SEPA Instant Payments – 2025

A graphic for SEPA Instant Payments in 2025 shows electronic payments via in-app, online, and in-branch options, with illustrations of hands using phones, euro symbols, and the Mallow Credit Union Ltd. logo at the bottom.

A contents page listing topics on SEPA Instant Payments, verification of payee, terms and conditions, anti-fraud service, and SEPA 2025 developments, with corresponding page numbers ranging from 2 to 7.

A page titled SEPA INSTANT explains SEPA Instant Payments, enabling instant euro transfers in under 10 seconds, available 24/7. It highlights no cut-off times, immediate payment confirmation, key changes, and updates coming in 2025. Some text is bolded for emphasis.

A 2025 document outlining the limits of SEPA Instant Payments, listing requirements such as PSP participation, euro currency, amount limit, geographic restrictions, and 24/7/365 availability, with footnotes and explanatory text.

A page explaining how to handle a mistaken SEPA Instant Payment, featuring a purple table comparing SEPA Instant Payments vs. Standard SEPA Transfers by speed, availability, transaction limit, currency, cost, and bank requirement—updated for SEPA 2025.

A document titled TERMS AND CONDITIONS details updates for SEPA Instant Payments in 2025, with no extra charges, and outlines how to accept the changes, which will apply automatically from 31 August 2025.

A document titled Verification of Payee (VoP) explains a new security feature for SEPA Instant Payments, detailing what VoP is, its October 2025 launch, how it works, and bullet-pointed benefits to protect instant payments.

Document titled ANTI-FRAUD SERVICE details the Credit Union’s new 2025 SEPA Instant Payments security feature, outlining what to expect and highlighting benefits like enhanced security, increased confidence, and effective fraud prevention.

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