Send money by bank transfer at Fonmoney

Transparent fees and a regulated service: Fonmoney takes your SEPA transfer from your own bank account — a classic route for larger amounts.

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Bank transfer at Fonmoney — SEPA transfer

Fonmoney lets you send money by bank transfer straight from your own bank account via SEPA — with no card details and no third party. It suits larger amounts especially well.

Processing usually takes 1–2 business days, as Fonmoney needs to receive the incoming payment first. After that, your transfer to the recipient is carried out straight away.

How to send money by bank transfer

1 Set up the transfer — pick the destination country and the amount on Fonmoney.
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 — you pay by SEPA transfer directly from your bank account.
✓ Built for larger amounts — the usual route when you send a larger amount abroad.
✓ SEPA standard — the European payment standard, offered by banks across the SEPA area.
✓ Familiar and secure — you pay through your usual bank account.
✓ Costs up front — you see the total at Fonmoney before you confirm. Your bank may add its own SEPA fee.

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. Mobile top-ups at Fonmoney are paid by credit card or paysafecard; a bank transfer is only available for money transfers.

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.

Will my bank charge me anything?

Fonmoney shows the total before you confirm. Some banks charge a fee for outgoing SEPA payments — your bank can tell you.

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 about bank transfer

“The bank transfer works smoothly at Fonmoney. Sent, waited, arrived.”

Liam O.

Ireland ★★★★★

“For larger amounts I always use the bank transfer. It takes 1–2 days, but with no card involved.”

Katrin S.

Germany ★★★★☆

“Simply paid by SEPA. Once the payment had arrived, the money was in Cuba within 1–3 business days.”

Joris D.

Netherlands ★★★★★