ADVERT

📊 Regulatory Limit & Fee Calculator

Estimate per-transaction limits and bank fees across SEPA Instant, Faster Payments, FedNow, and Same Day ACH. Model volume caps and blended rates before launching new payout flows.

Regulatory Limit & Fee Calculator

Model instant-transfer and clearing-network limits while estimating bank fees. Compare SEPA Instant, Faster Payments, FedNow, and Same Day ACH to decide the cheapest rails for your payout or treasury run.

Payment network

European instant credit transfers across the SEPA Instant scheme.

Transfer amount (EUR)

Transactions this month

Limit checks

Per-transfer limit€100,000.00 max

Monthly advisory cap€1,000,000.00 guidance

SettlementReal-time (<10 seconds)

Within per-transfer limitAmount is under the scheme ceiling.
Monthly volume okProjected €120,000.00 stays within the guidance threshold.

Fee outlook

Estimated fee per transfer€5.20

Projected monthly fees€62.40

Blended fee rate0.05%

Fees are indicative averages—confirm your bank's pricing schedule before quoting a customer or setting contract rates.

How to use this tool

Select the network you plan to use for payouts.
Enter the expected transfer size and monthly transaction count.
Review limit flags and fee projections to choose the optimal rail or split volume across networks.

Benchmark assumptions

Per-transfer limits come from 2024 scheme rulebooks for SEPA Instant, FPS, FedNow, and Same Day ACH.
Per-transaction fees blend typical bank markups plus scheme levies.
Monthly advisory caps highlight when to negotiate bespoke limits with your bank.

How teams use this

Treasury forecasts the incremental cost of shifting payouts from ACH to instant rails.
Product teams size transaction limits before launching new payment features.
Finance models gross-margin impact when FX or corridor pricing changes.

FAQ

Can I customise fees for my bank?: Yes. Duplicate this component and replace the fee assumptions with your negotiated schedule or per-tier pricing.
Do these limits include regulatory exemptions?: No. Some banks can approve higher ceilings after enhanced due diligence. Use the flags here as baseline guidance.
How should I treat FX costs?: Add FX spreads on top of the projected fees when the payment currency differs from the network currency.

ADVERT

More like this

Validate IBANs with live checksum (MOD 97) and formatting. Generate checksum-valid sample IBANs by country, copy or format in groups of 4.

Check, validate, and parse SWIFT/BIC codes. Instantly see bank code, country, location, and branch information. Ensure codes follow ISO 9362 format for international payments.

Look up the institution behind a SWIFT/BIC code with sample metadata. Validate ISO 9362 structure, view bank names, head offices, and common branch identifiers before wiring funds.

Decode IBANs by country to expose bank codes, branch identifiers, and account numbers. Validate MOD 97-10 checksums and link directly to national bank directories for enrichment.

Generate Visa, Mastercard, AMEX, Discover, JCB, and Maestro test card numbers with valid prefixes and Luhn checksums.

Validate credit card numbers instantly using the Luhn checksum. Detect card issuer (Visa, MasterCard, AMEX, Discover) and format in groups of 4 for readability.

Generate dummy bank account data for Germany, the Netherlands, Spain, the UK, and the US with real checksum rules applied.

Validate US bank routing numbers (ABA numbers) instantly. Check digit length, verify checksum, and detect common errors.

ADVERT