Who can use SEPA
• Users with EUR bank accounts within the SEPA zone
• Transfers must be sent in EUR
SEPA is only available for banks located in supported European countries.
Enable SEPA Bank Transfers
Go to: https://www.ether.fi/app/cash/bank and select:
When using this feature for the first time, you will be prompted to accept terms and conditions and an account will be created for you with our third party provider.
You may additionally be asked for additional information (such as tax identification number) in order for your account to be approved.
Once your account is approved and set up you should see deposit details when adding funds, and a recipient list when sending funds.
Processing times
Processing times depend on your bank’s cut off times.
SEPA payments may settle in under 15 minutes.
Transfers over €100,000 may take 1 to 2 business days and additional information about the purpose of the transaction may be requested.
How to deposit via SEPA
Go to Add Funds
Select Bank → EUR → SEPA
Accept the terms if prompted
Copy the provided bank details
Initiate a EUR transfer from your bank
Always enter the reference details exactly as shown. Missing or incorrect references may delay your deposit.
Once funds arrive, they are credited automatically.
How to withdraw via SEPA
Go to Withdraw
Select Bank → EUR → SEPA
Enter your EUR bank details
Confirm the withdrawal
Funds are sent to your bank within 1 to 2 business days.
Fees
For EUR transfers there is a 0.50% foreign exchange fee. This fee is passed on from third parties and is deducted from the amount transferred.
Additionally, there is a 0.02% - 0.04% blockchain transaction fee, this is also deducted from the amount transferred. No fees are charged by ether.fi.
Important notes
• The bank account must be in your name
• Third party transfers will be rejected
• Transfers must be sent in EUR
Frequently Asked Questions
Which banks can I use
Which banks can I use
Any bank that supports SEPA payment rails for EUR transfers can be used.
Why do I need to upload additional documentation
Why do I need to upload additional documentation
In most cases additional documentation is not required.
However, you may be asked to provide further information to meet compliance requirements for bank transfers.
Why did my off-ramp include a network fee
Why did my off-ramp include a network fee
Any bridging fee is shown upfront and only applied if you confirm.
Are there any limits
Are there any limits
From/to your own bank account: No limit on incoming or outgoing transfers.
From/to a business bank account: No limit on incoming or outgoing transfers.
Incoming from a third-party private bank account: Limited to $4,000 (e.g., a friend can't send you more than $4,000).
Outgoing to a third-party private bank account: No limit (e.g., you can send any amount to a friend).
Monthly limits also vary depending on your membership tier:
Membership tier | Monthly limit | Fee |
Core | $10,000 | 0.2% |
Luxe | $50,000 | 0.2% |
Pinnacle | $200,000 | 0.2% |
VIP | ⭐ | 0.2% |
What is the minimum amount
What is the minimum amount
2 EUR is the minimum that can be sent or received.
My transfer is taking longer than usual
My transfer is taking longer than usual
If funds have not arrived within the expected timeframe, contact support via chat or email.
If sent from your bank, request a Trace ID from your bank to help us locate the transaction faster.
Why was my SEPA transfer rejected
Why was my SEPA transfer rejected
Common reasons include:
• Incorrect bank details
• Name mismatch
• Missing payment reference
• Compliance or regulatory restrictions
If your transfer was returned, contact support with your transfer confirmation.
Still have some questions?
Reach out to ether.fi at support@ether.fi, or by clicking the chat icon on the bottom right. Please avoid contacting our banking partners directly, as they are not best suited to help you.