The timing for offering SEPA Instant payments varies depending on the payment service provider, however all Credit Unions, banks and payment service providers within EU countries who use the euro must:
- From January 2025: be able to receive SEPA Instant payments
- From October 2025: be able to send SEPA Instant payments
Payment service providers in the EU/EEA whose currency is not euro have until January 2027 to be able to receive and July 2027 to be able to send SEPA Instant payments.
Non-EU/EEA countries within SEPA such as the UK and Switzerland are not required but may choose to adopt SEPA Instant payments voluntarily (Link to EPC Geographical scope here)