Payment rail · 27 countries
Payment rail · 27 countriesWhat is SEPA?
SEPA — the Single Euro Payments Area — is the EU initiative under which euro bank transfers move between participating countries on one common set of rules, through schemes such as SEPA Credit Transfer. Poplin pays out over SEPA to 27 countries, settling from real time to one business day where confirmed.
Source: European Payments Council (opens in a new tab)
Updated · Reviewed by Joyce Chin, Chief Operating Officer & Compliance Officer
Which rail reaches…
Which rail reaches your recipient?
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A payout to Brazil clears fastest over
Pix
settles in real time · 0.95% + $1.00 on a business account
Also reaches BRL accounts over
Also reaches USD accounts over
Set from your location — change it above.The recipient’s account details decide the rail — the fee is always shown before you send.
// at a glance
What the rail sets for a payout over SEPA — and what Poplin charges to send.
Settlement
Real time to next day
a ceiling, not the typical time
Reaches
27
countries
Paid out in
EUR
euro
Business fee
0.5%
plus a $1.00 fixed fee
Clearing
International
cross-border clearing
Days are business days — a Saturday delays a same-day or next-day payout. These are ceilings, not typical times: within the window, how fast the money lands depends on the receiving bank.
// how it moves
How SEPA payouts move.
From your US-dollar balance to the recipient’s account — four steps.
You send from USD
Enter an amount in your Poplin US-dollar account and confirm the payout — the full fee shows before you send.
Converted at mid-market
Dollars become euros at the mid-market rate — no markup added.
Cleared over SEPA
Poplin clears the payout over SEPA, Euro bank transfers across Europe.
Arrives inside the window
SEPA settles from real time to one business day — a ceiling, not the typical time; how fast it lands depends on the receiving bank.
// coverage
Where SEPA reaches.
Poplin reaches these 27 countries over SEPA:
Sending somewhere else?
Each destination clears over its own set of rails. See the rail, speed, and fee for any destination — or the fee for every rail on one page.
// related rails
Other schemes that can clear in real time.
SEPA — FAQ
Basics
What is SEPA?
SEPA — the Single Euro Payments Area — is the EU initiative under which euro bank transfers move between participating countries on one common set of rules, through schemes such as SEPA Credit Transfer. Poplin pays out over SEPA to 27 countries, settling from real time to one business day where confirmed.
Speed
How long do SEPA payouts take?
Over SEPA, Poplin payouts settle from real time to one business day where confirmed. Payments leave your account in seconds; SEPA then clears the payout to the recipient’s bank.
Cost
How much does it cost to send money over SEPA with Poplin?
A percentage of the amount plus a $1.00 fixed fee — 0.5% on a business account and 1% on a personal account, shown in full before you send. Conversion, where the payout currency isn’t US dollars, is at the mid-market rate with no markup.
Coverage
Which countries does Poplin reach over SEPA?
Poplin pays out over SEPA to 27 countries: Austria, Belgium, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom.
Send US dollars over SEPA.
Open a US-dollar account in minutes. No monthly fees.