---
title: "Transfers"
slug: "transfers-09012026-1"
updated: 2026-06-04T06:47:54Z
published: 2026-06-04T06:47:54Z
canonical: "www.documentation.paynetics.digital/transfers-09012026-1"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://www.documentation.paynetics.digital/llms.txt
> Use this file to discover all available pages before exploring further.

# Transfers

The Paynetics platform provides access to multiple payment networks, covering all major currencies and selected local ones. Transfers can be internal (between Paynetics accounts) or external (inbound and outbound via payment schemes).

| **Type** | **Currencies** | **Description** |
| --- | --- | --- |
| Internal | EUR, BGN, GBP, USD | Between accounts within the Paynetics system, using balance token, IBAN, or account number as identifiers. Executed in real time. |
| Inbound | EUR, BGN, GBP, USD* | From an external account into a Paynetics account. Supported via SEPA / SEPA Instant (EUR), Faster Payments / CHAPS (GBP), BISERA (BGN), and SWIFT (USD). **USD inbound is supported for Business accounts only. Consumer USD accounts cannot receive dedicated IBAN inbound transfers.* |
| Outbound | EUR, BGN, GBP | From a Paynetics account with a dedicated IBAN or account number to an external account. Supported via SEPA / SEPA Instant (EUR), Faster Payments (GBP), and BISERA (BGN). Transfers must be sent in the currency of the source account. |

## In This Section

- [Transfer Types and Currencies](/docs/to-publish-transfer-types-and-currencies) — full breakdown of supported currencies and transfer identifiers
- [SEPA Transfers and Payments](/docs/to-publish-sepa-transfers-and-payments) — EUR payment rails, cut-off times, and SEPA Instant fallback
- [Faster Payments (UK)](/docs/to-publish-faster-payments-uk) — GBP real-time payments and Confirmation of Payee requirements
- [SEPA Direct Debit](/docs/planned-sepa-direct-debit) — EUR direct debit collection
- [Transfer Statuses](/docs/to-publish-transfer-statuses) — Pending, Sent, Returned, Rejected, Cancelled

For step-by-step integration guides, see [Send a Wire Transfer](/docs/send-a-wire-transfer), [Receive a Wire Transfer](/docs/receive-a-wire-transfer), and [Work with Suspense Queue](/docs/suspense-queue-integration-guide) in the How-To Guides section.