What is the EUR Virtual Account?

Airtm's EUR Virtual Account lets you receive euro payments directly in your account without needing a European bank account. Each user gets a unique IBAN that anyone in Europe can use to send you SEPA transfers.

Incoming funds are credited directly to your EURC balance — your euro balance inside Airtm. From there, you decide what to do with them.

How does it work?

1. You receive a unique personal IBAN linked to your Airtm account.
2. You share that IBAN with the platform or person sending you the payment.
3. When the transfer arrives, the euros are credited to your EURC balance.

What can you do with your EURC balance?

• Convert it to USDC at any time.
• Withdraw it directly to a European bank account via SEPA.
• Send it to another Airtm user.
• Hold it in euros at no custody cost.

What is it for?

It is ideal if you receive payments from European or international platforms such as Payoneer, Deel, Wise, or any other that supports SEPA transfers to IBANs.

Important

• The EUR Virtual Account is for receiving payments only. You cannot send outgoing transfers from it.
• It only accepts SEPA transfers in euros. SWIFT transfers or payments in other currencies will be rejected.
• The IBAN is registered under Bridge Ventures, not your name. Some platforms that require the account holder to match the payment recipient may not be compatible.

For fees, see EUR Virtual Account — fees and costs.