Tool
SEPA Fee Calculator
Estimate your monthly SEPA transfer costs at Demivolt and see how it compares to a typical European bank. Free, no signup.
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 as published. Typical bank estimate based on average European business banking rates (€1.00–€1.50 per SEPA Out). Actual savings will vary.
How we calculate
Demivolt: €0.40 per outgoing SEPA transfer.This is Demivolt's published rate for business accounts. Incoming SEPA transfers and internal transfers between Demivolt accounts are free, so they don't 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 or higher-risk profiles is set on a case-by-case basis.
Bank average: €1.00–€1.50 per outgoing SEPA transfer. European business banking rates for outgoing SEPA transfers typically fall in this range. The comparison uses the midpoint (€1.50) — your actual bank rate may be higher or lower depending on your country, account tier, and any negotiated terms.
The savings figure is simply (bank rate − Demivolt rate) × monthly outgoing SEPA volume, projected over twelve months for the annual figure.
When this calculator helps
Most finance teams underestimate what per-transfer SEPA fees add up to over a year, because each individual fee is small. The calculator turns the back-of-the-envelope arithmetic into something concrete you can drop into a procurement deck or a switching decision. If your business runs payroll, pays suppliers across the EU, or handles refunds in volume, the gap between €0.40 and €1.50 per transfer compounds quickly.
FAQ