Send money by bank transfer at Fonmoney
Classic and reliable — with Fonmoney you send money by SEPA transfer. Transparent fees, a regulated service, ideal for larger amounts.
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Bank transfer at Fonmoney — SEPA transfer
The bank transfer is the classic payment method at Fonmoney: you pay directly from your own bank account by SEPA — with no card details and no third party. Especially suited to larger amounts.
Processing usually takes 1–2 business days, as Fonmoney needs to receive the incoming payment first. After that, your money transfer is carried out straight away.
How to send money by bank transfer
- 1 Start your transfer — On Fonmoney, choose money transfer, the destination country and the amount.
- 2 Choose bank transfer — At the payment step, select SEPA transfer as your payment method. You receive an IBAN and a payment reference.
- 3 Transfer and wait — Transfer the amount from your bank account. As soon as the payment arrives (1–2 business days), your transfer is carried out.
Benefits of bank transfer at Fonmoney
- ✓ No card details needed — pay directly from your bank account.
- ✓ Ideal for larger amounts — especially suited to bigger money transfers.
- ✓ SEPA standard — the European payment standard, supported by all banks.
- ✓ Familiar and secure — you pay through your usual bank account.
- ✓ Transparent fees — you see all costs at Fonmoney before you confirm. No hidden costs.
Common questions about bank transfer at Fonmoney
How long does a bank transfer take at Fonmoney?
Usually 1–2 business days until the transfer arrives at Fonmoney. After that, your transfer is carried out straight away.
Which bank details do I need?
After your order you receive the IBAN and the payment reference from Fonmoney. Please always include the payment reference — this is how the payment can be matched to your transfer.
Can I top up mobiles by bank transfer too?
No. At Fonmoney, bank transfer is available for money transfer only. For mobile top-up, use credit card or paysafecard.
Is there a minimum or maximum?
The limits depend on the destination country you choose and your verification status. You can see the details during the order process at Fonmoney.
What happens if I forget the payment reference?
Please contact our customer service so the payment can be matched to your transfer.
Are there any extra fees?
All fees are shown transparently before you confirm. Your bank may charge its own SEPA fees — that is outside the control of Fonmoney.
Pay securely by bank transfer
SSL encryption
All data is transmitted encrypted.
Regulated & licensed
Authorised by the FCA (UK) and Banco de España.
No hidden costs
You see all fees before you confirm.
For years, thousands of customers have trusted Fonmoney for money transfers worldwide.
What our customers say
“The bank transfer works smoothly at Fonmoney. Sent, waited, arrived.”
Emily R.
United Kingdom ★★★★★
“For larger amounts I always use the bank transfer. It takes 1–2 days, but with no card involved.”
Daniel H.
Ireland ★★★★☆
“Simply paid by SEPA. The next day the money was in Cuba.”
Chloe T.
United Kingdom ★★★★★
Payment Methods & Information
All payment options at Fonmoney
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Popular money transfer destinations by bank transfer
Choose a destination country and start your transfer in just a few minutes.