A SEPA payment is a payment in EUR to a bank within the European Economic Area, and is sent to an IBAN. IBAN is an internationally recognised account number system which precisely identifies the recipient’s account. The length of an IBAN account number is different in every country. Estonian IBAN numbers are 20 characters long and begin with EE To ensure that the payment is made correctly, beneficiary’s IBAN will be validated automatically.
To make a SEPA payment, after opening the app,
you will be asked to log in with your authorisation device.
After you log in successfully, you will automatically view a screen which shows your account balances.
To access the screen from which you can make a SEPA payment, you must select Pay at the bottom of the screen. At the bottom of the screen, on the right, you will find a red icon which opens a screen when you click on it. Here, you can make a new payment.
You must complete all the requested fields to make the payment. Some fields have inbuilt control mechanisms, with incorrect details triggering a warning. In this case, check the information and make any corrections. After you enter the payment information, you have to sign and complete the payment. Click “Next” and confirm the payment with your authorisation tool.
Bear in mind that the limit for one payment in the app is 10 000 EUR, and if possible, the payment will be made as an instant payment (if the beneficiary Bank accepts instant payments).
You will have to sign the payment using a code from your authorisation device (for example, signing the payment with your MobileSCAN PIN).
On this screen, you can check whether the payment has been submitted to the Bank.
