Payments and transfers

From instant SEPA to SWIFT and on-chain settlements — one portal, unified compliance checks and reporting for accounting and regulators.

Make a transfer
Payments and transfers
Channels

Payment methods

Choose a corridor by speed, cost and currency — fiat and crypto go through the same AML framework.

SWIFT

MT103/MT202 to 180+ countries. Priority Corporate processing — up to 4 hours on EU→UK and EU→US corridors.

MT103GPIUETR

SEPA

SEPA Credit and SEPA Instant 24/7/365. Incoming free on all packages, outgoing per tariff.

Instant€0 in

Crypto

Outgoing in BTC, ETH, USDC with travel rule, address screening and limits per client policy.

Travel RuleBatch
Unified AML across all channels MT940 / CAMT.053 REST API and webhooks
SWIFT

International correspondents

Direct nostro accounts in EUR, USD and GBP with leading banks — no unnecessary intermediaries on standard corridors.

Circle Payments SWIFT — for Private and Corporate: transparent fees, GPI tracking and sanctions risk warnings before sending.

Outgoing SWIFT fee: from €15 (Private) to €8 (Corporate, Enterprise package). OUR / SHA / BEN at choice. Automatic BIC and IBAN validation, beneficiary name checks.

  • Timelines

    1–3 business days on most corridors; express — up to 4 hours EU→UK / EU→US for Corporate.

  • Tracking

    UETR and SWIFT GPI statuses in the app and via webhook — for treasury and ERP.

  • Templates

    Saved counterparties, recurring payments and dual approval for amounts above limits.

Enable SWIFT

International SWIFT payments — Circle Banking
Comparison

SWIFT · SEPA · Crypto

Speed, fee and limit guidelines — exact terms depend on package and KYC level.

Channel Speed Fee from Limit (standard)
SEPA Instant Up to 10 sec €0 €100,000 / payment
SEPA Credit 1 business day €0 No limit*
SWIFT 1–3 days €8–25 Per KYC level
BTC on-chain 10–60 min Network + 0.1% €250,000 / day
ETH / USDC 1–5 min Gas + 0.1% €500,000 / day

* AML limits and enhanced verification apply to large amounts. Current tariffs — in Fees and your service agreement.

Corporate API In-app signing YubiKey / TOTP

Configure payment corridors

We will enable SWIFT, SEPA and crypto for your business structure — with limits and API integration.

Open account Contact us