Europe’s banks brace for real-time payments —and millions in lost interest

With the EU’s SEPA Instant Payments Regulation set to become mandatory by October 2025, European banks are preparing for a new era where euro payments must clear in seconds, 24/7/365.

This landmark shift is designed to modernise European payments, but comes at a steep cost. New research by RedCompass Labs reveals that 47% of European banks expect to lose millions in interest as they scramble to meet the regulation’s round-the-clock liquidity demands.