{"id":34338,"date":"2022-08-23T17:57:41","date_gmt":"2022-08-23T15:57:41","guid":{"rendered":"https:\/\/www.investglass.com\/?p=34338"},"modified":"2025-03-24T05:18:23","modified_gmt":"2025-03-24T04:18:23","slug":"jak-dzialaja-przelewy-sepa","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/pl\/how-do-sepa-transfers-work\/","title":{"rendered":"Jak dzia\u0142aj\u0105 przelewy SEPA?"},"content":{"rendered":"<h2 class=\"wp-block-heading\" id=\"h-how-do-sepa-transfers-work\">Jak dzia\u0142aj\u0105 przelewy SEPA?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jednolity obszar p\u0142atno\u015bci w euro (SEPA) umo\u017cliwia p\u0142ynne przelewy bankowe denominowane w euro w uczestnicz\u0105cych krajach, upraszczaj\u0105c transakcje transgraniczne. Od 2025 r. SEPA obejmuje nast\u0119puj\u0105ce kraje\u00a0<strong><a href=\"https:\/\/www.ecb.europa.eu\/press\/stats\/paysec\/html\/ecb.pis2021~956efe1ee6.en.html\">40 kraj\u00f3w<\/a><\/strong>, w tym wszystkie\u00a0<strong>27 pa\u0144stw cz\u0142onkowskich Unii Europejskiej (UE)<\/strong>, kraju Stowarzyszenia Wolnego Handlu (EFTA), cztery kraje <strong>Islandia<\/strong>,\u00a0<strong>Liechtenstein<\/strong>,\u00a0<strong>Norwegia<\/strong>, oraz\u00a0<strong>Szwajcaria<\/strong> oraz\u00a0<strong>Wielka Brytania<\/strong>. Dodatkowo, mikrostany takie jak\u00a0<strong>Andora<\/strong>,\u00a0<strong>Monako<\/strong>,\u00a0<strong>San Marino<\/strong>, oraz\u00a0<strong>Watykan<\/strong>\u00a0uczestnicz\u0105 w SEPA. Ponadto kraje b\u0119d\u0105ce w trakcie procesu przyst\u0105pienia do UE, w tym\u00a0<strong>Albania<\/strong>,\u00a0<strong>Mo\u0142dawia<\/strong>,\u00a0<strong>Czarnog\u00f3ra<\/strong>, oraz\u00a0<strong>Macedonia P\u00f3\u0142nocna<\/strong>, do\u0142\u0105czy\u0142y r\u00f3wnie\u017c do SEPA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To szerokie uczestnictwo zapewnia, \u017ce ponad&nbsp;<strong>500 milion\u00f3w ludzi<\/strong>&nbsp;mog\u0105 wysy\u0142a\u0107 i otrzymywa\u0107 p\u0142atno\u015bci na jednolitych warunkach, niezale\u017cnie od ich lokalizacji w strefie SEPA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zwykle przelew natychmiastowy jest ograniczony do 100 000 euro, ale w praktyce maksymalna kwota przelewu natychmiastowego zale\u017cy od banku lub instytucji finansowych oferuj\u0105cych t\u0119 opcj\u0119! Banki nie mog\u0105 dokonywa\u0107 potr\u0105ce\u0144 z przelewanej kwoty, ale mog\u0105 pobiera\u0107 op\u0142aty za przelew tylko wtedy, gdy s\u0105 one naliczane jednolicie dla wszystkich cz\u0142onk\u00f3w Europejskiego Obszaru Gospodarczego (EOG).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SEPA powinien by\u0107 dost\u0119pny 24\/7 i zajmuje mniej ni\u017c 15 sekund - bezpo\u015brednie przekierowanie. Termin na zakwestionowanie przelewu natychmiastowego wynosi 13 miesi\u0119cy. W przeciwnym razie przelew nie mo\u017ce zosta\u0107 zakwestionowany. Przelew wymaga dobrowolnego dzia\u0142ania posiadacza rachunku i zatwierdzenia transakcji, przy za\u0142o\u017ceniu zgody posiadacza na wykonanie przelewu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0142atno\u015bci cykliczne za po\u015brednictwem SEPA mog\u0105 poprawi\u0107 przep\u0142yw got\u00f3wki, a tak\u017ce zmniejszy\u0107 liczb\u0119 nieudanych i op\u00f3\u017anionych p\u0142atno\u015bci. Ustawiaj\u0105c regularne p\u0142atno\u015bci, mo\u017cesz zapewni\u0107, \u017ce pieni\u0105dze s\u0105 automatycznie przelewane z jednego konta na drugie. Mo\u017ce to pom\u00f3c unikn\u0105\u0107 op\u0142at za op\u00f3\u017anienia w p\u0142atno\u015bciach i zapewni\u0107 sta\u0142y przep\u0142yw got\u00f3wki. Ponadto korzystanie z SEPA do p\u0142atno\u015bci cyklicznych mo\u017ce pom\u00f3c zmniejszy\u0107 ryzyko nieudanych p\u0142atno\u015bci. Je\u015bli p\u0142atno\u015b\u0107 si\u0119 nie powiedzie, cz\u0119sto trudno jest wy\u015bledzi\u0107 osob\u0119 lub firm\u0119, kt\u00f3ra jest ci winna pieni\u0105dze. Jednak dzi\u0119ki SEPA p\u0142atno\u015bci s\u0105 przekazywane automatycznie, wi\u0119c istnieje mniejsze prawdopodobie\u0144stwo ich niepowodzenia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-sepa-transfers-sepa-payments-sepa-credit-transfers-sepa-instant-credit-transfer-sepa-direct-debit\">Czym s\u0105 przelewy SEPA, p\u0142atno\u015bci SEPA, polecenia przelewu SEPA, natychmiastowe polecenie przelewu SEPA, polecenie zap\u0142aty SEPA?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">SEPA (Single Euro Payments Area) to system p\u0142atno\u015bci, kt\u00f3ry umo\u017cliwia klientom bank\u00f3w przesy\u0142anie pieni\u0119dzy mi\u0119dzy rachunkami w r\u00f3\u017cnych krajach. System s\u0142u\u017cy do dokonywania p\u0142atno\u015bci w euro i jest dost\u0119pny dla wszystkich klient\u00f3w bank\u00f3w w Unii Europejskiej.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Przelewy SEPA to szybki i skuteczny spos\u00f3b wysy\u0142ania pieni\u0119dzy w ca\u0142ej Europie, dost\u0119pny dla klient\u00f3w bank\u00f3w we wszystkich krajach UE. Wi\u0119kszo\u015b\u0107 bank\u00f3w oferuje przelewy SEPA w ramach swoich us\u0142ug bankowo\u015bci internetowej, a transakcje mo\u017cna zrealizowa\u0107 za pomoc\u0105 zaledwie kilku klikni\u0119\u0107. Op\u0142aty za przelewy SEPA r\u00f3\u017cni\u0105 si\u0119 w zale\u017cno\u015bci od banku i kraju, ale zazwyczaj s\u0105 znacznie ni\u017csze ni\u017c op\u0142aty pobierane za mi\u0119dzynarodowe przelewy bankowe.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/hnprwoh2z8u-1024x683.jpg\" alt=\"osoba trzymaj\u0105ca czarno-bia\u0142e urz\u0105dzenie elektroniczne\" class=\"wp-image-34340\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/hnprwoh2z8u-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/hnprwoh2z8u-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/hnprwoh2z8u-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/hnprwoh2z8u-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/hnprwoh2z8u.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Maksymalny limit przelewu SEPA r\u00f3\u017cni si\u0119 w zale\u017cno\u015bci od zaanga\u017cowanego banku lub instytucji, ale zazwyczaj wynosi 100 000 euro (LIMIT PRZELEWU SEPA). Niekt\u00f3re banki mog\u0105 oferowa\u0107 wy\u017csze lub ni\u017csze limity przelew\u00f3w, dlatego wa\u017cne jest, aby przed dokonaniem przelewu skontaktowa\u0107 si\u0119 z konkretnym bankiem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0142atno\u015bci krajowe to wszelkie p\u0142atno\u015bci dokonywane w obr\u0119bie jednego kraju. Obejmuje to p\u0142atno\u015bci mi\u0119dzy rachunkami bankowymi, a tak\u017ce p\u0142atno\u015bci za towary i us\u0142ugi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0142atno\u015bci krajowe s\u0105 zazwyczaj przetwarzane szybciej ni\u017c p\u0142atno\u015bci mi\u0119dzynarodowe i zazwyczaj wi\u0105\u017c\u0105 si\u0119 z ni\u017cszymi op\u0142atami. Jednak maksymalna kwota, jak\u0105 mo\u017cna przela\u0107, jest zazwyczaj ni\u017csza ni\u017c w przypadku p\u0142atno\u015bci mi\u0119dzynarodowych.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0142atno\u015b\u0107 natychmiastowa to rodzaj p\u0142atno\u015bci, kt\u00f3ra jest przetwarzana natychmiast i zazwyczaj wi\u0105\u017ce si\u0119 z ni\u017csz\u0105 op\u0142at\u0105 ni\u017c inne rodzaje p\u0142atno\u015bci. Przelewy SEPA s\u0105 rodzajem p\u0142atno\u015bci natychmiastowych i s\u0105 dost\u0119pne dla klient\u00f3w bank\u00f3w we wszystkich krajach UE.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"599\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1024x599.jpg\" alt=\"flaga z niebiesk\u0105 i \u017c\u00f3\u0142t\u0105 gwiazd\u0105\" class=\"wp-image-34339\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1024x599.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-300x176.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-768x449.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1536x899.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">BIC (Business Identifier Code) to unikalny kod identyfikuj\u0105cy konkretn\u0105 firm\u0119 lub instytucj\u0119 finansow\u0105. BIC jest u\u017cywany do dokonywania p\u0142atno\u015bci mi\u0119dzynarodowych i cz\u0119sto jest wymagany przy dokonywaniu przelew\u00f3w mi\u0119dzy kontami bankowymi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niekt\u00f3re banki mog\u0105 zapewni\u0107 swoim klientom kod BIC, podczas gdy inne mog\u0105 wymaga\u0107 uzyskania kodu od banku odbieraj\u0105cego p\u0142atno\u015b\u0107. Wa\u017cne jest, aby upewni\u0107 si\u0119, \u017ce posiadasz prawid\u0142owy kod BIC przed dokonaniem p\u0142atno\u015bci, poniewa\u017c nieprawid\u0142owe kody mog\u0105 skutkowa\u0107 nieudanymi transakcjami.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-instant-sepa-transfers-sct-inst\">Czym s\u0105 natychmiastowe przelewy SEPA (SCT Inst)?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Natychmiastowe przelewy SEPA, znane r\u00f3wnie\u017c jako SCT Inst, to nowy system p\u0142atno\u015bci, kt\u00f3ry umo\u017cliwia klientom bank\u00f3w przelewanie pieni\u0119dzy mi\u0119dzy kontami w r\u00f3\u017cnych krajach w zaledwie kilka sekund. System s\u0142u\u017cy do dokonywania p\u0142atno\u015bci w euro i jest dost\u0119pny dla wszystkich klient\u00f3w bank\u00f3w w Unii Europejskiej.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SCT Inst oferuje szybki i skuteczny spos\u00f3b wysy\u0142ania pieni\u0119dzy w ca\u0142ej Europie i jest dost\u0119pny dla klient\u00f3w bank\u00f3w we wszystkich krajach UE. Wi\u0119kszo\u015b\u0107 bank\u00f3w oferuje SCT Inst w ramach swoich us\u0142ug bankowo\u015bci internetowej, a transakcje mog\u0105 zosta\u0107 zrealizowane w zaledwie kilka sekund. Op\u0142aty za przelewy SCT Inst r\u00f3\u017cni\u0105 si\u0119 w zale\u017cno\u015bci od banku i kraju, ale zazwyczaj s\u0105 znacznie ni\u017csze ni\u017c op\u0142aty pobierane za mi\u0119dzynarodowe przelewy bankowe.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/ksgjx0tyucy-1024x683.jpg\" alt=\"\" class=\"wp-image-34341\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/ksgjx0tyucy-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/ksgjx0tyucy-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/ksgjx0tyucy-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/ksgjx0tyucy-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/ksgjx0tyucy.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-a-sepa-credit-transfer\">Czym jest polecenie przelewu SEPA?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Musisz wys\u0142a\u0107 pieni\u0105dze znajomemu lub cz\u0142onkowi rodziny w innym kraju, ale nie chcesz p\u0142aci\u0107 wysokich op\u0142at zwi\u0105zanych z mi\u0119dzynarodowymi przelewami bankowymi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tradycyjny bank <a href=\"https:\/\/www.investglass.com\/pl\/wplyw-ai-na-polityke-pieniezna-bankow-centralnych-i-procesy-decyzyjne\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2043\">transfery<\/a> s\u0105 powolne i kosztowne, a ich przetwarzanie mo\u017ce trwa\u0107 nawet tydzie\u0144.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Przelewy SEPA to szybki i skuteczny spos\u00f3b przesy\u0142ania pieni\u0119dzy w ca\u0142ej Europie. System ten s\u0142u\u017cy do dokonywania p\u0142atno\u015bci w euro i jest dost\u0119pny dla wszystkich klient\u00f3w bank\u00f3w w Unii Europejskiej.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Wi\u0119kszo\u015b\u0107 bank\u00f3w oferuje przelewy SEPA w ramach swoich us\u0142ug bankowo\u015bci internetowej, a transakcje mo\u017cna zrealizowa\u0107 za pomoc\u0105 zaledwie kilku klikni\u0119\u0107. Op\u0142aty za przelewy SEPA r\u00f3\u017cni\u0105 si\u0119 w zale\u017cno\u015bci od banku i kraju, ale zazwyczaj s\u0105 znacznie ni\u017csze ni\u017c op\u0142aty pobierane za mi\u0119dzynarodowe przelewy bankowe.<\/p>","protected":false},"excerpt":{"rendered":"<p>How do SEPA transfers work? The Single Euro Payments Area (SEPA) enables seamless euro-denominated bank transfers across participating countries, simplifying cross-border transactions.\u00a0As of 2025, SEPA encompasses\u00a040 countries, including all\u00a027 European Union (EU) member states, the four European Free Trade Association (EFTA) countries Iceland,\u00a0Liechtenstein,\u00a0Norway, and\u00a0Switzerland as well as the\u00a0United Kingdom.\u00a0Additionally, microstates such as\u00a0Andorra,\u00a0Monaco,\u00a0San Marino, and\u00a0Vatican City\u00a0participate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":34340,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[268],"class_list":["post-34338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-sepa-transfers"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How do SEPA transfers work? | InvestGlass<\/title>\n<meta name=\"description\" content=\"Learn how SEPA transfers work, how long they take, fees involved, and why they\u2019re essential for Eurozone payments.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/pl\/jak-dzialaja-przelewy-sepa\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How do SEPA transfers work?\" \/>\n<meta property=\"og:description\" content=\"How do SEPA transfers work? The Single Euro Payments Area (SEPA) enables seamless euro-denominated bank transfers across participating countries,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/pl\/jak-dzialaja-przelewy-sepa\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-23T15:57:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-24T04:18:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/hnprwoh2z8u.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1067\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"InvestGlass\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@investglass\" \/>\n<meta name=\"twitter:site\" content=\"@investglass\" \/>\n<meta name=\"twitter:label1\" content=\"Napisane przez\" \/>\n\t<meta name=\"twitter:data1\" content=\"InvestGlass\" \/>\n\t<meta name=\"twitter:label2\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Jak dzia\u0142aj\u0105 przelewy SEPA? | InvestGlass","description":"Dowiedz si\u0119, jak dzia\u0142aj\u0105 przelewy SEPA, jak d\u0142ugo trwaj\u0105, z jakimi op\u0142atami si\u0119 wi\u0105\u017c\u0105 i dlaczego s\u0105 niezb\u0119dne dla p\u0142atno\u015bci w strefie euro.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.investglass.com\/pl\/jak-dzialaja-przelewy-sepa\/","og_locale":"pl_PL","og_type":"article","og_title":"How do SEPA transfers work?","og_description":"How do SEPA transfers work? 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