How to make SEPA transfers?
Hello,
I ordered a product that costs 80 euros. Now, I live in Switzerland, and I have to transfer the money, so I'll use a SEPA payment slip.
My question is.
If I have completed the SEPA payment slip and submitted it to the bank, i.e. in paper form, do I have to pay the 80 euros?
Since I live in Switzerland, I have to convert CHF into EURO.
Or let me ask: If I want to hand in the SEPA payment slip at the bank counter, what do I have to do?
Never done it before.
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Although Switzerland is not a euro country, it participates in SEPA.
This means that you can generally make transfers in euros to accounts in euro countries.
Unfortunately, I can't tell you what your bank will charge you for this or at what rate they'll convert Swiss francs into euros. It certainly won't be free.
You can transfer in euros – the bank will then convert it at the current exchange rate (much better than the banknote rate).
… and charges appropriate fees.
The rules for payments within the EU do not apply to Switzerland.
Yes, the regulations are the same, because SEPA has nothing to do with the EU. The transfer is generally free. Some banks, including German ones, charge fees for foreign currency conversion. 30 centimes via e-banking; 10 francs at UBS in a branch.
Yes and no.
SEPA does not necessarily have anything to do with the EU (non-EU members also participate in SEPA), but the fee regulations do.
German banks and savings banks also sometimes charge the standard fees for international transfers for transfers to countries like the UK or Switzerland, which would not be permitted within the EU. I have no information on transfers from Switzerland to the EU.
The bank staff will help you. Just ask.