Send money

SEPA bank transfer

Pay any IBAN in the SEPA area, in euros, from your balance.

Destination Europe, method Bank transfer.

#What you need

• The payee's name.
• Their IBAN.
• Optionally, a reference of up to 140 characters. It travels with the payment and appears on their bank statement.

#What happens

Your EURe is redeemed by Monerium and the euros are sent by SEPA to the payee's bank. The payment goes straight from your wallet to Monerium's redemption; Zold does not hold it on the way. Most payments arrive within seconds by SEPA Instant. Where the receiving bank does not support Instant, it arrives on the next business day.

#The reference

Banks accept a restricted character set in the reference field. Zold folds what you type into it: accents are simplified (Müller becomes Muller), reserved characters are removed, and the text is cut at 140 characters. What survives is what the payee sees.

#Fees

None. Zold charges nothing for a SEPA transfer, and there is no currency conversion, so no exchange-rate margin. See Fees and exchange rates.

#Limits

Per-transfer and daily limits apply and are shown when you reach them.

#Paying a business

If a supplier sent you an invoice through Zold, pay it from the invoice itself rather than typing the details: Payments → Invoices → Pay. The bank details come from the invoice and the reference is set for you. See Invoice-Me links.