# Funding your EU financial account

Your EU financial account holds euros and can receive funds via two methods: SEPA Credit Transfer and SEPA Instant Credit Transfer. For more details on how each payment method works, see EU payment methods for funding your financial account.
## Finding your EU financial account IBAN
1. In the Stripe Dashboard, go to **Balances** > **Financial account**.
1. Select **Account details**.
1. You will see your **IBAN** and **BIC / SWIFT** code.
## Settlement timelines
| Method                     | Cutoff                   | Typical settlement     | Available 24/7? |
| -------------------------- | ------------------------ | ---------------------- | --------------- |
| SEPA Credit Transfer (SCT) | End of SEPA business day | Next SEPA business day | No              |
| SEPA Instant (SCT Inst)    | None                     | Within 10 seconds      | Yes             |
## FAQ
### Does Stripe charge a fee for receiving SEPA or SEPA Instant transfers?
Stripe doesn't charge a fee to receive SEPA Credit Transfers or SEPA Instant transfers. Your sending bank may charge a fee for outbound SEPA Instant payments; check with your bank.
### What are SEPA business days?
SEPA business days are Monday through Friday, excluding public holidays observed by the TARGET2 settlement system. This includes holidays such as Christmas Day and New Year's Day. Your transfer will be queued and processed on the next available business day if submitted on a non-business day.
### My SEPA transfer didn't arrive the next business day. What should I do?
Confirm with your sending bank that the transfer was submitted and accepted. SEPA transfers can be delayed if submitted close to end-of-day cutoffs or if the sending bank requires additional processing. If the transfer reference is confirmed as sent and more than one additional business day has passed, contact Stripe support.
### Can I receive currencies other than EUR in my EU financial account?
Your EU financial account holds EUR only. Transfers in other currencies will typically be rejected by the sending bank's SEPA processing. Use the appropriate regional financial account for GBP or USD.
### Not all SEPA Instant banks support receiving above certain amounts. Will Stripe accept any amount up to 1 million EUR?
Yes, Stripe accepts SEPA Instant transfers up to the 1 million EUR scheme cap. If you receive an error from your sending bank, the limitation is on their side, not Stripe's.