SEPA transfers typically take one business day to complete for standard SEPA Credit Transfers (SCT). This timeframe applies to transfers made between banks within the SEPA zone. For SEPA Instant Credit Transfers (SCT Inst), the transfer can be completed in seconds and is available 24/7. However, processing SEPA Direct Debits (SDD) may take up to two business days. Factors like weekends, public holidays, or the bank’s internal processing time could cause slight delays.