SEPA Payments in EUR

Quick and reliable payments in EUR to the European Union and other European countries.

Lower fees compared to
standard international payments

On the next
business day

Payments sent and credited throughout the day

Payments in the EU and other European countries

Online telephone assistance available for payment orders

Make payments online, at a branch, and over the telephone


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SEPA payment up to EUR 50,000 inclusive
CZK 195
SEPA payment above EUR 50,000
CZK 1,500
Payment for KBSK clients
CZK 10

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By phone

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At a branch

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  • SEPA stands for Single Euro Payments Area 
  • SEPA comprises Member States of the EU, Norway, Iceland, Lichtenstein, Switzerland, Monaco, and San Marina
  • All SEPA payments 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 are determined accordingly
  • Payments must be submitted on a SEPA payment form
  • SEPA payments are also available between two KB accounts
  • 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 bank (i.e. bank that has 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 MultiCash KB in the CCT format
  • SEPA payments must meet the following requirements:
    • Payment in EUR 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)

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 additional 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, ultimate debtor and ultimate creditor, you can use identification of an individual or organisation
  • Organisation may newly be identified with a BIC / SWIFT code as well

Urgent payments

If you wish to transfer additional payment details (e.g. E2E reference, payment purpose, debtor’s/ultimate debtor’s identification, creditor’s/ultimate creditor’s identification) or you need, for whatever reason, the SEPA payment to be credited to the creditor’s account in XML format (it may be required by your foreign business partner, for example), then submit the payment by 11:00 am, select the “Urgent payment” checkbox and fill in the code word “SEPA” in the field SCT category purpose – section Description.

If you do not need to enter additional payment details and you only care about the creditor’s account being credited today, simply select the “Urgent payment” checkbox and submit the payment by 2:00 pm.

Good to have

Foreign Payment Transactions

Cashless international payments and foreign currency payments in the Czech Republic.
  • Payments sent and credited throughout the day
  • Make payments online, at a branch, and over the telephone

SEPA Direct Debits in EUR

Cashless EUR payments initiated by payment creditor through creditor’s bank.
  • Submit your direct debits conveniently online

  • Online telephone assistance available for payments