3.0: No longer the exception but the norm
SEPA Instant is reshaping Europe’s payment future
SEPA Instant is reshaping Europe’s payment future
From October 2025, real-time payments are no longer the exception — they’re the new norm across the Eurozone.
SEPA Instant Credit Transfer (SCT Inst) enables near-instant cross-border payments across 35 countries, with 2,700+ PSPs already on board. That’s 89% of Eurozone providers.
Designed to tackle fragmented domestic systems, SCT Inst delivers funds within seconds, bringing transparency and efficiency across borders.
And the impact?
46% see a significant impact
40% say moderate
Just 2% believe it will have no impact
As Matthias Dekan of Raiffeisen Bank puts it:
Real-time payments are becoming the norm… fortunately, those [confusing] times are gone.
Are you ready?
Europe is building a faster, more seamless payments infrastructure — are you ready?
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