SEPA transfers can be made to any individual or organization with a bank account that supports SEPA transactions.

To initiate a SEPA transfer, go to the 'Payments' tab in your business account, select 'Transfer,' enter the recipient's account details or upload an invoice, specify the amount and the source account, and click 'Send.'

Regular SEPA transfers typically take 1-2 business days to reach your business account or the recipient’s, excluding weekends and public holidays. In contrast, Instant SEPA transfers are processed within seconds, provided the recipient's bank supports this transfer method.

Send International Transfers to individuals or organizations in any of our 51 supported countries, using any of the 22 currencies available in your business account.

To initiate an international transfer, follow the same steps as a SEPA transfer. Navigate to the 'Payments' tab in your business account, select 'Transfer,' enter the recipient's account details or upload an invoice, specify the amount and the source account, select the fees, and click 'Send.'

International transfers generally take up to 5 business days to arrive in your business account or the recipient's account.

For more information on international transfers, please visit this page.

Bulk payments allow you to schedule up to 200 SEPA transfers at once from your business account. This feature is invaluable when you need to initiate a large number of payments simultaneously, saving time and effort.

To initiate a bulk transfer, go to the 'Payments' tab in your business account, select 'Bulk Transfer,' upload a CSV file containing all the recipient transfer details as outlined in our guide, review the list of transfers, and click 'Send.'

Bulk transfers are processed within the same timeframe as SEPA transfers.

For more information on bulk transfers, please visit this page.

If you have multiple accounts within your Vivid Business account, transfers between them are instantaneous.

To execute a transfer between your accounts, access the 'Payments' tab, select 'Between My Accounts,' choose the accounts involved, specify the transfer amount, and click 'Send.'

Transfers between your money accounts are processed instantly.

You can easily exchange currencies between your accounts by selecting 'Between My Accounts' in the 'Payments' tab. Choose the currency accounts you’d like to transfer from and to and initiate real-time conversions with zero commission. To view the complete list of supported currencies on this page.

Our rates are available 24 hours a day, 5.5 days a week. This service operates from Monday at 8:00 AM Sydney time (Monday 00:00 CEST or 01:00 CET) until Friday at midnight Western US time (Saturday 09:00 CEST or 10:00 CET). Please note that currency exchanges are unavailable on banking holidays; the full holiday schedule can be found on this page.

To read more about currency accounts, you can check this page.