SEPA (Single Euro Payments Area) transfers allow you to send and receive payments in euros between two cross-border bank accounts in the eurozone. Payment made by SEPA transfers reach a beneficiary’s account at the latest by the end of the next business day (i.e. "D+1" rule).
Internal transfers allow you to send and receive payments from one account to another within the Okeo platform. Internal transfers reach a recipient’s account within minutes.