# SEPA Instant

> <p><strong>Known for:</strong> The EU-wide bank-to-bank payment rail (SEPA Instant Credit Transfer / SCT Inst). Moves euros across borders in under 10 seconds. Mandatory for all EU banks since January 2025 (accept) and October 2025 (send). The infrastructure that Wero, MobilePay, and other European wallets run on top of.<br><strong>Available in:</strong> All 36 SEPA countries (EU + Norway, Iceland, Liechtenstein, Switzerland, UK)<br><a data-router-slot="disabled" href="https://www.europeanpaymentscouncil.eu/what-we-do/sepa-instant-credit-transfer" type="external">https://www.europeanpaymentscouncil.eu/what-we-do/sepa-instant-credit-transfer</a></p>

https://www.europeanpaymentscouncil.eu/what-we-do/sepa-instant-credit-transfer