as SEPA payments to our Slovak branch
  • It is possible to enter more data for SEPA payments
    • If your business partner’s bank is SEPA reachable, it is possible to use not only the E2E reference field to identify your SEPA payments, but newly also the Purpose field
    • For detailed identification of the debtor, creditor, original debtor and final creditor, you can use identification of an individual or organisation
    • Organisation may newly be identified with a BIC / SWIFT code as well
  • SEPA payments are available as URGENT – if you wish to transfer additional payment details (eg. E2E reference, SCT purpose, Debtor´s / Ultimate Debtor´s identification, Creditor´s / Ultimate Creditor´s identification) or does it matter that the SEPA payment is credited to the creditor's account in XML format (it may be a requirement of your foreign business partner for example), then submit the payment until 11:00 am, tick of "Urgent payment" checkbox and fill in the code word "SEPA" into the field SCT category purpose – section Description.
    If you do not need to enter additional payment details, and the only thing you care about is that the creditor´s account will be credited today, just tick of "Urgent payment" checkbox and submit the payment until 14:00 pm.
    Urgent payments are subject to surcharge specified in the Pricelist.

In the picture

All fees and prices are available in the KB Pricelist.


SEPA payments may also be used within KB.


SEPA payments are also available for banks within the SEPA area that are not SEPA reachable.


For SEPA payments, debtors and creditors pay fees to their respective banks.


SEPA payments are credited to creditor’s account on the next business day after the due date.


Use “Urgent payment” to ensure the funds are credited to creditor’s account on the same day.

SEPA Direct Debits in EUR

Cashless Euro payments initiated by the payment creditor (beneficiary) through creditor’s bank.


Foreign Payment Transaction

Cashless payments in CZK or foreign currencies abroad and foreign currency payments to other banks in the Czech Republic.



Detailed KB pricelist and interest rates.