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Is a recall possible in the UK and in Euro (SEPA) payments by the payer?

Yes, in both — but “recall” means different things technically:
  • SEPA (EU/Euro): A formal, scheme-defined Recall message exists under the EPC Rulebooks for both SCT (regular) and SCT Inst (instant). It can be sent by the originator’s bank at any point after the payment is sent.
  • UK (Faster Payments): There’s no scheme-level recall message built into Faster Payments itself. Instead, banks run their own bilateral recall/recovery request process (sometimes called Credit Payment Recovery) outside the scheme rules, asking the beneficiary bank to return funds.
So, possible in both, but SEPA’s version is standardised across all participating banks; the UK’s is a bank-to-bank courtesy process.
No, in neither region. A recall is always a request, not an instruction the beneficiary bank must obey.
  • The beneficiary bank must respond (SEPA rulebook requires a response within 15 banking business days), but a positive response depends on the beneficiary’s consent to have their account debited — unless local law/account terms allow the bank to debit without consent, or fraud is confirmed.
  • If the funds have already been withdrawn, spent, or moved on, there’s nothing left to return regardless of consent.
  • UK banks explicitly disclose that recall/recovery attempts may fail and can still charge a fee for trying, win or lose.
In all three, recall is not gated on whether the funds have been credited — it can be requested before or after credit. What changes after credit is simply how the money comes back (debit-with-consent / new transfer), not whether a request can be made.