UK IBAN without a UK address? Mind. Blown.

The UK payments sector is evolving faster than ever, as more consumers adopt digital and contactless payment methods. Below is just a preview but in the full video I touch on what’s driving the transformation, as well as challenges the sector is navigating. 👉 Watch the full video here: https://lnkd.in/ehZ-_G7x #Payments #Fintech #DigitalTransformation #Regulation #Innovation #FinancialServices Grant Thornton UK

European Corporate Payments: The SEPA Instant Payments Regulation Milestone 2025 marks a defining year for corporate payments in Europe. The SEPA Instant Payments Regulation is no longer a future aspiration — it is now becoming a day-to-day reality for banks, payment service providers, and, most importantly, corporate customers. From January 2025, all EU banks and PSPs must be able to receive instant payments, ensuring 24/7/365 accessibility. By October 2025, all must also be able to send instant payments, processing transactions in just 10 seconds. This shift represents more than compliance. It signals a fundamental transformation in how corporates manage liquidity, reconcile payments, and deliver value to their clients. Key takeaways: ✅ Always-on availability – real-time cash positioning and treasury management. ✅ Faster settlement cycles – improving working capital and supplier relationships. ✅ Stronger resilience and trust – backed by EU-level regulation. ✅ Opportunities for innovation – APIs, instant reconciliation, and new payment products. As 2025 unfolds, it is exciting to see Europe take this bold step toward a real-time economy. Corporate treasurers, fintechs, and banks will need to adapt quickly, but the long-term benefits for efficiency, transparency, and customer trust are immense. The journey to SEPA Instant Payments for all is not just about speed — it’s about creating a foundation for the future of European payments. #CorporatePayments #SEPA #InstantPayments #Europe2025 #Innovation

💶 𝐒𝐞𝐚𝐦𝐥𝐞𝐬𝐬 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐀𝐜𝐫𝐨𝐬𝐬 𝐄𝐮𝐫𝐨𝐩𝐞 🌍 From SEPA transfers to multi-currency IBANs — the European payment ecosystem continues to evolve. Businesses today need more than just an account; they need speed, compliance, and flexibility. ⚙️ Whether it’s connecting to brokers, PSPs, or iGaming brands — having the right EU payment setup changes everything. Smart routing. Instant settlement. Real-time control. 💡 The future of payments in the EU isn’t about who moves money… It’s about who 𝐦𝐨𝐯𝐞𝐬 𝐢𝐭 𝐬𝐦𝐚𝐫𝐭𝐞𝐫. #Payments #Fintech #SEPA #EMI #Europe #B2B

💡 𝗜𝗳 𝗪𝗲 𝗖𝗮𝗻 𝗦𝗲𝗻𝗱 𝗖𝗿𝗼𝘀𝘀-𝗕𝗼𝗿𝗱𝗲𝗿 𝗘𝗺𝗮𝗶𝗹𝘀 𝗶𝗻 𝗦𝗲𝗰𝗼𝗻𝗱𝘀, 𝗪𝗵𝘆 𝗡𝗼𝘁 𝗖𝗿𝗼𝘀𝘀-𝗕𝗼𝗿𝗱𝗲𝗿 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀? Thirty years ago, sending a message overseas was slow, costly, and complicated — long-distance calls, fax lines, and endless waiting. Then came 𝗲𝗺𝗮𝗶𝗹 — and communication became instant, borderless, and nearly free. But in 2025, moving money across countries still feels like it’s stuck in another century. A single transaction may cross 𝗺𝘂𝗹𝘁𝗶𝗽𝗹𝗲 𝗶𝗻𝘁𝗲𝗿𝗺𝗲𝗱𝗶𝗮𝗿𝗶𝗲𝘀, 𝗰𝘂𝗿𝗿𝗲𝗻𝗰𝗶𝗲𝘀, and 𝗰𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗿𝗲𝗴𝗶𝗺𝗲𝘀 — taking 𝗱𝗮𝘆𝘀, costing 𝘁𝗼𝗼 𝗺𝘂𝗰𝗵, and offering 𝗹𝗶𝘁𝘁𝗹𝗲 𝘁𝗿𝗮𝗻𝘀𝗽𝗮𝗿𝗲𝗻𝗰𝘆 along the way. Meanwhile, domestic payment systems have already evolved. Systems like 𝗨𝗣𝗜 (𝗜𝗻𝗱𝗶𝗮), 𝗣𝗶𝘅 (𝗕𝗿𝗮𝘇𝗶𝗹), 𝗙𝗲𝗱𝗡𝗼𝘄 (𝗨𝗦), 𝗙𝗣𝗦 (𝗨𝗞), 𝗦𝗘𝗣𝗔 𝗜𝗻𝘀𝘁𝗮𝗻𝘁 (𝗘𝗨), 𝗣𝗮𝘆𝗡𝗼𝘄 (𝗦𝗶𝗻𝗴𝗮𝗽𝗼𝗿𝗲) have proven that 𝗿𝗲𝗮𝗹-𝘁𝗶𝗺𝗲, 𝗹𝗼𝘄-𝗰𝗼𝘀𝘁, and 𝗿𝗲𝗹𝗶𝗮𝗯𝗹𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 are not just possible — they’re the new normal. 𝙎𝙤 𝙬𝙝𝙮 𝙘𝙖𝙣’𝙩 𝙩𝙝𝙚 𝙨𝙖𝙢𝙚 𝙝𝙖𝙥𝙥𝙚𝙣 𝙛𝙤𝙧 𝙘𝙧𝙤𝙨𝙨-𝙗𝙤𝙧𝙙𝙚𝙧 𝙥𝙖𝙮𝙢𝙚𝙣𝙩𝙨? 🌍 𝗧𝗵𝗲 𝗮𝗻𝘀𝘄𝗲𝗿 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝘆 𝗹𝗶𝗲𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗶𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝘁𝗵𝗮𝘁 𝘂𝗻𝗱𝗲𝗿𝗽𝗶𝗻𝘀 𝗴𝗹𝗼𝗯𝗮𝗹 𝗺𝗼𝗻𝗲𝘆 𝘁𝗿𝗮𝗻𝘀𝗳𝗲𝗿. Unlike communication networks that adopted a 𝘀𝗶𝗻𝗴𝗹𝗲 𝗴𝗹𝗼𝗯𝗮𝗹 𝗽𝗿𝗼𝘁𝗼𝗰𝗼𝗹 (TCP/IP), financial systems evolved 𝗶𝗻𝗱𝗲𝗽𝗲𝗻𝗱𝗲𝗻𝘁𝗹𝘆, 𝗰𝗼𝘂𝗻𝘁𝗿𝘆 𝗯𝘆 𝗰𝗼𝘂𝗻𝘁𝗿𝘆. Each market built its own payment architecture, compliance rules, and settlement standards — optimized for domestic efficiency, but rarely designed to work seamlessly across borders. While networks like SWIFT have standardized communication between banks, the underlying settlement remains fragmented — 𝗱𝗲𝗽𝗲𝗻𝗱𝗲𝗻𝘁 𝗼𝗻 𝗰𝗼𝗿𝗿𝗲𝘀𝗽𝗼𝗻𝗱𝗲𝗻𝘁 𝗯𝗮𝗻𝗸𝗶𝗻𝗴 𝗰𝗵𝗮𝗶𝗻𝘀, 𝗹𝗶𝗾𝘂𝗶𝗱𝗶𝘁𝘆 𝗯𝘂𝗳𝗳𝗲𝗿𝘀, 𝗮𝘀𝘆𝗻𝗰𝗵𝗿𝗼𝗻𝗼𝘂𝘀 𝗿𝗲𝗰𝗼𝗻𝗰𝗶𝗹𝗶𝗮𝘁𝗶𝗼𝗻𝘀, and 𝘁𝗶𝗺𝗲-𝘇𝗼𝗻𝗲 𝗰𝗼𝗻𝘀𝘁𝗿𝗮𝗶𝗻𝘁𝘀. In short, money still doesn’t move globally in real time. Yet, change is underway towards a world where money flows as freely as information. At 𝗖𝗿𝗼𝘀𝘀𝗿𝗮𝗶𝗹𝘀, we believe the next decade will redefine how money moves across borders — 𝙛𝙧𝙤𝙢 𝙤𝙥𝙖𝙦𝙪𝙚 𝙖𝙣𝙙 𝙙𝙚𝙡𝙖𝙮𝙚𝙙 𝙩𝙤 𝙞𝙣𝙨𝙩𝙖𝙣𝙩, 𝙞𝙣𝙩𝙚𝙡𝙡𝙞𝙜𝙚𝙣𝙩, 𝙖𝙣𝙙 𝙞𝙣𝙩𝙚𝙧𝙤𝙥𝙚𝙧𝙖𝙗𝙡𝙚. We're quietly 𝗿𝗲𝘄𝗶𝗿𝗶𝗻𝗴 𝘁𝗵𝗲 𝗿𝗮𝗶𝗹𝘀 𝗳𝗼𝗿 𝗰𝗿𝗼𝘀𝘀 𝗯𝗼𝗿𝗱𝗲𝗿 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 to make that shift possible. 𝘉𝘦𝘤𝘢𝘶𝘴𝘦 𝘰𝘯𝘦 𝘥𝘢𝘺, 𝘴𝘦𝘯𝘥𝘪𝘯𝘨 𝘮𝘰𝘯𝘦𝘺 𝘢𝘤𝘳𝘰𝘴𝘴 𝘵𝘩𝘦 𝘸𝘰𝘳𝘭𝘥 𝘴𝘩𝘰𝘶𝘭𝘥 𝘧𝘦𝘦𝘭 𝘯𝘰 𝘥𝘪𝘧𝘧𝘦𝘳𝘦𝘯𝘵 𝘵𝘩𝘢𝘯 𝘴𝘦𝘯𝘥𝘪𝘯𝘨 𝘢𝘯 𝘦𝘮𝘢𝘪𝘭. 😊 🚀 Stay tuned. #Crossrails #IndianFintech #CrossBorderPayments #GlobalPayments #RealTimePayments #PaymentsInfrastructure #DigitalIndia #UPI #FinancialInfrastructure #FutureOfFinance #PaymentsInnovation

Instant payments are no longer a pilot. They are production reality. 🚀 From October 9, 2025, banks across the eurozone must enable sending and receiving SEPA instant credit transfers, bringing 10 second, 24/7/365 euro transfers into everyday banking workflows. Under the Croatian framework, receiving instant payments became mandatory on January 9, 2025, and sending becomes mandatory on October 9, 2025. What changes for customers and businesses? Payments clear within seconds, across borders, at any time. Fees will align with standard SEPA transfers and stronger protections will be in place thanks to mandatory recipient name and IBAN verification before money moves. For banks, instant rails unlock instant payouts, richer mobile experiences and lower operational friction while ensuring compliance by design through daily sanctions checks and verification of payee. ⚙️ At Vestigo, we are proud to have worked with our client banks to bring instant payments into production with complete reliability and compliance. Delivering instant payments in a live banking environment reflects the strength of our platform, our team, and our long term commitment to modernizing payments. 🌐 #InstantPayments #SEPA #PaymentsModernization #BankingInnovation #Vestigo

PayDo Introduces USD IBAN via SWIFT “Our clients require practical tools for managing international payments. They appreciate speed, transparency and versatility, so we put these values at the center of the update,” said Serg Zakharov, Founder and CEO at PayDo. “Introducing USD IBAN via SWIFT reflects our ongoing commitment to providing infrastructure that adapts to their day-to-day needs. It also simplifies the process of holding and moving funds in major currencies, without unnecessary steps or delays.” https://lnkd.in/eFR4kk3z #fintech #finance #banking #paytech #payments #fintechnews #paymentsnews

⏳ The second deadline of the EU Instant Payments Regulation comes into force tomorrow. Our CEO, Mike Walters, spoke with Treasury Today Group about what this means for banks and payment providers. Under this deadline, all EU banks and PSPs must be able to send instant payments in 10 seconds or less, with new requirements for fraud checks, pricing parity, and Verification of Payee. But as Mike points out, too many firms are treating this as a compliance exercise instead of a chance to stand out. With instant payments now the standard, differentiation will come from value-added services such as instant refunds, real-time treasury management or access to different models. And having the right tech stack is essential for this. 👉 Read the full article here: https://lnkd.in/etMafr9S #InstantPayments #EURegulation #PaymentsInnovation #Fintech

⏳ The second deadline of the EU Instant Payments Regulation comes into force tomorrow. Our CEO, Mike Walters, spoke with Treasury Today Group about what this means for banks and payment providers. Under this deadline, all EU banks and PSPs must be able to send instant payments in 10 seconds or less, with new requirements for fraud checks, pricing parity, and Verification of Payee. But as Mike points out, too many firms are treating this as a compliance exercise instead of a chance to stand out. With instant payments now the standard, differentiation will come from value-added services such as instant refunds, real-time treasury management or access to different models. And having the right tech stack is essential for this. 👉 Read the full article here: https://lnkd.in/etMafr9S #InstantPayments #EURegulation #PaymentsInnovation #Fintech

⏳ The second deadline of the EU Instant Payments Regulation comes into force tomorrow. Our CEO, Mike Walters, spoke with Treasury Today Group about what this means for banks and payment providers. Under this deadline, all EU banks and PSPs must be able to send instant payments in 10 seconds or less, with new requirements for fraud checks, pricing parity, and Verification of Payee. But as Mike points out, too many firms are treating this as a compliance exercise instead of a chance to stand out. With instant payments now the standard, differentiation will come from value-added services such as instant refunds, real-time treasury management or access to different models. And having the right tech stack is essential for this. 👉 Read the full article here: https://lnkd.in/etMafr9S #InstantPayments #EURegulation #PaymentsInnovation #Fintech

⏳ The second deadline of the EU Instant Payments Regulation comes into force tomorrow. Our CEO, Mike Walters, spoke with Treasury Today Group about what this means for banks and payment providers. Under this deadline, all EU banks and PSPs must be able to send instant payments in 10 seconds or less, with new requirements for fraud checks, pricing parity, and Verification of Payee. But as Mike points out, too many firms are treating this as a compliance exercise instead of a chance to stand out. With instant payments now the standard, differentiation will come from value-added services such as instant refunds, real-time treasury management or access to different models. And having the right tech stack is essential for this. 👉 Read the full article here: https://lnkd.in/etMafr9S #InstantPayments #EURegulation #PaymentsInnovation #Fintech