Home/Routes/USDC → SEPA

Send USDC, receive SEPA

USDC into a euro bank account, at the same tight spread as USDT.

What you send

You send USDC on Ethereum, Base or Tron. Confirmed in minutes, priced like USDT.

What you receive

We send a euro transfer to the IBAN you supply. Same business day where the cut-off allows, the next morning otherwise.

How a 10,000 USDC transaction prices today

At the current rate of 0.8820, a member sending 10,000.00 USDC receives 8,734.65 EUR — that is 8,819.61 gross, less 74.97 at 0.85% and a 10.00 fixed charge.

Nothing else is deducted by us. There is no network fee and no correspondent bank on this route, so the figure above is the whole cost.

Timing, honestly

On-chain confirmation is the fast part. Where the other leg is cash, the clock that matters is the agent’s opening hours rather than the blockchain.

Above the standing reserve of 1.9M EUR the desk needs 24 hours to position, which is scheduling rather than refusal. You are told at the quote, not at the counter.

Identity

None below the band for your tier — €999 as a guest, €9,999 as a member, €99,999 as VIP. Above it we ask one question about where the money came from, never about who you are, and take no document either way. The source of funds page sets out exactly what a sufficient answer looks like.

Common questions
What is the minimum on USDC to SEPA?

1,000.00 USDC. Below that the fixed cost of settling is a large share of the transaction and neither side benefits.

Can I lock the rate before I send anything?

Yes, and you should. Locking freezes the figure for 14 seconds as a guest, 60 as a member and five minutes as VIP. If it expires we requote and nothing is charged.

What if I need more than 2,000,000 USDC?

Message the desk. Above the published ceiling we quote by arrangement rather than automatically, usually with a day of notice, and the price is agreed before you commit anything.

Where exactly do the funds land?

At the destination you supply — an address or an account. It is used exactly as given, so check it twice; a transfer to a wrong destination you specified cannot be recovered by us.

Right now
0.8820

EUR per USDC, before fee

Live rateholds 18s
Price this route →
Limits
Minimum1,000.00 USDC
Ceiling2,000,000 USDC
Standing reserve1.9M EUR
Route spread0.45%
Settles in10–30 min
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