How much do SEPA transfers cost on Juuli? (Freemium / Pro / Max)
Your SEPA transfer fees depend on your plan. SEPA transfers move euro between IBAN-based payment accounts; outgoing SEPA can currently be sent only to the 20 eurozone countries. Below is exactly what you pay to receive (incoming) and to send (outgoing) on each plan.
SEPA fees by plan
| Freemium | Pro | Max | |
|---|---|---|---|
| Monthly plan price | €0 | €19 | €29 |
| SEPA incoming (receiving) | 0.50% | Free | Free |
| SEPA outgoing (sending) | 0.50% | First 10 / month free, then €2 each | First 30 / month free, then €0.50 each |
How each plan works
- Freemium (€0/month): A flat 0.50% applies to every SEPA transfer you receive and send. There's no monthly cost, so you only pay when money moves.
- Pro (€19/month): Incoming SEPA is always free. Your first 10 outgoing SEPA transfers each month are free, then each additional one is a flat €2.
- Max (€29/month): Incoming SEPA is always free. Your first 30 outgoing SEPA transfers each month are free, then each additional one is a flat €0.50.
The free outgoing allowance resets at the start of each calendar month.
Good to know
- There's no setup, activation, or joining fee on any plan — €0 to open your account.
- Transfers between two Juuli accounts settle instantly on our internal ledger, so they don't count against your SEPA rail fees.
- Sending outside the EEA or in a non-euro currency uses SWIFT, which is priced separately (SWIFT — from 1 September 2026).
- Juuli is a regulated platform, not a bank. Payment and e-money services are provided by Stripe Technology Europe, Limited, an Electronic Money Institution authorised by the Central Bank of Ireland (firm reference C187865).
⏳ SWIFT — from 1 September 2026 — international (SWIFT) transfers are not yet active; they are launching on 1 September 2026. For a SWIFT payment, please contact us at support@juuli.com.
Related: How much does a SWIFT transfer cost — and how long does it take?
Which plan is cheapest for me?
If you receive or send only occasionally, Freemium's pay-as-you-go 0.50% keeps things simple. If you send frequently, Pro or Max can cost less overall, since incoming is free and most outgoing transfers fall inside the monthly free allowance.
Related: Juuli Freemium vs Pro vs Max — which plan is worth it?
Still have questions? Email our support team at support@juuli.com — we're happy to help you pick the plan that fits how you move money.