EBA Clearing's RT1 instant payment platform averaged 6.1 million daily transactions in January 2026. This represents a 67% increase from the 3.66 million daily average recorded in January 2025. Daily settlement values nearly tripled over the same period, rising from EUR 2.4 billion to EUR 6.4 billion. The platform now counts 97 direct participants as of March 2026, up from 94 at the start of the year. Across the SEPA area, instant credit transfers account for approximately 25% of total credit transfer volume, according to ECB data presented to the Euro Retail Payments Board.
Poland's Elixir batch system processed 177.5 million transactions in February 2026, a 2% year-over-year decline. Express Elixir, the country's instant payment rail, grew 11% over the same month to 50.67 million transactions. In Sweden, Bankgirot recorded 183 million monthly transactions in February 2026, down 7.9% year-over-year. France's STET reports that instant transfers now constitute 20% of all credit transfers cleared through its CORE platform.
The EU Instant Payments Regulation entered into force in October 2025. It requires euro-area PSPs to offer instant credit transfers at fees no higher than those charged for standard transfers. PSPs face their first mandatory reporting deadline on 9 April 2026, when they must submit instant payment adoption data to national competent authorities. As of mid-2025, 2,765 PSPs had registered for the SCT Inst scheme, representing 78% of all SCT adherents.