Instant Payment
 

Instant Payment

Pay quickly and securely with Instant Payment for euro transfers

 
Starting from 9 October 2025, you can benefit from an innovative enhancement for SEPA transfers: Real-time transfer (instant payment).

With real-time transfer, your money reaches the recipient in seconds at any time of day, including at weekends and on public holidays. This innovation builds on existing security standards and will make your payments faster, more secure and more transparent in the future.

Useful tip

Instant Payment does not incur any additional costs. The price of SEPA payments will not change - your payments will be more secure and faster, but not more expensive.

Real-time transfer (instant payment)

What is this?

With instant payment, euro transfers are executed in a matter of seconds at any time of day, including at weekends and on public holidays. The amount is immediately available to the recipient, which is particularly advantageous for urgent payments or in everyday business.

Your advantages at a glance:

  • 365 days a year, transfer 24/7
  • Europe-wide in SEPA countries at participating banks
  • Available within VP Bank e-Banking
  • No additional costs - just as for standard SEPA transfers

FAQs

Instant Payment

Do I need to actively do anything in order to use real-time transfer?

No. If you have a payment transaction account with VP Bank that includes e-banking access, you can automatically use both functions. However, this is only possible if the receiving bank supports the respective procedure.

How does real-time transfer work?

Enter your payment as usual in VP Bank e-Banking or mobile banking. If you actively select the “real time” option and the recipient can be contacted, the amount will be credited within seconds at any time, even at weekends.

If the real-time option is not selected, the transfer will proceed as previously in the traditional manner.

How fast is a real-time transfer?

Real-time transfers are usually executed within a couple of seconds. You will receive a prompt response as to whether the amount has been successfully credited to the recipient’s account.

How much will a real-time transfer cost me?

Real-time transfers do not entail any additional costs for private clients. The fees are the same as those charged for a regular, standard SEPA transfer. Receipt of a real-time transfer is also free of charge for private clients. Business clients, on the other hand, are billed according to the specific account model agreed upon.

What requirements apply to real-time transfers?

Real-time transfers are available for euro payments within the SEPA zone, provided that the payment is SEPA-compatible and the recipient bank participates in real-time processes. Additionally, the “real time” option must be actively selected in e-Banking.

The function is already available for clients of VP Bank Luxembourg.

VP Bank Liechtenstein is currently able to receive real-time SEPA payments, but is not yet able to send them.

Incoming and outgoing real-time payments are not currently planned at VP Bank Switzerland, as they are not required under regulations.

More information