XBO.emoney for business
SEPA payments for your business in EUR
XBO eMoney lets your company send and receive SEPA payments in euros, from a EUR account with an IBAN in your company's name. Payments go by SEPA Instant where the other bank supports it, standard SEPA otherwise. You see the fee before you confirm a payment.
What is a SEPA payment at XBO eMoney?
A payment in euros that you send from your EUR account, or that a client sends to your EUR IBAN, in your company's name.
A SEPA payment in the dashboard
Captured from the live demo.
How a SEPA payment works
Add who you pay
Save the payee's name, IBAN and BIC once, and use them again for every SEPA payment.
Pay from your EUR account
Enter the amount in euros. Holding GBP? Convert it first. You see a live FX quote first, and nothing moves until you confirm.
Check and confirm
You see the fee before you confirm a payment. Two-factor confirmation on every payment, not just at login.
Follow it
Each SEPA payment shows in your dashboard under EUR, with statements and transaction exports for your records.
SEPA Instant or standard SEPA
Every SEPA payment is in euros, sent from your EUR account.
| Scheme | When it is used | Where you see it |
|---|---|---|
| SEPA Instant | Where the receiving side supports it | Your dashboard, under EUR |
| Standard SEPA | Where SEPA Instant is not used | Your dashboard, under EUR |
Getting paid works the other way: clients send SEPA payments to your EUR IBAN, in your company's name.
Serious about security.
- Every action audited. Every session yours to revoke.
- Client money is held safeguarded at regulated partner institutions and is never lent out. Your money is never ours.
Questions about SEPA payments
Can I send SEPA Instant payments?
Payments go by SEPA Instant where the other bank supports it, standard SEPA otherwise.
How do clients pay me by SEPA?
They send a SEPA payment to your EUR IBAN, which is in your company's name. It shows in your dashboard under EUR.
How is a SEPA payment confirmed?
With a code, every time. Two-factor confirmation on every payment, not just at login.
What does a SEPA payment cost?
Fees are set out in your individual client agreement. You see the fee before you confirm a payment.
Can I pay in euros if I hold pounds?
Yes, if you hold both EUR and GBP accounts. Convert to euros first. You see a live FX quote first, and nothing moves until you confirm.
Read next
Business payments in EUR and GBP
Pay suppliers and partners in both currencies.
Receive business payments in EUR and GBP
Get paid by clients into details in your company's name.
Your EUR IBAN and GBP account details
What each set of details is for.
Business foreign exchange between EUR and GBP
Convert to euros before you pay.
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