-
Instant payments
Welcome to the future of financial transactions!
Our Instant Payments platform empowers you to send and receive money in real-time, 24/7, with unparalleled speed and security.
Say goodbye to waiting days for funds to clear. Whether it is for personal transfers, urgent business payments, or everyday purchases, experience the immediate satisfaction and seamless efficiency of instant payments. Explore how we are revolutionizing the way you manage your money instantly.
Insights
SEPA Instant Payment Regulation/VoP SEPA Instant Payment Regulation and Verification of Payee
As part of the upcoming Instant Payments Regulation requirements, Verification of Payee (VoP) within the EU/EEA has become mandatory in October 2025. To help you navigate we welcome you to our VoP knowledge repository, which provides key information and guidelines on this upcoming change to SEPA payments.
FAQs
Show content of What are instant payments?
Instant payments are electronic transfers that move money from one account to another within seconds, available 24/7/365.
Show content of Are instant payments secure?
Yes. They use the same security standards as traditional bank transfers, including authentication, encryption, fraud monitoring and sanctions checks.
Show content of What types of transactions support instant payments?
They can be used for person‑to‑person, business‑to‑business, merchant payments, and bill payments, with Deutsche Bank providing channel fit for your use case.
Show content of Is there a limit on how much I can send?
Instant Payment limits vary by region and payment scheme type (e.g., TIPS, UK FPS).
Show content of Can instant payments be reversed?
Not usually. Once the money is transferred, it reaches the recipient instantly, so reversals require a formal recall process.
Show content of Are instant payments more expensive than regular transfers?
Instant Payment fees depend on the region, however there is a global shift towards making instant payments cheaper and affordable. For eg, SEPA Instant Payments are no longer any more expensive than regular transfers.
Show content of Can I schedule instant payments for the future?
Instant Payments are typically designed for instant any immediate settlements however in certain cases, scheduled transfers can be set up.
Show content of Do instant payments work internationally?
Only within countries or regions where banks support interoperable instant payment schemes (e.g., SEPA Instant in Europe). Cross‑border support is still evolving.
Show content of What happens if the recipient’s bank doesn’t support instant payments?
The transaction is usually declined, however in certain use cases, Deutsche Bank offers the possibility to reroute a payment as a standard credit transfer.