LOCALMONERO

SEPA vs SEPA Instant: choosing your transfer

Standard SEPA

Standard SEPA transfers follow the bank’s business-day processing and cut-off times. A transfer submitted late or on a non-business day may arrive later than the LocalMonero payment window. Verify the arrival estimate before committing.

SEPA Instant

Instant SEPA aims to make euro funds available within seconds, including outside normal business hours. Both sides must be reachable for the intended transfer; banks can impose limits or maintenance periods. Check the actual option shown by your bank.

Choose for the contract you have

The key question is when the seller will receive the exact euro amount, not when you pressed “send”. Do not select a slower route assuming that a payment report extends the deadline. Ask in the contract chat if timing is uncertain.

Cost and Monero delivery

Bank charges and the LocalMonero markup are different costs. Review both and compare the net XMR quoted. Neither transfer type provides cryptocurrency escrow or reverses a Monero transaction sent to the wrong address.