Transfer money
in 10 seconds.
Instant, permanent, scheduled transfers — and centralized management of your direct debit mandates. We cover the entire SEPA area, 36 countries, with no hidden fees.
A transfer for
every need.
From one-off transfers to recurring direct debits, credia-financial offers three SEPA transfer methods adapted to your use.
Received in
10 secondsSent and received
in 10 seconds.
The SEPA Instant Transfer (SCT Inst) credits the beneficiary's account in less than 10 seconds, 24 hours a day, 365 days a year, weekends and public holidays included.
- Available 24/7, including public holidays
- Ceiling up to €100,000 per transfer
- Real-time receipt confirmation
- To all participating SEPA establishments
- History viewable in real time in the app
D+1 working day
ProgrammableProgram in advance, simply.
The classic SEPA transfer (SCT) is executed the next working day. Ideal for deferred payments, known due dates or fixed date transfers.
- Programming up to 12 months in advance
- Cancellation or modification until D−1
- Multiple transfers to several beneficiaries
- Email confirmation & push notification
- CSV import for bulk transfers
Recurrent
AutomaticAutomate your
recurring payments.
Rent, alimony, scheduled savings... The permanent transfer automatically executes a fixed amount at a chosen frequency, without any intervention on your part.
- Frequency: weekly, monthly, quarterly, annually
- Configurable due date and end date
- Modification or suspension at any time
- Notification before each execution
- Unlimited accumulation of active permanent transfers
"The credia-financial instant transfer is available 24 hours a day, 365 days a year. A transfer sent at 11 p.m. on December 31 arrives in less than 10 seconds."
— Transfers and Payments ServiceManage all your
mandates in one place.
View, contest or revoke your SEPA direct debit mandates directly from the credia-financial application. No more need to contact each creditor one by one.
Centralized view
All your active mandates listed with creditor, usual amount, date of next withdrawal and frequency.
Instant revocation
Revoke a mandate in two clicks. The order is sent to the creditor within 24 hours according to the SEPA standard.
1-click dispute
Does a sample seem abnormal to you? Challenge it directly from the app. Refund within 8 weeks guaranteed.
Transfer of mandate
If you change banks, we automatically transfer your active mandates to your new account.
Alerts before sampling
Receive a notification 2 days before each large withdrawal. Block in time if necessary.
Complete history
Each collection is archived with its mandate reference. Exportable in PDF for your declarations.
Active mandates
36 countries.
A single standard.
The SEPA area simplifies all payments in euros between its members. We give you access to this entire space, at no extra charge.
SEPA countries
A transfer in
4 simple actions.
Open credia-financial
In the application or web space, tap “Transfer” in the main menu.
Choose the beneficiary
Select a registered beneficiary or enter an IBAN. We validate the IBAN in real time.
Amount and reason
Enter the amount, the reason (SEPA wording) and choose between instant or deferred.
Validate and let's go
Confirm by Face ID, fingerprint or secret code. The transfer is executed immediately.
They transfer
with credia-financial every day.
“I send the rent to my landlord on the 1st of each month via a standing order. It leaves automatically, I don't even think about it anymore. It's incredibly simple. »
“The management of mandates in the app is a revolution. I was able to spot a fraudulent direct debit, dispute it in 2 clicks and be reimbursed in 3 days. »
“We use credia-financial transfers to pay our suppliers in Germany and Spain. Instant, no fees, it's unbeatable compared to our old bank. »
Your questions
about transfers.
Our team responds via chat in less than 2 minutes.
How long does an instant transfer take?
An Instant SEPA transfer (SCT Inst) is credited to the beneficiary's account in less than 10 seconds, 24 hours a day, 365 days a year. If the beneficiary's system is unavailable, the transfer automatically switches to a standard D+1 transfer at no additional cost.
Can I cancel an instant transfer that has already been sent?
No. By definition, an instant transfer is irrevocable upon validation. If you made an error with the amount or beneficiary, you must contact the recipient to have them voluntarily reimburse you. We can facilitate this process via its mediation service.
What is the daily transfer limit?
The default limit is €10,000 per instant transfer (€100,000 for standard), and €20,000 per cumulative day. These limits are adjustable from your customer area, subject to validation by our security team for amounts above €50,000.
How to dispute a SEPA direct debit?
From the credia-financial app, navigate to the relevant transaction and tap “Dispute”. For an unauthorized debit (without a valid mandate), you have the right to reimbursement without justification within 13 months following the debit. For an authorized but contested withdrawal, the deadline is 8 weeks.
Are transfers to Switzerland or the United Kingdom free?
Yes. Although Switzerland and the United Kingdom are not in the Eurozone, they are members of the SEPA area. Transfers to these countries are therefore carried out according to standard SEPA rules, at no additional cost, with the usual deadlines (instant or D+1 depending on availability).
Ready to send
your first transfer?
Opening in 10 minutes · Transfer upon activation · €0 SEPA fees