Instant euro transfers across Europe. Arrives in seconds when supported by both banks.
Transfer speed: Instant (10 seconds)
Available in: FR, DE, IT, ES
Binance has supported SEPA Instant deposits for EUR in parts of Europe, and Kraken also supports instant-style EUR funding options in supported corridors. Coinbase and other majors may support instant EUR funding depending on country and banking partner, so check the deposit rail shown in-app.
When both your bank and the exchange support it, SEPA Instant can arrive in seconds, not hours. If either side does not support it, the transfer drops back to standard SEPA timing.
SEPA Instant can carry lower per-transaction caps at the bank level, and the exchange can also cap inbound instant deposits. Your practical limit is the smaller of your bank's instant transfer limit and the exchange's deposit limit.
The most common issue is assuming the transfer is instant when the recipient is not SEPA Instant capable, so the deposit does not show up quickly. Reference mismatches still apply, so a "fast rail" does not save you from a missing reference code.
Cards are instant but cost more and fail more often due to issuer declines. SEPA Instant is close to card-speed in supported cases, usually cheaper, and better suited for repeated funding once you have a clean setup.