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    Anytime Capital
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    3. SEPA

    EUROPE · EUR

    Sell crypto, get euros in your IBAN

    Send Bitcoin, Ether or stablecoins from any wallet and we pay euros to your own IBAN over SEPA Instant: one payout rail for 31 countries, from Lisbon to Helsinki.

    Sell crypto for EUREvery country
    • Instant payouts by SEPA
    • Paid in EUR
    • Any wallet, or your Anytime Capital wallet
    9:415G

    Wallet

    $24,318.40

    ReceiveSendSell

    Assets

    BTCBitcoin$18,042.11
    ETHEthereum$4,107.66
    USDTTether$2,168.63
    BTCSell Bitcoin

    You get

    2.140,00 €EUR

    DE89 •••• •••• 3000SEPA Instant
    1. Bitcoin sent
    2. Arrived00:00:08

    In short

    How do I sell crypto and receive euros by SEPA?

    Open a sell order with Anytime Capital, choose Local and your country, and enter the IBAN of an account in your name. Send the crypto to the order's own deposit address. Once it is confirmed, the euros go to your IBAN over SEPA Instant, which lands in seconds when your bank receives instant payments and by the next business day over standard SEPA.

    SEPA Instant settlement target
    ≤10 s
    Countries
    31
    Paid in
    EUR
    Rails
    SEPA · SEPA Instant

    Your payout

    From your wallet to your account

    You sendBTCBitcoinfrom any wallet
    Instant – 1 business day
    You get€2.140,00 €EURDE89 •••• •••• 3000SEPA Instant

    Example payout · illustrative amount

    Coverage

    Where SEPA pays out

    AustriaATBelgiumBEBulgariaBGCroatiaHRCyprusCYCzechiaCZDenmarkDKEstoniaEEFinlandFIFranceFRGermanyDEGreeceGRHungaryHUIcelandISIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandYOUR WALLETAnytimeCapital
    • AustriaEUR
    • BelgiumEUR
    • BulgariaEUR
    • CroatiaEUR
    • CyprusEUR
    • CzechiaEUR
    • DenmarkEUR
    • EstoniaEUR
    • FinlandEUR
    • FranceEUR
    • GermanyEUR
    • GreeceEUR
    • HungaryEUR
    • IcelandEUR
    • IrelandEUR
    • ItalyEUR
    • LatviaEUR
    • LiechtensteinEUR
    • LithuaniaEUR
    • LuxembourgEUR
    • MaltaEUR
    • NetherlandsEUR
    • NorwayEUR
    • PolandEUR
    • PortugalEUR
    • RomaniaEUR
    • SlovakiaEUR
    • SloveniaEUR
    • SpainEUR
    • SwedenEUR
    • SwitzerlandEUR

    In the app

    SEPA on the Sell page

    Choose Local and your country under Get paid by, and the Sell page asks for exactly what your bank or wallet needs, checking the format as you type.

    anytime-capital.com/dashboard/crypto/sell-now
    Anytime Capital Sell page with Germany chosen: get paid in EUR, instantly
    01Choose how you're paid
    anytime-capital.com/dashboard/crypto/sell-now
    Anytime Capital Sell page asking for a German IBAN and the name on the account
    02Enter your IBAN

    How it works

    Three steps, from any wallet

    1. 01

      Choose what you sell and how you're paid

      Pick the coin and amount, then your country and the account or wallet the money goes to. The details are checked as you type.

    2. 02

      Send the crypto

      Send to the deposit address made for your order, from any wallet, or sell in one tap from your Anytime Capital wallet.

    3. 03

      Get paid

      Once the deposit confirms, EUR is paid to your account by SEPA (Instant – 1 business day).

    Before you start

    What you need

    • 01The IBAN of an account in your own name (a German IBAN is 22 characters, a French one 27).
    • 02The BIC, if your bank asks for it; most SEPA transfers no longer need one.
    • 03The account holder's address and country of residence.
    • 04A verified Anytime Capital account: identity verification is a legal requirement before any payout.

    One rail, thirty-one countries

    SEPA, the Single Euro Payments Area, lets a euro transfer reach any participating bank with nothing more than an IBAN. That is why a seller in Madrid, Vienna or Tallinn is paid exactly the same way: there are no country-specific bank codes to look up.

    Accounts in SEPA countries outside the euro area (Poland, Sweden, Czechia, Hungary, Romania, Norway, Switzerland and others) can still receive the payout in euros. Your bank either credits a euro account or converts on arrival under its own terms. In Denmark you can choose to be paid in Danish kroner instead.

    SEPA Instant or standard SEPA

    SEPA Instant Credit Transfer settles in seconds, around the clock, weekends included; the scheme's target is ten seconds end to end. Since 2025, banks in the euro area have been required to receive instant euro payments, so most sellers there see the money almost as soon as the payout is sent.

    Where a bank doesn't take instant payments yet, the same payout travels as a standard SEPA credit transfer and arrives by the next business day. You don't have to pick: the payout goes out the fastest way your bank accepts.

    Your name, your account

    Payouts go only to an account held in the verified seller's own name. Many European banks now check the payee's name against the IBAN before crediting a transfer, so enter the name exactly as your bank has it. A mismatch can hold the payment for review.

    • Paid to your IBAN, never to a third party
    • Deposit address unique to each order
    • Status of your order visible from your dashboard

    Before you sell for euros

    Check that the IBAN belongs to an account that can receive euro transfers from outside its own bank; current accounts at high-street banks and most app-based banks can. Savings or deposit accounts sometimes can't, and the payout would come back.

    If you live in one SEPA country and bank in another, that's fine: a Spanish resident can be paid to a Belgian IBAN. Enter your own address as your residence, wherever it is, and the account's IBAN exactly as your bank shows it.

    SEPA payouts: questions

    Which countries can receive a SEPA payout?

    All 27 EU member states plus Iceland, Liechtenstein, Norway and Switzerland: 31 countries in all. Any IBAN at a bank in one of them can receive euros.

    My bank account is in Polish zloty. Can I still be paid?

    Yes. The payout arrives in euros over SEPA; your bank credits a euro account if you have one, or converts the euros into zloty on arrival under its own exchange terms.

    Is SEPA Instant available every day?

    Yes. SEPA Instant runs 24 hours a day, every day of the year, including weekends and bank holidays. Standard SEPA transfers move on bank business days.

    Do I need a BIC?

    Usually not. SEPA transfers are routed by IBAN alone. The form has an optional BIC field for banks that still ask for one.

    Which crypto can I sell for euros?

    Bitcoin, Ether, Solana, Litecoin, TRON and the stablecoins USDT, USDC and DAI on the networks the sell page lists for each.

    Can I be paid to an IBAN from an app-based bank?

    Yes. IBANs issued by app-based banks and e-money institutions in SEPA countries receive SEPA transfers like any other, as long as the account is in your own name.

    More ways to get paid

    • Faster Payments payouts
    • SWIFT payouts
    • Local bank transfer payouts
    • Every country we pay out to
    • Fees and limits
    • Free crypto wallet

    Reviewed October 2026

    Important Disclosures

    • Anytime Capital is a fintech company, not a bank. Digital assets are not FDIC-insured deposits and are not protected by SIPC.
    • Anytime Capital is a licensed money services business. All transactions are subject to our terms of service and applicable regulations.
    • Transfer times are those of each payment rail once a payout is sent. Receiving banks, mobile money providers and intermediary banks may apply their own limits, holds or charges.
    • Payouts are made only to an account or wallet held in the verified seller's own name. Identity verification is required before any payout.
    • Cryptocurrency transactions are irreversible. Send only the coin and network your order shows.
    • Pricing and order limits are published on the fees and limits page. Information on this page is general information, not financial or tax advice.
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