Convert USDC to EUR
Send USDC and receive euros to an IBAN — yours, or a person's or company's you are paying. Most payouts go by SEPA Instant, which settles in seconds and does not care that it is a Sunday.
USDCyour walletEURSEPA
What to expect
- Rail
- SEPA
- Euro SEPA transfer, same/next day
- Timing, if you started now
- arrives within about 5 minutes
- This rail ignores the banking calendar.
- Fee
- 1.99% + 1.99 below 500, then 0.99% + 1.99 from 500
- Charged in USDC, shown in full on the preview before you confirm.
- Smallest order
- 100 USDC
- Our partner also will not pay out less than €1 after conversion and fees on this rail; both limits apply.
- Where the account has to be
- An IBAN in one of the 40-odd SEPA countries, which includes the UK and Switzerland as well as the euro area.
- Your own account, or somebody else's — a person or a business you are paying. For somebody else's, you give their name and address when you add the account.
- Networks
- Ethereum, Base, Polygon, Arbitrum, Optimism, Avalanche C-Chain, Solana, Stellar
- USDC on any of these. Check the network as well as the address.
- Most payments go by SEPA Instant and arrive in seconds, any day of the week.
- Above €1,000,000 our partner has to use SEPA Credit instead, which takes about a business day.
SEPA reaches further than the euro area
The IBAN does not have to be in a country that uses the euro. SEPA covers around forty countries including the UK and Switzerland, so a euro payout can land in a non-euro country — the account simply has to be able to hold euros.
Common questions
- How fast is SEPA Instant really?
- Seconds, at any hour including weekends and holidays. The slower half is usually the blockchain confirmation on the coins you send, not the bank leg.
- Can I sell EURC instead and skip the conversion?
- Yes. EURC is a euro stablecoin, so selling it into euros involves no currency conversion at all — only the rail. The fee is the same either way.
- What fees does Rampy charge?
- A buy or a sell is 1.99% + 1.99 below 500, then 0.99% + 1.99 from 500 of the amount you send — pounds on a buy, the stablecoin on a sell. A swap is 0.5% of the amount, with no flat fee. A deposit account or an auto-convert address is 1.99% with no flat fee, which is cheaper than an order below about 500 and dearer above it. The pricing page shows the figures by amount.
- Is Rampy custodial?
- No. Stablecoins are sent to a wallet address you control, and money is paid out to the bank account you choose — yours, or somebody you are paying. Rampy is designed so that customer assets are not held by Rampy.
- Why do I need to verify my identity?
- Because money is moving between a regulated banking rail and a blockchain, and the rules that apply to that require it. Verification runs once, through our payments partner, and covers every product.
Convert USDC to EUR
Verification is required once and handled by our regulated payment partner. Your funds never sit with us.