SEPA instant payment
Pay online and payment to selected banks in Slovakia and also abroad will be credited within a few seconds.
Simply
Instantly
Securely
Instant payments
Instant payments represent a quick transfer of funds between accounts held in different banks. Payment can only be made in EUR, in which case the funds are credited to the beneficiary's account within a few seconds of being sent from the payer's bank. This applies at any time, including weekends and holidays.
List of registered banks for SEPA instant payments.
You can enter an instant payment through the following distribution channels: Internet bankingTB, Tatra banka mobile application, Business bankingTB*, Open bankingTB, Tatra banka VIAMO, as well as through any branch of Tatra banka.
Benefits of instant payment
- Speed - one of the biggest advantages of instant payments is the speed of their processing. The funds are credited to the beneficiary's account within a few seconds, regardless of whether the beneficiary's bank is located in Slovakia or abroad.
- Simplicity - entering a SEPA instant payment is as easy as entering SEPA payments. It is sufficient to enter the same information as for entering a standard SEPA payment.
- Convenience - instant payments have the potential to gradually replace some card or cash transactions. You can use them for payments in brick-and-mortar stores, for online purchases - and the goods or services you pay for will be made available immediately. Other examples of the use of instant payments include services for which the provider requires payment immediately.
Payment order and limits
How to enter instant payment in individual distribution channels:
Internet bankingTB
Visit the bank through your computer. You can enter SEPA payments, including SEPA instant payments, via Internet bankingTB - all you have to do is select "Instant" in the "Payment priority" field. In the application settings, you can choose your preferred method of payment processing (standard or instant), and also set how the payment should be processed if it cannot be processed as an instant payment.
Tatra banka mobile application
Enter your payment order wherever you are. Through the Tatra banka application, you can enter SEPA payments, including SEPA instant payments. You can easily select your preferred payment type (standard or instant) in the product settings directly within the mobile application.
Business bankingTB
You can enter all types of payments via Business bankingTB, including SEPA instant payments. You can choose the priority of the payment yourself.
Open bankingTB
It is possible to enter an instant payment or obtain information about instant payments on the account via Open bankingTB. You can find more information on our Developer portal.
Tatra banka VIAMO
You can enter SEPA payments, including SEPA instant payments, via VIAMO easily and quickly to a phone number. You can easily set your preferred payment type (standard or instant) in the product settings in the Tatra banka mobile application or Internet bankingTB.
Branch
You can also submit a SEPA instant payment order at any Tatra banka branch.
Separate limits apply to SEPA instant payments. These limits are included in the limits for SEPA and foreign payments.
| SEPA instant payment | Payment limit | Accounting day limit |
|---|---|---|
| Internet bankingTB | 30 000 EUR | 30 000 EUR |
| Tatra banka application | 30 000 EUR | 30 000 EUR |
| Open bankingTB | 30 000 EUR | 30 000 EUR |
| Branch | 30 000 EUR | 30 000 EUR |
| Tatra banka VIAMO | 1 000 EUR | 1 000 EUR |
Instant payments initiated via the Business bankingTB application are subject to existing signature rule limits and instant payment limit.
Deadlines
| SEPA instant payment | Submission time | Processing date | Appropriation date |
|---|---|---|---|
| Internet bankingTB | until 24:00 | D | D |
| Tatra banka application | until 24:00 | D | D |
| Business bankingTB | until 24:00 | D | D |
| Open bankingTB | until 24:00 | D | D |
| Tatra banka VIAMO | until 24:00 | D | D |
| Branch* | until 17:00 | D | D |
D = payment will be processed on the same day
Payments submitted after 22:15 (10:15 PM) are processed immediately, with the date on the statement being the next banking day.
For payments at a branch outside of Slovakia, the submission deadline is 13:00 (1:00 PM).
*Payments can be submitted on business days (Monday to Friday).
Charges
SEPA instant payments are charged in the same way as SEPA payments and are part of service packages.
Details on charging can be found in the Price list of services.
Frequently asked questions
Yes, the convenience of immediate payments is available to all our clients, whether they are individuals or companies.
Since instant payments are based on SEPA standards, you need to provide the same information to enter an instant payment as to enter a standard SEPA payment. These are: the beneficiary's IBAN format account and the payment amount. We also recommend providing the recipient's name so that you can use the Verification of Payee service and ensure that you are sending the money to the correct recipient.
You can also provide other optional data, such as a variable symbol or a recipient note. In the case of immediate payments abroad, the name of the beneficiary's account must also be provided.
No, as the funds are credited to the beneficiary's account within a few seconds, it is not possible to cancel or cancel the payment after sending.
No, instant payments can only be made in EUR. You can also send a payment from an account held in a currency other than EUR; however, the payment itself must always be in EUR. Instant payments are part of the "SEPA Instant Credit Transfer" scheme, to which Slovakia has also signed up, thus enabling clients to make instant payments in EUR within European countries.
Instant payments can only be made to banks that have voluntarily signed up to the new payment scheme. The currency of payment is always EUR. The maximum limits set by the bank for the execution of instant payments in individual distribution channels are specified in the section "Payment order and limits".
Express payments make it possible to shorten the standard time for processing transfers so that the payee's bank has funds at its disposal on the day of processing the payment order, while the express payment can also be made in a currency other than EUR. This type of payment is charged separately in accordance with the Price list of services.
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https://www.tatrabanka.sk/en/personal/account-payments/payment-system/sepa-instant-payment/