How fast are bank transfers in the Baltic States?

Most are instant. In Lithuania, 68% of euro payments in CENTROlink were instant in 2025. Bank links built on these rails confirm payment to the merchant within seconds.

Instant payments in the region

The Baltic banks adopted SEPA Instant early, and transfers between local banks often arrive in seconds. CENTROlink, the Bank of Lithuania's payment system, connects many smaller payment institutions to SEPA.

What it means for shoppers

Bank transfers are a practical way to pay online, as money moves immediately and the merchant confirms the order at once.

What it means for merchants

• Faster confirmation for bank link payments.
• Fewer unpaid orders than with traditional bank transfers.
• Settlement that matches the speed of the payment, depending on the provider.

The euro area context

Under the Instant Payments Regulation, all euro area PSPs must offer instant transfers at the same price as standard ones, with Verification of Payee, which supports this trend across the region.

What it means for payment operators

For your merchants in the Baltics, instant bank payments are a strong alternative to cards. Access to local bank links and instant rails through one platform, with reconciliation, lets them confirm orders without manual matching.