How can I find out whether my transfer will be executed as an instant payment or will be processed as a standard transfer?

In principle, your order will be executed as an instant payment (if it is a transfer in euros within the SEPA zone), unless this is not possible for one of the following reasons:

• The amount of the order exceeds the predefined instant payment limit (per transaction) (EUR 50.000 in S-Net and EUR 100.000 in S-Net Business) or the limit you have set.
• Spuerkeess needs to verify the payment order before executing it.
• The beneficiary's bank refuses to accept the instant payment.

If the instant payment cannot be executed, you will be notified immediately and, if possible, you will have the option of choosing to have it processed as a standard SEPA transfer.