SEPA vs SWIFT : quelle différence ?

Deux réseaux de paiement. L'un : virements euro gratuits en Europe. L'autre : toute devise, 200+ pays.

Réglementé FCA
Virements SEPA gratuits
190+ pays
38+ devises
Fonds protégés
Ouvrir un compteVoir les tarifs

Qu'est-ce que SEPA et SWIFT ?

SEPA est un réseau régional pour des virements euro gratuits dans 36 pays européens. SWIFT est un réseau mondial de messagerie pour les virements dans toute devise, vers plus de 200 pays.

SEPA (Single Euro Payments Area) permet des virements libellés en EUR entre 36 pays européens à la vitesse et au coût d'un virement domestique, rapide, gratuit et en euro uniquement dans la zone.

SWIFT (Society for Worldwide Interbank Financial Telecommunication) relie plus de 11 500 institutions dans 200+ pays. Il prend en charge toute devise via virement international, portée plus large, mais frais plus élevés et règlement plus lent via des banques correspondantes.

Qu'est-ce que NOWE

NOWE Money est une plateforme fintech multidevise exploitée par NOWE Money B.V., Amsterdam (KvK 98048260). Comptes personnels et professionnels avec IBAN UE, paiements SEPA gratuits et FX international sur 190+ pays et 38+ devises. Services de paiement : Equals Money PLC (FCA #900190). KYC ~4 minutes ; vérification sous 1 jour ouvré en général.

SEPA vs SWIFT : comparaison côte à côte

Geographic scope
SEPA36 European countries
SWIFT200+ countries worldwide
NOWE Money190+ countries (both rails)
Supported currencies
SEPAEUR only
SWIFTAny currency
NOWE Money38+ currencies
Transfer speed
SEPAInstant – 2 business days
SWIFT1–5 business days
NOWE MoneySEPA: Instant · SWIFT: 1–2 days
Send fee
SEPAFree (most providers)
SWIFT€10–€30 typical bank fee
NOWE MoneyFree (SEPA) · €2–€5 (SWIFT, by tier)
Receive fee
SEPAFree
SWIFT€5–€15 typical bank fee
NOWE Money€0 Platinum/Black · up to €15 Classic
FX conversion needed?
SEPANo (EUR-only rail)
SWIFTYes, for non-EUR transfers
NOWE MoneyUp to 2% personal · Up to 1.5% business
Correspondent banks?
SEPANo
SWIFTYes, adds fees and delays
NOWE MoneyNo hidden intermediary fees
Best for
SEPAEU/EEA euro transfers
SWIFTGlobal multi-currency wires
NOWE MoneyBoth, one account, one IBAN ✓

Comment fonctionnent les virements SEPA et SWIFT

1
You Initiate a Payment

Enter the recipient's IBAN and BIC/SWIFT code in your banking app or NOWE dashboard.

2
The Network Routes the Transfer

SEPA payments travel directly between European banks on a shared payment rail, no intermediary needed. SWIFT payments pass through a chain of correspondent banks.

3
Funds Are Settled

SEPA Instant settles in seconds. Standard SEPA takes 1–2 business days. SWIFT takes 1–5 business days. SWIFT GPI can accelerate some corridors to same-day.

4
Currencies Are Converted (SWIFT only)

SEPA handles EUR only. SWIFT supports any currency, your bank applies an FX rate. NOWE applies up to 2% (personal) or up to 1.5% (business).

Faits clés sur SEPA et SWIFT

SEPA Zone, 36 Countries

  • Includes all EU members plus Iceland, Liechtenstein, Norway, Switzerland, and the UK. Payments move like domestic transfers, no extra fees within the zone.
  • SEPA Instant Credit Transfer (SCT Inst) settles in under 10 seconds, 24/7. Standard SEPA Credit Transfer takes up to 2 business days.

SWIFT, 200+ Countries

  • SWIFT supports all major and minor currencies. It is the standard rail for cross-border international wire transfers outside the SEPA zone.
  • Correspondent banks in the chain can add fees and delays that are not always visible upfront.

When to Choose SEPA

  • Use SEPA when both parties are in the SEPA zone and the payment is in euros, paying rent in Spain from a German account, sending salary to family in France, or paying EU suppliers.
  • NOWE includes free SEPA transfers on personal and business accounts.

When to Choose SWIFT

  • Use SWIFT when sending outside Europe, paying in a non-euro currency, or receiving from international clients and employers.
  • SWIFT GPI (Global Payments Innovation) enables faster tracking and same-day settlement in many corridors.

SEPA vs SWIFT en un coup d'œil

SEPA, Euro Only

One currency, one zone. Free and fast for everyday European payments.

SWIFT, Global Reach

Any currency, 200+ countries. The default for international wires outside Europe.

SEPA Instant

Sub-10-second settlement, 24/7. The fastest rail for euro transfers in-zone.

One IBAN, Both Rails

NOWE's Netherlands EU IBAN supports free SEPA and competitive SWIFT from one account.

Quand utiliser SEPA ou SWIFT ?

Expats Sending Euros

Use SEPA for free euro transfers to family or landlords anywhere in the 36-country SEPA zone. No fees, settled within 1–2 business days.

Open a Personal Account

Receiving Money from Outside Europe

If a client or employer outside Europe pays you, they'll likely use SWIFT. NOWE's Netherlands IBAN accepts SWIFT receives, €0 on Platinum, up to €15 on Classic.

Open a Personal Account

SEPA Transfer for Non-Residents

You don't need to live in Europe to use SEPA. NOWE issues a Netherlands EU IBAN to personal account holders worldwide, enabling free inbound and outbound SEPA transfers.

Open a Personal Account

Outils et guides associés

FX Rate Calculator

See exactly how much reaches the recipient after conversion fees.

Currency Converter

Convert between 38+ currencies at live mid-market rates.

Multi-Currency IBAN

Hold, send, and receive in 38+ currencies from one EU IBAN.

International FX

Send to 190+ countries at up to 1.5% business FX rate.

Regulated and safeguarded

FCA #900190

FCA Authorised

Payment Services via Equals Money PLC, Authorised And Regulated By The UK Financial Conduct Authority.

PSD2

Safeguarded Funds

PSD2-Compliant. Client Funds Held In Safeguarded Accounts, Never Used For Credit Or Speculation.

KvK 98048260

NOWE Money B.V.

KvK 98048260 · John M. Keynesplein 4, 1066 EP Amsterdam, Netherlands
Private limited liability company registered in the Netherlands.

Compliance full details →

Questions fréquentes

SEPA (Single Euro Payments Area) is a payment network for euro transfers within 36 European countries, free, fast, and euro-only. SWIFT (Society for Worldwide Interbank Financial Telecommunication) is a global network for wire transfers in any currency across 200+ countries, typically involving correspondent banks and higher fees. NOWE Money B.V. supports both rails from one Netherlands EU IBAN.

Pour les particuliers

Votre argent, accessible partout

Jusqu'à 2 % de frais FX, virements SEPA gratuits et couverture dans 190+ pays

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Cartes physiques pour clients Europe et Royaume-Uni uniquement. IBAN, SEPA, SWIFT et conversion FX disponibles dans le monde entier.