SEPA credit transfers are used within the Netherlands and other SEPA countries. You can use single credit transfers or batches. SEPA credit transfer batches are delivered by you in the PAIN (XML) file format. You need not maintain separate accounts for credit transfers in and to other SEPA countries. All you need is your ABN AMRO account in the Netherlands.
Many SEPA credit transfers can be credited to a recipient's account within seconds: every day of the year and at any time of the day, including evenings and at the weekend. This applies to 'single' credit transfers you input manually via Access Online, Internet Banking or the ABN AMRO app, provided the recipient's bank co-operates. The following message will then appear in the summary of the entry: 'With the recipient: immediately'. If the recipient's bank does not yet co-operate, you will see: 'With the recipient: within 1 working day'. Credit transfers between two Dutch ABN AMRO accounts are always credited to the recipient's account immediately.
What does it mean for you?
Most of the Dutch banks and a large part of the other European banks support making superfast payments. Many of your customers can see that a credit transfer into your account will be credited within a few seconds. And they expect you to be aware of that immediately. Also when they contact your customer services department during the evening or the weekend. Take these types of questions into account.
Sometimes superfast payments are not possible
Not all credit transfers can be credited to a recipient's account within seconds. For example:
Take these delivery deadlines into account when delivering credit transfers which will be credited to the recipient’s account within 1 working day. Also, check the file format and example files.
An urgent payment is still possible. If an ordinary credit transfer can be credited to the recipient's account within seconds, it is not necessary to make an urgent payment. In Internet Banking and Access Online, we check this for you automatically.
If you pay the same bills every month, simply set up a standing order. We'll take care of the rest. And standing orders are also processed as Instant Payments, provided the recipient's bank co-operates.
With effect from 1 June 2023, we will no longer process acceptgiros.
Do you want to clearly present the payment details on your paper or digital invoice? Then, the Instruction to pay might be a useful tool.
Read more (in Dutch) and download the templates .
If you pay the same bills every month, simply set up a standing order. We'll take care of the rest. And standing orders are also processed as Instant Payments, provided the recipient's bank co-operates.
With effect from 1 June 2023, we will no longer process acceptgiros.
Do you want to clearly present the payment details on your paper or digital invoice? Then, the Instruction to pay might be a useful tool.
Read more (in Dutch) and download the templates .
