Use SEPA to deposit EUR and receive the offered EURC or USDC option, or to send EUR to an eligible bank account. SEPA Instant funding does not imply an instant payout service.
Before you start
UI names in this guide refer to the English web interface. These instructions cover the web flow. Use only a method shown for your account in Cash. Availability depends on your region, account type, verification and the selected banking route. Complete the terms or verification requested before transferring. Use the exact currency, bank details and any reference shown for that method; bank details for one rail are not interchangeable with another.
How to deposit EUR
Open https://www.ether.fi/app/cash/bank and choose EUR.
Choose SEPA transfer (EUR to EURC) or SEPA transfer (EUR to USDC), where offered. Complete any terms or verification.
Copy the Bank details, IBAN and any reference exactly as shown. Send EUR via SEPA from your bank and save the receipt.
How to send funds
Have the recipient’s full legal name, individual/business account type, bank name and IBAN. Use a bank account eligible for the SEPA method shown in Cash.
Open https://www.ether.fi/app/cash/send and select New Recipient, or choose a saved recipient and check the details.
For a new recipient, choose the currency, select the method if prompted, enter a nickname and complete the required fields, review the details and select Save Recipient. Saving a recipient does not send money.
Choose an eligible asset under Pay with. Check which currency the amount field uses and review the amount the recipient will receive. Complete any verification requested.
Select Review. In Confirm Payment, check Recipient Details, Transfer Details, the total to be deducted, fees, exchange rate and any displayed arrival estimate. Complete Memo or Purpose Code only where requested.
Select Sign & Send and complete the security prompts. Use View in History to check the status; a submitted payment is not necessarily delivered. Check the original payment before retrying.
Fees and conversion
On a standard route, deposits to EURC show a €0.90 fixed fee; deposits to USDC show €0.90 + 0.15% fee. Other banking routes may differ, so check the selected option.
Outgoing SEPA fees and any FX conversion are shown before confirmation. The fee depends on the route and source asset; the EURC and USDC options are not interchangeable pricing paths.
Review the fee shown in Cash before you confirm; this is the fee that applies to your transfer. The deposit fee does not describe the cost of an outgoing payment. Fees and conversion can depend on the banking route and source asset. Your sending bank or intermediary banks may charge their own fees.
Processing times
SEPA Instant deposits are accepted where the sending bank supports them and commonly arrive instantly or the same day. Standard SEPA deposits: 1–2 business days. These are deposit estimates, not outgoing guarantees. Review the timing displayed for your outgoing payment.
Example
Illustrative fee comparison: if the selected disclosure shows €0.90 for funding to EURC, that is a fixed deposit fee. If it shows €0.90 + 0.15% for funding to USDC, the percentage component on €1,000 is €1.50, giving €2.40 in those disclosed fees before any bank charges. The USDC received still depends on the applicable conversion. This is not a live quote.
Frequently asked questions
Can I receive or send third-party transfers?
For funding transfers, use a bank account in your own name and follow the ownership instructions shown in Cash. Do not assume that third-party rules are the same across rails. If someone else will fund your account, confirm the rules for the selected method with ether.fi Support before they transfer. Additional information may be requested regardless of the amount; there is no guaranteed automatic-approval threshold. For outgoing payments, recipient eligibility depends on the selected method and account checks; this is not blanket permission to pay any third party. Select This is my own account only when the receiving bank account belongs to you.
What limits apply?
There is no universal ether.fi minimum for bank-transfer deposits. Individual methods may have a minimum, maximum or provider/compliance limit. Follow the amount and limits shown in Cash; availability of a currency does not guarantee every recipient or amount is eligible.
My transfer is delayed or shows Action Required
Open Transaction History and select the transfer. If it shows Action Required, select Provide details, answer the questions, upload the requested documents and submit your response. If a response deadline is shown, submit before it expires. A response does not guarantee approval or immediate completion. If no action is required and the applicable processing timeframe has passed, contact ether.fi Support with the transfer reference or receipt, amount and currency, date/time and a screenshot of the status.
Can I cancel a transfer or recover a failed payment?
Do not assume a submitted transfer can be cancelled. If you sent to incorrect details, or a transfer failed or was returned, contact ether.fi Support with the payment reference. Support can help check its status and available next steps. Do not resend while the original transfer is being checked.