Zilligo Payments LTD, Mauritius File C215482

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SEPA Transfer logoCrypto to SEPA

Crypto to SEPA, straight to your IBAN.

To cash out crypto by SEPA, choose SEPA, enter your IBAN and the account holder's name, then send the coins shown on your order page. Once they confirm, we send a euro SEPA transfer to that account, usually within 1 to 2 hours on banking days. The fee is 1%, and one order can go from $500 up to $15,000.

Cash out to your bank How it works
Your orderRate held for 20 minutes
You send506.07

Zilligo fee, 1%
$5.00
Network fee
Paid by your wallet
Usually arrives
1 to 2 hrs
Cash out $500

An estimate at today's price. Your order page fixes the exact amount for 20 minutes.

Fee, inside your quote
1%
Usual time on banking days
1 to 2 hrs
Per order, our highest limit
$15k
You need
IBAN

About SEPA

What SEPA is, and why it suits a crypto cashout

SEPA is the Single Euro Payments Area: one set of rules that lets a bank in one European country pay euros to a bank in another as easily as a payment at home. More than 40 countries take part, from every EU member state to the UK, Switzerland and Norway.

Every account in that area has an IBAN. The IBAN and the holder's name are all a SEPA payout needs, so there is nothing to link and no banking login to share.

With Zilligo, your coins go to the address on your order page and the euros go to your IBAN. There is no exchange account to open, and the fee is a flat 1%, shown before you send.

Exchange or Zilligo

Why not sell on an exchange and withdraw by SEPA?

Plenty of exchanges pay out by SEPA too. The difference is what they ask of you before the money moves.

Exchange sale, then SEPA withdrawal

  • ID and address checks before your first sale
  • A trading fee, a spread and a withdrawal fee
  • Limits that depend on your account level
  • Sensible if you trade there every week anyway

ZilligoZilligo by SEPA

  • Only your IBAN and the account holder's name
  • Send from any wallet or exchange
  • One 1% fee, with the payout shown first
  • Up to $15,000 in a single order

Step by step

How to cash out crypto by SEPA

Three steps from your wallet to your IBAN, once your free account is ready.

  1. Pay out toSEPA Transfer logoSEPA Transfer
    DE89 3704 0044 0532 0130 00
    You get$1,000.00
    1

    Add your IBAN and name

    Pick SEPA, set the amount, and enter the IBAN and the name exactly as your bank shows them.

  2. 1,010.00 USDTTQx7...9fKpW2Rate locked 14:32
    2

    Send the coins shown

    Use the fresh address, coin and network on your order page. Your quote holds for 20 minutes.

  3. SEPA Transfer logoYour banknow
    Incoming SEPA transfer
    From Zilligo
    3

    Euros reach your bank

    After your coins confirm, we send the SEPA transfer. On banking days it usually arrives within 1 to 2 hours.

Before you start

What a SEPA payout needs

An IBAN in the SEPA area

Personal or business, at any bank that receives SEPA transfers.

The account holder's name

Spelled the way your bank has it on the account.

Coins in any wallet

USDT, BTC, ETH, BNB, SOL, XRP or XMR.

$500 or more

Up to $15,000 in one order, our highest limit.

Euros at home

What the euros can do next

Pay rent and billsStanding orders and direct debits run from the same account.

Get paid for remote work

Turn crypto from clients abroad into euros at home.

Spend with your bank card

Your normal debit card works with the euros once they land.

Build your savingsMove part of your gains into a savings account.

Fee and timing

1%, usually there in 1 to 2 hours

One fee, inside your quote. The wait is your coin confirming, then the SEPA transfer itself.

Example

Payout, priced in USD$1,000.00
Zilligo fee (1%)$10.00
You send in crypto$1,010.00

Your coin's network cost is on top: about $2 to $4 for USDT on Tron, a fraction of a cent on Solana or XRP.

Our pick for SEPA: USDT on Tron. A stablecoin keeps its value while it confirms, which matters on larger payouts, and it costs about $2 to $4 to send.

CoinNetworkUsually arrivesNetwork cost
USDTBest pickNetworkTRC-20 (Tron)Usually arrives1 to 3 minNetwork costVery low
USDTNetworkERC-20 (Ethereum)Usually arrives2 to 5 minNetwork costHigher
BitcoinNetworkBitcoinUsually arrives10 to 30 minNetwork costVaries
EthereumNetworkEthereumUsually arrives1 to 5 minNetwork costVaries
SolanaNetworkSolanaUsually arrivesUnder 1 minNetwork costVery low
XRPNetworkXRP LedgerUsually arrivesUnder 1 minNetwork costVery low
BNBNetworkBNB Smart ChainUsually arrivesAbout 1 minNetwork costLow
MoneroNetworkMoneroUsually arrivesAbout 20 minNetwork costLow

Coin confirmation times. We send the SEPA transfer once they finish.

Where it works

Any IBAN in the SEPA area

SEPA covers the 27 EU states, Iceland, Liechtenstein, Norway, Switzerland, the UK, Andorra, Monaco, San Marino and Vatican City, plus newer members in the Western Balkans and Moldova. If your account has an IBAN in one of them and takes SEPA transfers, you can cash out to it.

40+SEPA countries
EURTransfer currency
DEFRESITNLBEATIEFIPLCHGB

Get it right

Five checks for a SEPA payout

  1. 1

    Paste the IBAN, do not retype it

    Copy it from your banking app. A single wrong character can bounce the transfer.

  2. 2

    Use the name your bank has

    Euro-area banks now compare the name with the IBAN before a transfer goes out. Give the exact account holder name.

  3. 3

    Order early on a working day

    Weekends and public holidays can push a transfer to the next banking day.

  4. 4

    Prefer a euro account

    SEPA pays in euros. A non-euro account may convert them at your bank's rate.

  5. 5

    Keep your order page

    It records the coins, the amount and the date, useful for your bank and your tax return.

If something is off

SEPA payout problems, solved

The transfer came back

Usually the IBAN or the name did not match. Contact support with your order reference and the correct details.

It is not there after two hours

Check whether it is a weekend or a holiday. If not, send support your order reference and we will check the transfer.

My bank asked about the money

Banks can ask where a payment came from. Your order page shows the coins you sent and the payout.

I need to send more than $15,000

Split it into several orders, or talk to support before you start.

Compare

Crypto to a European bank: three routes

A Zilligo order, an exchange sale with a SEPA withdrawal, or selling to someone you do not know.

Zilligo by SEPAExchange, then SEPASelling to a stranger
Before you startZilligo by SEPAFree account, IBAN and nameExchange, then SEPAID and address checksSelling to a strangerFind a buyer and agree a price
FeeZilligo by SEPA1%, in your quoteExchange, then SEPATrading fee, spread, withdrawal feeSelling to a strangerThe buyer's price
Time to your bankZilligo by SEPAUsually 1 to 2 hours after confirmingExchange, then SEPADepends on the exchangeSelling to a strangerDepends on the buyer
Per orderZilligo by SEPA$500 to $15,000Exchange, then SEPASet by your account levelSelling to a strangerWhatever the buyer can pay
Main riskZilligo by SEPAA wrong IBAN or nameExchange, then SEPAAccount holds and reviewsSelling to a strangerScams and fraud-linked payments

FAQ

Crypto to SEPA, answered

Question about your bank? Ask our team, we usually reply within an hour.

How do I cash out crypto by SEPA?

Choose SEPA, enter your IBAN and the account holder's name, then send the coins your order page shows. Once they confirm, we send the euros by SEPA transfer.

What is a SEPA transfer?

A euro bank transfer between accounts in the SEPA area. The same rules apply in every member country, so a cross-border euro payment works like one at home.

How long does crypto to SEPA take?

Usually 1 to 2 hours after your coins confirm, on banking days. A weekend or a holiday can move it to the next banking day.

Which countries can receive a SEPA payout?

More than 40: every EU country, Iceland, Liechtenstein, Norway, Switzerland, the UK, a few small European states, and newer members in the Western Balkans and Moldova.

Do I receive euros?

Yes. SEPA transfers are made in euros. Your order is priced in US dollars, and the quote shows our fee before you send. If you need a fixed euro figure, ask support before you order.

Can my account be in another currency?

If your bank accepts SEPA transfers, it decides whether to convert the euros and at what rate.

What do you need from me?

Your IBAN and the account holder's name. Never your online banking login.

Will my bank check the name?

Euro-area banks now run a name check, called Verification of Payee, before a euro transfer is sent. Give the name exactly as your bank shows it.

What are the fees?

1% to us plus your coin's network cost. On a $1,000 payout our fee is $10.

What is the most I can cash out?

Up to $15,000 per order, our highest limit, shared with ACH and Wise. The smallest SEPA order is $500.

Do I need a Zilligo account?

Yes, a free one that takes about a minute. There are no ID documents to upload for a standard order.

Do I pay tax on a SEPA cashout?

Selling crypto is taxable in most European countries. This is general information, not tax advice: keep your order reference, date and amount, and check your local rules.

Other bank payouts

Wise logoWiseACH Transfer logoACH TransferPayPal logoPayPalSkrill logoSkrill

By coin

USDT to eurosBitcoin to eurosEthereum to euros

Guides

USDT to a bank accountBitcoin to a bank accountCrypto tax when you cash out

Countries where it leads

GermanyBest overall

Ready when you are

Cash out to your IBAN

Add your IBAN and name, send your coins, and see the payout before you commit.

Cash out to your bank See fees

Orders from $50 on gift cards and top-ups, $100 on most payouts. Nothing moves until you send.

  1. 1Pick a payoutBank transfer, PayPal and other wallets, a card, a gift card or cash pickup.
  2. 2Send your coinsTo the one-time address on your order, before the 20 minute timer runs out.
  3. 3Get paidMost payouts arrive within minutes of your coins confirming.