From Finland to Spain and from Iceland to Cyprus, we’ve got Europe covered.

Send Money to Europe


PFG Smart Credit provides fast, secure and easy money transfers to just about anywhere in Europe, with convenient delivery options for everyone.

Account Deposit in Local Currencies

Your recipient can have the money deposited directly into their local currency account in several European countries.
See all recipient countries

Account Deposit in Euro

Your recipient can have the money deposited directly into their Euro bank account in any SEPA member country.
See all SEPA countries

What is SEPA?


SEPA stands for Single Euro Payments Area, and is an agreement between countries within Europe aiming to make transfers within Europe the same as domestic transfers. SEPA is made up of the Euro zone, countries within the EU and a few other countries which also support Euro bank transfers.

What is IBAN ?


An International Bank Account Number (IBAN) is used in some countries to uniquely identify a customer’s bank account. The IBAN consists of an alphabetical country code, followed by two digits, and then up to thirty five characters for the bank account number. IBAN is a mandatory requirement for sending payments to Europe and to many other countries.

What you need to know...


Basic Information

Standard Fee
AUD 20 for all amounts
Concessional lower fee available during special promos and offers
Delivery time
Priority Payments (SWIFT)

1-2 business days, after receipt of AUD funds into our bank account

Service available from Monday to Friday
All Business Transfers are sent via SWIFT.

Available for Personal Transfers too.
Available through all agent outlets
Regular Payments (SEPA)

2-3 business days, after receipt of AUD funds into our bank account

Service available from Monday to Friday
Available only for Personal Transfers.
Available through all agent outlets.
Amount Limit
Minimum Send Amount : AUD 100(per transfer)

Maximum Account Deposit : No Limit
Receive Amount
SWIFT
Recipient/Intermediary banks may deduct their charges for SWIFT payments.
SEPA
Full amount of your transfer is normally paid to the beneficiary without any deductions.
It is worth checking with the recipient bank to find out if they will charge to receive SWIFT wire transfers or SEPA payments.
Receiver’s details required
Account Deposit

Recipient’s full name, address and bank account details including IBAN
IBAN should be between 15 and 31 characters long (letters and numbers) depending on the country. For a list of SEPA countries and IBAN lengths, see here
Amendments
Free of charge if done prior to release of payments by us.

Amendments are NOT possible after release of payments.
Cancellations
AUD 25 fee for all cancellations
Foreign exchange loss on conversion and deductions/charges of banks/payment partners etc. will be recovered from the customer.
Business Transfers
Business Transfers can be done in Euro or in any of the Local Currencies
Business Transfers can also be made to beneficiaries in Europe in USD, GBP etc.

To know more, please see ‘Business Transfers’.

Security

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