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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.
Experience real‑time payments without delays. Designed for personal transfers, urgent business needs, and everyday purchases, our instant payments solution delivers immediate settlement with seamless efficiency — enabling faster, more efficient payment flows.
Solutions
Invoice Collections
Marketplace & Platform Disbursements
Smart Collections with Virtual Accounts
ISO 20022 & Compliance Readiness
Connectivity & ERP Integration Accelerators
Insights & Reconciliation Reporting
Insights
SEPA Instant Payment Regulation/VoP SEPA Instant Payments Regulation and Verification of Payee
As part of the EU Instant Payments Regulation requirements, Verification of Payee (VoP) within the eurozone became mandatory in October 2025. To help you navigate we welcome you to our VoP knowledge repository, which provides key information and guidelines on this key 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 How fast are instant payments processed?
Instant payments can typically be completed in as fast as 10 seconds including nights, weekends, and holidays.
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 a 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 example, 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 and 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.