With ARQ, you can send euros via SEPA transfer to any bank account within the European Union. Follow these steps to make your transfers easily and securely.
Activate Your IBAN Account Details
First, you need to activate your IBAN account details in the app. These are required to send a transfer to Europe:
Open the app.
Go to the Send tab.
Tap on New Recipient and select Europe.
Complete the verification process by providing a valid Proof of Residence.
How to send euros via SEPA transfer?
Add a new recipient:
Open the app and go to the Send tab.
Tap on New recipient and select Europe.
Enter the recipient’s details, such as recipient type, name, IBAN, and, optionally, a nickname
Enter the amount:
Enter the exact amount you want to send to the recipient.
Confirm the transaction:
Review the details and confirm the transfer.
Considerations
Cost
All SEPA transfers to an account in Europe have a fixed cost of 3 EUR, regardless of the amount.
Time
At ARQ, we send all euro transfers via SEPA Instant, so if the recipient's bank is part of the SEPA Instant Payment scheme, the money usually arrives in under 10 minutes, any day of the year - weekends and holidays included.
If the recipient's bank doesn't support SEPA Instant or doesn't respond in time, the transfer is automatically sent as a standard SEPA transfer, which takes 1 to 3 business days to arrive. Weekends and bank holidays don't count toward this time.
Sender name
Your transfers arrive showing your own name as the sender. If you're paying a platform that keeps a list of approved senders (brokers, exchanges, marketplaces), make sure your name is on their list — if you registered with them before September 2, 2026, they may have our account provider's name approved instead