How SEPA Simplifies Real Estate Transactions: Benefits for RE/MAX Moldova Clients and Agents

The real estate market in the Republic of Moldova is becoming increasingly connected to European trends. Clients from the diaspora, foreign investors, and local buyers are carrying out transactions in euros, and the speed and security of payments are becoming essential. In this context, the SEPA – Single Euro Payments Area – system plays an increasingly important role. It brings a new era in managing international payments, and for brands like RE/MAX Moldova, it means transparency, efficiency, and trust in every transaction.

What SEPA is and why it matters

SEPA is a unified zone for euro payments, which includes all EU member states and several other European countries. Its goal is simple: to make euro transfers between bank accounts in different countries as easy as domestic payments. In practice, this means that if a buyer from Italy, France, or Germany wants to send money for a property in Moldova (via a SEPA partner bank), the payment is processed quickly, securely, and transparently.

The connection between SEPA and real estate transactions

Real estate transactions often involve large sums, multiple bank accounts, and participants from different countries. Here is where SEPA provides an efficient solution for:

1. Buyers from the diaspora

Many Moldovans living in EU countries invest in homes back in Moldova. With SEPA, they can transfer money directly from their euro account to the seller’s or developer’s account, without high fees and without days-long delays.

Advantage: the transaction is processed within a maximum of 24 hours (or instantly, if banks support SEPA Instant).

2. Foreign investors and European partners

For investors outside Moldova, SEPA payments offer an additional guarantee of reliability. They can transfer funds for purchases, development projects, or consultancy fees directly into RE/MAX Moldova accounts in euros, through a system regulated at the European level.

Advantage: trust and standardization — two key principles of the RE/MAX brand.

3. RE/MAX real estate agents and professionals

For RE/MAX agents, SEPA brings flexibility to international cooperation. Whether they receive commissions from partners in other RE/MAX countries or manage payments between clients, using SEPA:

1. eliminates the risk of multiple currency conversions,
2. simplifies accounting,
3. reduces costs and processing time.

The position of the Republic of Moldova regarding SEPA

Although the Republic of Moldova is not yet a SEPA member, the National Bank of Moldova (NBM) is working on aligning the payment systems with European standards. Several banks in the country already have partnerships with SEPA institutions, offering the possibility to receive or send money in euros through this network.

For RE/MAX Moldova, this is a strategic opportunity:

1. it attracts clients from the diaspora;
2. it facilitates foreign direct investment in real estate;
3. it increases confidence in transaction transparency.

The benefits of SEPA for RE/MAX Moldova clients

How RE/MAX clients can use the SEPA system

To make a SEPA payment during a real estate transaction, clients simply need to:

1. have a euro bank account;
2. request their IBAN and BIC codes;
3. ensure the transfer is made in EUR;
4. consult a RE/MAX agent for guidance on documents and the optimal process.

Our agents can explain every step in detail, ensuring the transfer is correct, fast, and secure.

Conclusion

Implementing the SEPA system represents more than a financial innovation — it is a step toward the full integration of Moldova into the European economic framework.

👉 With SEPA, buying a home in Moldova becomes as simple as making a payment within the European Union.

And with RE/MAX Moldova by your side, every transaction becomes safe, clear, and efficient.

📞 Contact a RE/MAX agent to learn how you can use the SEPA system in your buying-selling process and to receive personalized guidance for international payments.