How to withdraw EUR via SEPA

Modified on Tue, 23 Jun at 2:35 PM

Send funds from your Wirex One EUR account to any bank account in the SEPA zone.

Transfers arrive instantly — though in some cases may take up to 1–3 business days.

How to send

Tap Send on the Dashboard or Account screen.

Select Bank Account.

Select an existing recipient or tap Add New to enter recipient details:

First name and last name (or company name)
IBAN
BIC/SWIFT

Tap Continue.

Enter the amount. Your EUR account is selected by default — you can switch to another account if needed (currency conversion will apply).

Review the transfer details including any fees.

Tap Confirm to send.

The transfer appears in your Activity immediately with a pending status, updating once processed.

Transfer times

SEPA Instant — usually arrives within seconds, though may take a few minutes in some cases.
SEPA — typically 1–3 business days, depending on your bank.

Important: For complete visibility into every transfer, tap the transaction in your Activity and select Show More to view the full status timeline.

From the moment a transfer is initiated, it appears in your Activity with an amber status — updating automatically at every stage, from Payment Scheduled through to Sent to Recipient's Account.

Should a transfer be delayed, failed, or rejected at any point, the timeline reflects this instantly — showing exactly where and why, so you're always in control.

FAQ

Who can I send to?

Anyone with a bank account in the SEPA zone — EU, EEA, Switzerland, the UK, and others. You don't need to know the recipient's bank; IBAN and BIC are sufficient.

Can I send in a currency other than EUR?

SEPA transfers are EUR only. If you send from a non-EUR account, the system will convert the amount at the prevailing rate and debit the equivalent from your selected account. The conversion is shown before you confirm.

Is there a fee?

Fees are shown on the Review screen before you confirm. Wirex One displays the full cost breakdown — including any applicable transfer fees — upfront.

Can I send to a business account?

Yes — select Company when adding the recipient and enter the company name and IBAN.

Can I edit a recipient's details after saving them?

You can delete a saved recipient and add them again with updated details. Editing existing payment details is coming in a future update.

Why does my transfer show an amber status?

Amber indicates the transfer is currently being processed. The status updates automatically at each stage until the transfer is complete.

How do I check the detailed status of my transfer?

Tap the transaction in your Activity, then tap More to expand the full status timeline — you'll see every stage in real time.

What stages does a transfer go through?

Once initiated, a transfer moves through the following stages: Payment Scheduled → Funds Deducted from Wallet → Transfer Confirmed → Sent to Recipient's Account.

What does it mean if my transfer failed?

The status timeline will show exactly at which stage the transfer failed. Check the reason shown and retry with the correct details, or contact Wirex One support if the issue is unclear.

What does it mean if my transfer was rejected?

A rejection can occur at any stage — on Wirex One's side or the recipient's bank. The timeline will indicate where the rejection happened, making it easier to understand next steps.

Will I be notified when my transfer is complete?

Your Activity updates automatically once the transfer reaches its final status. Tap the transaction at any time to see the latest stage.

My transfer hasn't arrived — what do I do?

See My Transfer Hasn't Arrived for a full walkthrough.

Why was my SEPA transfer rejected?

Common reasons: incorrect IBAN or BIC, unsupported destination, or a compliance check. See Why Was My Transfer Rejected? for details.

Still have questions?

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