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SEPA routing and cut-off times

Lumx now picks the SEPA scheme automatically based on amount and time of day.

Abstract changelog cover for SEPA routing and cut-off times
Abstract changelog cover for SEPA routing and cut-off times

SEPA payments settle instantly, 24/7/365. Payments of €100k or more submitted between 4:30 PM and 2:30 AM UK time route to SEPA Credit Transfer and settle on the same or next business day.

Lumx picks the scheme automatically, so you keep sending rail: "SEPA". See Payment rail cut-off times.

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LUMX SOCIEDADE PRESTADORA DE SERVIÇOS DE ATIVOS VIRTUAIS LTDA., a private legal entity, enrolled with the CNPJ/MF under No. 42.887.120/0001-00 ("Lumx"), acts as a virtual asset service provider and is in the process of adapting to the regulatory regime for Virtual Asset Service Provider Companies (SPSAV), pursuant to Central Bank of Brazil (BCB) Resolution No. 520/2025, currently being subject to the transition regime set forth in Article 88 thereof.


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