Last Article Update 19.01.2026
Sending money to your neighbour - or to the other end of the world - is one of the most complex things in banking. That's why George makes it as simple and as fast as it gets. Step by step, George will guide you from creating to signing your transfer.
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With George, a new transfer (or order)Â is a tap or click away from:
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George can tell what transfer type to use based on the details you enter. That way, you don't have to figure out what to choose. And if there are further steps, like with tax payments or foreign transfer (non-SEPA)Â - he will adapt the transfer form and guide you along.
The Single Euro Payments Area (SEPA) currently consists of 41 countries, among them all 27 EU member states. SEPA's goal is to unify cashless payments in Euro amongst those within the area. A SEPA transfer works the same way as a domestic transfer. The country doesn't need to have EUR as a currency to take part in SEPA, as long as the transfer is done in EUR.
Of course, that means that if an international transfer - even within the SEPA zone - is done in another currency than EUR, it automatically becomes a foreign transfer (non-SEPA). Also, transfers to countries outside of SEPA will always be foreign transfers (non-SEPA).
As of October 2025, the following countries are part of SEPA:
 Andorra
 Austria
 Belgium
 Bulgaria
 Croatia
 Cyprus
 Czech Republic
 Denmark
 Estonia
 Finland
 France (incl. overseas departments)
 Germany
 Greece
 Hungary
 Iceland
 Ireland 
 Italy
 Latvia
 Liechtenstein
 Lithuania
 Luxemburg
 Malta
 Monaco
 Netherlands
 Norway
 Poland
 Portugal (incl. Azores and Madeira)
 Romania
 San Marino
 Slovakia
 Slovenia
 Spain (incl. Canary Island, Ceuta and Melilla)
 Sweden
 Switzerland
 Vatican
 United Kingdom (incl. Gibraltar, Guernsey, Jersey, Isle of Man)Â
Please note that Greenland and the Faroe Islands are not part of the SEPA area. This also applies to Kosovo: having Euro as a currency does not automatically mean being part of the SEPA area.
1. Tap "New Transfer" under the account you want to send money from in your Overview.
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You can also find a button in your account under Transactions.
2. Choose how you want to set up your transfer:
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3. After tapping "Manual Transfer", you have two ways to choose a recipient:
Use an existing recipient: Tap the name of the contact you want to send money to.Â
Send to a new recipient: Tap "New recipient" and and follow the steps below:
For non-SEPA transfers, George may ask you for more details, such as BIC/SWIFT code.Â
4. Enter the amount you want to transfer and tap "Next".
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5. George shows you a transfer summary, where you can make changes or add optional details.
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6. Double-check the transfer details and sign as usual.
1. Click "New Transfer" under the account you want to send money from, or go to your account and click the "New Order" button.Â
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2. Enter a recipient name or choose a contact from your Address Book by clicking the icon. George also remembers previous transfers and will suggest contacts as you type.
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A name can contain up to 70 characters (0-9 A-Z a-z öäüÖÄÜß ().,/+<>?;"={}:_%*#§|\$).Â
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3. Enter an IBAN. If you picked an Address Book contact, a transfer template, or an autocomplete suggestion, George does this for you.
He also recognises IBAN type and picks the right transfer method for you:
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4. Choose an amount. George shows how much you would have left if you make the transfer.Â
You can also select a transfer currency. If you select a non-EUR currency, George automatically goes on with an international transfer (non-SEPA).
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After you enter an IBAN, recipient name of the recipient and transfer amount, you're ready to sign your transfer. However, you can also add optional details, as listed below.
Before you actually sign your transfer with your valid signing method, George will show you a summary.
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Author: Samira El-Shamy