Revolut SEPA payment from the Czech Republic: Fees, transfer duration, and instructions

Need to send EUR from Czechia to Europe? A Revolut SEPA payment might be the way to go. Today, you'll find out what fees to expect with Revolut transfers and what exchange rate Revolut uses. You'll also learn the exact steps to follow when sending a payment.

We're also introducing the Wise account which allows you to have local account details in 9+ currencies, including EUR, USD, and GBP — all in one place. You can convert your money at the mid-market rate, and we'll show you the fees upfront.

Here's a basic comparison of Revolut and Wise.

Learn more about the
Wise account 🔎

Revolut SEPA payments – cost

First, let's clarify what the term SEPA payment means. It refers to international transfers within the European Economic Area. The goal is to enable easy and inexpensive EUR transactions throughout the region. This is why payments are fast and almost free with most banks.

How much does a Revolut SEPA payment cost? Nothing.² Revolut has followed the same path as most banks and offers SEPA payments for free across all its plans. However, the Revolut EUR exchange rate still plays a role in the final price. You'll learn more about that later in this article.

SWIFT payments abroad with Revolut

With Revolut, fees come into play only when you want to send money in a currency other than EUR or to a destination outside of Europe. The cost is variable and calculated as a percentage of the transferred amount. You can find the individual percentage rates in the table; they vary depending on the destination currency.

If you intend to transfer EUR but the destination country is not included in the SEPA zone, you will pay a fixed fee of 100 CZK. The same applies to pounds, dollars, and Swiss francs sent to a country that does not have them as its primary currency.⁴

Revolut account types

The cost of your Revolut SEPA payment also depends on your plan. Revolut distinguishes between five subscription types:

• Standard
• Plus
• Premium
• Metal
• Ultra

They differ in price and services. Standard is free; the other subscription types will cost you. Find out more about the differences in this table:

If you are primarily concerned with SEPA payments, note the line for the percentage fee for currency exchange. In the Standard and Plus plans, Revolut specifies a limit (25,000 and 75,000 CZK) within which you can exchange to another currency monthly without a fee. After that, prepare for a payment of 0.5–1% of the amount. Since SEPA payments are made in EUR and require a conversion from CZK, this also applies to them.

Revolut exchange rate – how does it work?

Revolut sets its own exchange rate. Its advantage is that it's close to the mid-market rate, which is the pure rate determined by the market. Other banks typically add a 2–4% markup to profit from the exchange. Revolut either adds no markup or a very small one. Wise uses the mid-market rate entirely without markups.

In certain situations, Revolut charges an additional markup to its exchange rate. This primarily occurs on weekends when the market is closed. Revolut uses this to hedge against currency fluctuations. For example, with the Standard plan, you will pay a 1% fee on weekends.²

Save on international payments with Wise

You can open a Wise account completely free of charge and get the mid-market rate without markups. How can Wise afford this? It's simple!

Wise has accounts in local currencies in most countries. When you send a SEPA payment from your Czech account to Austria, your CZK money is first converted to a Wise account in the Czech Republic. At the same time, an equivalent amount in EUR is debited from Wise's EUR account in Austria and sent to the recipient's account. This way, Wise successfully avoids any markups. You only pay a fair fee for the transfer, which you can calculate in advance. Even before registering. For example, right here.

Open your Wise account for free, quickly and easily. All you'll need is your ID and a mobile device – there's no need to visit a bank office.

With the Wise Account you can:

• Hold 40+ currencies and convert between them at the mid-market rate. We will show our conversion fees upfront
• Get local account details in up to 9 currencies, including EUR, GBP, and USD
• Receive balance cashback on EUR, GBP and USD held in your account
• Order a Wise debit card which you can use with our Smart Conversion technology
• Set up Auto Conversions based on your desired rate in the Wise app or use our Wise Rate Tracker to request exchange rate notifications directly to your email
• Create Wise virtual cards, and save on online shopping
• Get instant notifications of all your transactions via the Wise app. If you lose your card, you can easily cancel it in the app to keep your money safe

Open your Wise account
for free 🚀

Revolut SEPA payment: How long does it take?

A Revolut SEPA payment should arrive in the recipient's account within a few minutes. Payments to other countries can take either a few minutes or 3–5 days, depending on where exactly and in what currency you are sending the payment.⁹

With Wise, payments are also lightning-fast, and you can see the estimated delivery time as soon as you initiate the transfer. You can then track the payment's progress directly in the app.

How to send a Revolut SEPA payment?

1. Log in to your Revolut account.
2. Click on the "Payments" button.
3. Click on the plus icon. You'll find it in the top right corner.
4. Select "Bank" and then "International".
5. If you are sending money to someone you haven't sent money to before, you'll need to add the new recipient's details – their account number in the IBAN format, their country, and their bank's registered address.
6. Select the currency in which the transaction will be made.
7. Double-check that everything is filled in correctly.
8. Confirm. The payment is being processed. ¹⁰

Now you know how Revolut SEPA payments work and how to send one. You can get started. Or try Wise.

Sources:

Sources checked on 26 February 2026.