Tool
SEPA Fee Calculator
Estimate your monthly SEPA transfer costs at Demivolt and compare them with an illustrative business banking rate. Free to use, no signup required.
Demivolt · Pricing Calculator
How much will your transfers cost?
See your monthly bill at Demivolt — and how it compares to a traditional bank.
Your monthly transfers
Demivolt
€20.00
per month
Typical bank
€75.00
per month (est.)
Monthly savings
€55.00
switching to Demivolt
Per year
€660
Demivolt fees are based on published pricing. The bank comparison is an illustrative estimate using €1.50 per outgoing SEPA transfer. Actual savings may vary depending on your country, bank, account plan, transfer volume and agreed pricing.
How we calculate
Demivolt: €0.40 per outgoing SEPA transfer. This is Demivolt's published rate for eligible business accounts. Incoming SEPA transfers and internal transfers between Demivolt accounts are free, so they do not appear in the cost calculation.
Who this pricing applies to. The €0.40 rate applies to Lithuania-based low-risk companies. Pricing for other jurisdictions, business models or higher-risk profiles is set on a case-by-case basis.
Illustrative bank rate: €1.50 per outgoing SEPA transfer. The calculator uses this rate to provide a simple comparison with Demivolt. Your actual bank rate may be higher or lower depending on your country, account plan, payment volume and any negotiated terms.
How savings are calculated: the difference between the illustrative bank rate and the Demivolt rate, multiplied by your monthly outgoing SEPA transfer volume. The monthly estimate is then projected over twelve months for the annual figure.
When this calculator helps
SEPA transfer fees can look small one by one, but they add up quickly when your business sends payments regularly. This calculator helps finance teams, founders and operators estimate the monthly and yearly impact of outgoing SEPA transfer fees. It can be useful if your business pays suppliers, sends refunds, manages payroll, funds accounts or makes regular euro payments across Europe.
FAQ
Answers before you calculate
The SEPA Fee Calculator estimates the monthly cost of outgoing SEPA transfers using Demivolt's published SEPA Out rate.
It also compares that estimate with an illustrative business banking rate, so you can see how transfer costs may differ monthly and yearly.
No. Incoming SEPA transfers are free under the pricing shown, so they do not increase the estimated monthly cost.
The calculator focuses on outgoing SEPA transfers because these are usually where per-transfer costs add up for businesses.
No. Internal transfers between Demivolt accounts are free under the pricing shown.
That means they are not included in the monthly cost calculation.
The €0.40 outgoing SEPA transfer rate applies to Lithuania-based low-risk companies.
Pricing for other jurisdictions, business activities or higher-risk profiles may be reviewed separately and set on a case-by-case basis.
No. The bank comparison is an estimate, not a quote from a specific bank.
The calculator uses €1.50 per outgoing SEPA transfer as an illustrative comparison rate. Your actual bank fees may be higher or lower depending on your bank, country, account type, payment volume and agreed terms.
The calculator compares outgoing SEPA transfer fees based on the number of transfers you enter. It does not automatically include account plans, subscription fees or other banking charges.
Your total cost may therefore differ depending on your account setup, additional services and any pricing agreed with Demivolt or your current provider.
Yes. For business accounts with significant transfer volume, custom pricing is available.
Contact info@demivolt.com to discuss your case and expected monthly volumes.
Need a business payment account for SEPA payments?
Demivolt provides regulated business payment accounts, dedicated IBANs, SEPA payments, T2-supported euro payment infrastructure and SWIFT-supported international routes for companies that need a licensed financial partner.