Virement SEPA gratuit, compte personnel sans résidence UE
Envoyez et recevez des virements SEPA en euros depuis votre IBAN néerlandais (NL). 41 pays. SEPA Instant.
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One Standard pour Euro Payments Across Europe
SEPA est the backbone of euro paiements across Europe, enabling fast, low-cost virements between 41 pays via only an IBAN. NOWE makes it simple to access SEPA Instantané et standard virements sans residency requirements or hidden frais.
Built pour speed, trust, et borderless euro banking.
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Single Euro Payments Area
A européen paiement system enabling euro bank virements across 41 pays at the same speed et cost as domestic transactions, via only the recipient's IBAN.
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SEPA Credit Transfer (SCT)
Standard euro bank virement. Settles sous 1 jour ouvré. No extra frais, no currency conversion. Used pour payroll, factures, et marketplace payouts.
SEPA Instantané Credit Transfer
Money arrives in under 10 seconds, 24/7/365, y compris weekends et holidays. Mandatory across the EU depuis October 2025.
Reach 41 pays
Envoyer et recevoir euro paiements across all 36 SEPA member states et associated territories avec a single IBAN néerlandais (NL).
Single Euro Payments Area
A européen paiement system enabling euro bank virements across 41 pays at the same speed et cost as domestic transactions, via only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank virement. Settles sous 1 jour ouvré. No extra frais, no currency conversion. Used pour payroll, factures, et marketplace payouts.
SEPA Instantané Credit Transfer
Money arrives in under 10 seconds, 24/7/365, y compris weekends et holidays. Mandatory across the EU depuis October 2025.
Reach 41 pays
Envoyer et recevoir euro paiements across all 36 SEPA member states et associated territories avec a single IBAN néerlandais (NL).
Single Euro Payments Area
A européen paiement system enabling euro bank virements across 41 pays at the same speed et cost as domestic transactions, via only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank virement. Settles sous 1 jour ouvré. No extra frais, no currency conversion. Used pour payroll, factures, et marketplace payouts.
SEPA Instantané Credit Transfer
Money arrives in under 10 seconds, 24/7/365, y compris weekends et holidays. Mandatory across the EU depuis October 2025.
Reach 41 pays
Envoyer et recevoir euro paiements across all 36 SEPA member states et associated territories avec a single IBAN néerlandais (NL).
Single Euro Payments Area
A européen paiement system enabling euro bank virements across 41 pays at the same speed et cost as domestic transactions, via only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank virement. Settles sous 1 jour ouvré. No extra frais, no currency conversion. Used pour payroll, factures, et marketplace payouts.
SEPA Instantané Credit Transfer
Money arrives in under 10 seconds, 24/7/365, y compris weekends et holidays. Mandatory across the EU depuis October 2025.
Reach 41 pays
Envoyer et recevoir euro paiements across all 36 SEPA member states et associated territories avec a single IBAN néerlandais (NL).
Single Euro Payments Area
A européen paiement system enabling euro bank virements across 41 pays at the same speed et cost as domestic transactions, via only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank virement. Settles sous 1 jour ouvré. No extra frais, no currency conversion. Used pour payroll, factures, et marketplace payouts.
SEPA Instantané Credit Transfer
Money arrives in under 10 seconds, 24/7/365, y compris weekends et holidays. Mandatory across the EU depuis October 2025.
Reach 41 pays
Envoyer et recevoir euro paiements across all 36 SEPA member states et associated territories avec a single IBAN néerlandais (NL).
Single Euro Payments Area
A européen paiement system enabling euro bank virements across 41 pays at the same speed et cost as domestic transactions, via only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank virement. Settles sous 1 jour ouvré. No extra frais, no currency conversion. Used pour payroll, factures, et marketplace payouts.
SEPA Instantané Credit Transfer
Money arrives in under 10 seconds, 24/7/365, y compris weekends et holidays. Mandatory across the EU depuis October 2025.
Reach 41 pays
Envoyer et recevoir euro paiements across all 36 SEPA member states et associated territories avec a single IBAN néerlandais (NL).
Single Euro Payments Area
A européen paiement system enabling euro bank virements across 41 pays at the same speed et cost as domestic transactions, via only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank virement. Settles sous 1 jour ouvré. No extra frais, no currency conversion. Used pour payroll, factures, et marketplace payouts.
SEPA Instantané Credit Transfer
Money arrives in under 10 seconds, 24/7/365, y compris weekends et holidays. Mandatory across the EU depuis October 2025.
Reach 41 pays
Envoyer et recevoir euro paiements across all 36 SEPA member states et associated territories avec a single IBAN néerlandais (NL).
Single Euro Payments Area
A européen paiement system enabling euro bank virements across 41 pays at the same speed et cost as domestic transactions, via only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank virement. Settles sous 1 jour ouvré. No extra frais, no currency conversion. Used pour payroll, factures, et marketplace payouts.
SEPA Instantané Credit Transfer
Money arrives in under 10 seconds, 24/7/365, y compris weekends et holidays. Mandatory across the EU depuis October 2025.
Reach 41 pays
Envoyer et recevoir euro paiements across all 36 SEPA member states et associated territories avec a single IBAN néerlandais (NL).
Single Euro Payments Area
A européen paiement system enabling euro bank virements across 41 pays at the same speed et cost as domestic transactions, via only the recipient's IBAN.
SEPA Credit Transfer (SCT)
Standard euro bank virement. Settles sous 1 jour ouvré. No extra frais, no currency conversion. Used pour payroll, factures, et marketplace payouts.
SEPA Instantané Credit Transfer
Money arrives in under 10 seconds, 24/7/365, y compris weekends et holidays. Mandatory across the EU depuis October 2025.
Reach 41 pays
Envoyer et recevoir euro paiements across all 36 SEPA member states et associated territories avec a single IBAN néerlandais (NL).
Personnel Features
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Gratuit SEPA Envoyer & Receive
Envoyer SEPA virement en ligne gratuit et recevoir euro bank virements at zero cost. Gratuit euro virement on all tiers.
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IBAN néerlandais (NL)
Your SEPA compte est backed by a Pays-Bas EU IBAN, not a Lithuanian IBAN. Recevoir EUR depuis Europe to votre personal IBAN.
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SEPA Instantané Payment
SEPA instantané paiement personal virements complete in 10 seconds. Same-day euro paiement, 24/7, y compris weekends.
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Non-Resident SEPA Access
Ouvrir SEPA compte en ligne non-résident, no EU address needed. SEPA bank compte pour expats et remote workers, globally.
Comment Envoyer et Recevoir SEPA Transfers
Ouvrir Account
Complete the en ligne application. SEPA virement personal compte en ligne est set up in ~4 minutes.
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Dernière étape
Verify votre identity to complete votre compte setup. Usually takes 5–10 minutes.
Contacter le support
Get Votre NL IBAN
Your IBAN néerlandais (NL) est issued et ready to recevoir SEPA paiements.
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Share Votre IBAN
Share votre IBAN avec employers, clients, or platforms to get paid in EUR.
Envoyer a SEPA Transfer
Envoyer gratuit SEPA virements to any of 41 pays, standard or instant.
Recevoir Gratuit
Recevoir EUR depuis Europe, arrives in 1 jour ouvré or 10 seconds instant.
SEPA Payments For Votre Life Abroad
Expat Euro Payments
Pay rent, utilities, et bills across Europe. Gratuit SEPA virements reach 41 pays as fast as domestic paiements.
Gratuitlancer Invoice EUR
Share votre IBAN on factures. EU clients pay via SEPA Credit Transfer directly, gratuit pour them, gratuit pour you.
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Recevoir EUR From Europe
Recevoir EUR depuis employers, clients, or platforms. Arrives in 1 jour ouvré or 10 seconds instant.
SEPA vs SWIFT : différences clés
Use SEPA pour EUR paiements sous 41 pays, faster, gratuit. Use SWIFT pour non-EUR or outside SEPA zone. See full comparison: /tools/sepa-vs-swift
Gratuit SEPA With NOWE vs Traditional Banking
Choisissez votre forfait NOWE
NOWE Classic
Le compte bancaire gratuit pour les auto-entrepreneurs avec cashback
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Sans frais mensuels
- Gratuit SEPA Envoyer & Receive
- SEPA Instantané Capable
- Virtual Card
- Multi-Currency IBAN
- SWIFT Transfers (€5)
NOWE Platinum
Le compte bancaire pour les auto-entrepreneurs avec cashback
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Facturation mensuelle
- Gratuit SEPA Envoyer & Receive
- SEPA Instantané Capable
- Physical + Virtual Card
- IBAN néerlandais (NL)
- SWIFT (€2) · Team Access · 1% Cashback
NOWE Black
Le compte bancaire pour les auto-entrepreneurs avec cashback
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Facturation mensuelle
- Gratuit SEPA Envoyer & Receive
- SEPA Instantané Capable
- Physical + Virtual Card
- IBAN néerlandais (NL)
- SWIFT Gratuit · Full API · 2% Cashback
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Cartes physiques (Platinum & Black) disponibles pour clients basés en Europe et le Royaume-Uni uniquement. IBAN et SEPA access available globally.
Détails complets des forfaits : Voir la comparaison
How non-EU SMEs cut SEPA paiement frais et accelerated EU payouts
Non-EU businesses et gratuitlancers rely on NOWE's Pays-Bas IBAN pour gratuit SEPA paiements, faster reconciliation, et lower FX costs across 36 européen pays.
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Received SEPA paiements in seconds avec €0 frais compared to our previous bank charging per virement.
Our bank charged us pour every incoming virement. With NOWE, SEPA est gratuit, et funds arrive instantly instead of next day.
Amira K.
SME Owner · Individual
🇦🇪 UAE
Réglementé et fonds protégés
Agrément FCA
Payment Services via Equals Money PLC, Authorised And Regulated By Le UK Financial Conduct Authority.
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Fonds protégés
PS2-Compliant. Client Funds Held In Safeguarded Accounts, Never Used For Credit Or Speculation.
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NOWE Money B.V.
KvK 98048260 · John M. Keynesplein 4, 1066 EP Amsterdam, Pays-Bas
Private limited liability company immatriculé in the Pays-Bas.
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Avertissement juridiqueNOWE Money B.V. est a private limited liability company immatriculé in the Pays-Bas, listed avec the Dutch Chamber of Commerce (KvK) under number 98048260, avec immatriculé office at John M. Keynesplein 4, 1066 EP Amsterdam. Payment services sont provided by Equals Money PLC, authorised et regulated by the Financial Conduct Authority (FCA) under registration number 900190. Funds sont held in safeguarded comptes et sont not covered by the Financial Services Compensation Scheme (FSCS).
Questions fréquentes
SEPA (Single Euro Payments Area) est a européen paiement system enabling euro bank virements across 41 pays at domestic speed et cost. NOWE Money supports both SEPA Credit Transfer (1 jour ouvré) et SEPA Instantané Credit Transfer (within 10 seconds, 24/7). SEPA paiements at NOWE sont gratuit to envoyer et receive.
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Gratuit SEPA, votre way
IBAN néerlandais (NL). Gratuit envoyer & receive. SEPA Instant. Ouvrir in ~4 minutes.
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Cartes physiques disponibles pour Europe et Royaume-Uni clients only. All other features, IBAN, SEPA, SWIFT, FX conversion, sont available dans le monde entier.