What is a SEPA bank transfer?

A SEPA transfer is a transfer that takes place between checking accounts of countries that are part of the SEPA area (Single Euro Payment Area) and has the advantage of nullifying the distinction between domestic and foreign payments, and making them easier and faster.

What is the difference between an ordinary bank transfer and an instant bank transfer?

The difference is in the transfer times. An ordinary bank transfer generally takes from 1 to 2 working days, depending on the bank and the time at which it is issued. An instant transfer is credited at the same time it is issued.

What are the costs for an ordinary SEPA transfer?

I bonifici SEPA ordinari non hanno costi.

Qual è l'importo massimo di un bonifico ordinario?

L'importo massimo di un bonifico SEPA ordinario in uscita è di 10.000€ al giorno e per singola operazione. Se vuoi modificare i massimali del bonifico, ti consigliamo di inoltrare la richiesta in anticipo per consentire alla banca di poter effettuare eventuali controlli e richiedere, se necessario, documentazione integrativa.

What are the fees for an instant bank transfer?

Instant transfers have no cost, but are subject to the following limitations: minimum amount per transaction of €0.01. maximum amount of €1,000 for each transaction. maximum daily amount of €3,000. maximum monthly amount of €15,000 per month. maximum 30 transactions per day. maximum 100 transactions per month.

Qual è l'importo massimo di un bonifico SEPA istantaneo?

L'importo massimo di un bonifico SEPA istantaneo in uscita è di 1.000€ per singola operazione, con un limite giornaliero complessivo di 3.000€.

How long does it take for a bank transfer to be credited?

Il bonifico istantaneo SEPA si riceve nel momento stesso in cui si ordina il trasferimento. Il bonifico ordinario SEPA, se si effettua da BBVA a BBVA è istantaneo, se inviato a un'altra banca, l'accredito avverrà entro la fine della giornata lavorativa successiva, a condizione che l'operazione venga eseguita entro l’orario di cut-off (orario limite per l’elaborazione delle operazioni bancarie). Le richieste di bonifico effettuate oltre tale orario saranno elaborate il giorno lavorativo successivo. Si precisa che ogni banca stabilisce il proprio orario di cut-off, che può variare da un istituto di credito all'altro. When making a transfer, the bank indicates the date on which the money will arrive. We remind you that transfers ordered on Saturdays, Sundays, January 1st, Easter Friday and Monday, May 1st, December 25th and December 26th will be accounted for on the next working day.

What information do I need to make a foreign bank transfer?

To make a foreign bank transfer, you will need the name of the beneficiary, their IBAN, and the amount. Transfers can only be made in euro.

Qual è il codice SWIFT/BIC di BBVA?

Il codice SWIFT/BIC di BBVA Italia è BBVAITMMXXX. Serve per identificare in modo univoco una banca o un'istituzione finanziaria a livello internazionale durante le transazioni finanziarie. È essenziale per assicurare che i fondi siano trasferiti correttamente tra le banche.

The TRN (Transaction Reference Number) is a unique code that identifies a payment transaction, such as in the case of wire transfers, and replaces the old CRO (Operation Reference Code) with the entry into force of the European SEPA circuit.

Where can I find the TRN?

The TRN can be found on the bank transfer receipt as a "BBVA Reference", just check the confirmation of the operation. You can also obtain the TRN from the account statement, by consulting the list of transactions, or request it directly from the bank.

Where can I find the CRO?

The CRO (Operation Reference Code), which is usually required to check whether or not the bank operation has been carried out, has been replaced by the TRN (Transaction Reference Number) and you can find it on the bank transfer receipt.

Where can I retrieve the data of a beneficiary to whom I have already made a payment?

You can find your contact details by entering the "Bank transfers/Giro" section and clicking on "BBVA Contacts". You will be able to add, edit or delete a name by entering your profile and clicking on "Contacts".

SEPA transfers

Make transfers easily, quickly, and at no cost

Bonifici SEPA istantanei con un limite massimo giornaliero di 3.000€, applicabile verso le principali banche.
Bonifici SEPA ordinari fino a un massimo di 10.000€.

Open the account

Do you need to make an instant transfer? Now, you can send and receive money in seconds

At no cost: it is free to all banks.
Fast: arrives in an instant, available to all major banks.
Easy: directly from the BBVA App or website. Available 24 hours a day, every day of the week.

What type of bank transfer do you need to make? It doesn't matter, it's free!

Instant SEPA transfers

The money transfer is immediate. Disponibile verso le principali banche. Senza costi fino a un massimo di 1.000€ per ogni transazione e fino a 3.000€ al giorno.
Ordinary SEPA transfers

They take 1 to 2 business days to arrive. If the transfer is to another BBVA account, the money will arrive at its destination immediately. Senza costi fino a un massimo di 10.000€.

Add your contacts to your address book for faster transfers

Do you want to make transfers faster and more automatically? Thanks to the contact list, you can save your beneficiaries by entering their name and IBAN code. Here's how to do it:

From the app, enter your profile and click on “Contacts”.
Go to “Add Contact”. You will be asked for the beneficiary's first name, last name and IBAN. You can add more than one account for the same person.
Dopo aver compilato tutti i campi, conferma l’operazione con il riconoscimento biometrico.

Also from "Contacts", you can search for an already registered beneficiary and modify or delete it.

When you need to make a transfer, enter directly in "Transfers/Account transfers" and you will find the contacts you have saved.

How to make a bank transfer?

Open the BBVA App and go to the menu.
Select "Operations" and then click on "Bank Transfers/Money Transfers."
Select your account, enter the IBAN and the name of the beneficiary, the amount to be transferred, and the type of bank transfer. Confirm.
Choose the type of bank transfer: ordinary or instant. In the case of an instant bank transfer, you will see whether the recipient bank adheres to the service during the operation.
Conferma l’operazione con il riconoscimento biometrico.

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Open the account

Download the app

Make transfers easily, quickly, and at no cost

Do you need to make an instant transfer? Now, you can send and receive money in seconds

What type of bank transfer do you need to make? It doesn't matter, it's free!

Instant SEPA transfers

Ordinary SEPA transfers

Add your contacts to your address book for faster transfers

How to make a bank transfer?

Do you need more information?

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Cash withdrawal

Add money to your account

24/7 customer service

Make transfers easily, quickly, and at no cost

Do you need to make an instant transfer? Now, you can send and receive money in seconds

What type of bank transfer do you need to make? It doesn't matter, it's free!

Instant SEPA transfers

Ordinary SEPA transfers

Add your contacts to your address book for faster transfers

How to make a bank transfer?

Do you need more information?

What is a SEPA bank transfer?

What is the difference between an ordinary bank transfer and an instant bank transfer?

What are the costs for an ordinary SEPA transfer?

Qual è l'importo massimo di un bonifico ordinario?

What are the fees for an instant bank transfer?

Qual è l'importo massimo di un bonifico SEPA istantaneo?

How long does it take for a bank transfer to be credited?

What information do I need to make a foreign bank transfer?

Qual è il codice SWIFT/BIC di BBVA?

What is the TRN?

Where can I find the TRN?

Where can I find the CRO?

Where can I retrieve the data of a beneficiary to whom I have already made a payment?

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Cash withdrawal

Add money to your account

24/7 customer service