E-wallet
Wise: getting paid in Euro after selling crypto
Wise receives into a multi-currency account, identified by an IBAN. The rail is in beta with us: it works, but carries a spread surcharge and is not proposed for indexing.
- EUR
- 16 countries
- about 30 minutes
- No rail fee
- Beta
The rail in numbers
All these values come from the catalogue published on this site, and are republished as soon as our own measurements contradict them.
- Technical nature
- E-walletThe payout credits a wallet balance. Moving it to your bank is a later step, which you trigger.
- Settlement currency
- EUR — EuroIf this is not your account currency, your bank applies its own conversion on arrival. That cost does not go through us and does not appear in our breakdown.
- Settlement delay (p50 / p95)
- 30 min / 12 hThe median describes the common case, the p95 the slow one. We show both: a median alone hides exactly what worries you.
- Operating window
- Continuous, weekends and holidays includedNo cut-off: orders are processed continuously, nights and holidays included.
- Min – max per operation
- €20.00 – €100,000Bounds belonging to the rail. An amount above the cap is split into several payouts, which multiplies any fixed fee accordingly.
- Rail fee
- No rail feeIts own line in the breakdown, next to the network cost and our spread.
- Coverage
- 16 countriesMulti-country rail: behaviour is identical everywhere, so one corridor page per asset — a per-country variant would say nothing more.
- Data verified on
- 2026-09-02Date of the last manual review of this rail’s delays, limits and fields. Data not reviewed for a long time is suspect data, ours included.
How this rail actually works
We send a transfer to your Wise account IBAN. The delay therefore depends on the banking corridor used to reach it, plus the time Wise takes to credit the balance.
A Wise euro IBAN is not necessarily domiciled in your country of residence. That is not a problem for the transfer, but the holder name must match your identity verification exactly.
What makes the delay
This rail processes orders continuously: there is no business day and no cut-off. The gap between the median and the p95 of 12 h comes from the availability of the receiving institution or operator, not from a clearing window.
Details required from the beneficiary
Every field is validated as you type, with the same rule client-side and server-side. That is what prevents most rejected payouts.
| Field | Type | Required | Validation rule | Why |
|---|---|---|---|---|
| Account holder name | Text | Yes | 2 to 140 characters · edges trimmed | Must match the name verified on your ID exactly. A mismatch gets the transfer rejected. |
| IBAN | IBAN | Yes | IBAN format: 2 country letters, 2 check digits, then the national identifier · upper-cased | No spaces. We validate the checksum before confirming your order. |
The rules shown are the ones actually enforced: there is no “marketing” version of this table differing from the code.
Countries where this rail can pay you
Each country page ranks the rails available there by delay and adds the local reporting framework.
The 18 assets you can sell to Wise
The asset does not change how the rail works: it changes the confirmation time before the payout leaves, and the spread applied.
- Tether → WiseUSDTStablecoin: no volatility surcharge
- Bitcoin → WiseBTCVolatile asset: volatility surcharge applies
- Ethereum → WiseETHVolatile asset: volatility surcharge applies
- USD Coin → WiseUSDCStablecoin: no volatility surcharge
- Litecoin → WiseLTCVolatile asset: volatility surcharge applies
- Solana → WiseSOLVolatile asset: volatility surcharge applies
- XRP → WiseXRPVolatile asset: volatility surcharge applies
- Tron → WiseTRXVolatile asset: volatility surcharge applies
- BNB → WiseBNBVolatile asset: volatility surcharge applies
- Dogecoin → WiseDOGEVolatile asset: volatility surcharge applies
- Cardano → WiseADAVolatile asset: volatility surcharge applies
- Avalanche → WiseAVAXVolatile asset: volatility surcharge applies
- Stellar → WiseXLMVolatile asset: volatility surcharge applies
- Toncoin → WiseTONVolatile asset: volatility surcharge applies
- Bitcoin Cash → WiseBCHVolatile asset: volatility surcharge applies
- Dai → WiseDAIStablecoin: no volatility surcharge
- Polygon → WisePOLVolatile asset: volatility surcharge applies
- Chainlink → WiseLINKVolatile asset: volatility surcharge applies
Keep going
The catalogue’s three entry points lead to the same place by different routes.
Frequently asked questions about Wise
How fast does Wise credit my account?
about 30 minutes in half the cases, and up to 12 h in the slowest ones. This rail runs continuously, weekends and holidays included. These are market orders of magnitude, not a contractual commitment.
What are the minimum and maximum amounts on Wise?
Between €20.00 and €100,000 per operation, in Euro. These bounds belong to the rail itself. An amount above the cap is split into several payouts, which multiplies any fixed fee accordingly.
What does a Wise payout cost?
No rail fee for the rail itself. That amount appears as its own line in the breakdown, next to the network cost taken from your deposit and our spread. The lines sum to exactly the gap between the mid-market value and what you receive.
What do I need to provide to receive on Wise?
2 fields: Account holder name, IBAN. Every format is validated before the order is accepted, not at send time: a typo is flagged immediately, not three days later as a rejection.
Which assets can I sell to Wise?
18 assets are offered on this rail. The asset does not change how the rail works: it changes the confirmation time before the payout leaves, and the spread applied depending on whether the asset is stable or volatile.
Any pitfall to know about Wise?
A Wise euro IBAN is not necessarily domiciled in your country of residence. That is not a problem for the transfer, but the holder name must match your identity verification exactly.