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View AllEuropean IBAN — no EU entity required
Receive EUR via SEPA from clients across 36 European countries. Funds auto-convert to USDC in your Copperx account — no EU incorporation, no crypto-origin freezes.
How the EUR virtual account works
Open a Copperx account
Sign up and complete verification in about 5 minutes. No country-specific entity required.
Get your IBAN
Receive a dedicated EUR IBAN you can share with clients, marketplaces, and platforms anywhere in the SEPA area.
Accept SEPA payments
Clients send EUR to your IBAN the same way they'd pay any European supplier. No explanation needed to their bank.
Auto-convert to USDC
EUR deposits convert to USDC and land in your Copperx account. Hold dollars, spend with the Corporate Card, or off-ramp globally.
Who uses the EUR virtual account
Non-EU founders needing an IBAN
Open a European IBAN without an EU entity, EU residence, or local tax ID.
Freelancers invoicing EU clients
Send an IBAN, not an exchange address. Clients pay via SEPA like any domestic vendor.
Crypto-native businesses
An IBAN that doesn't freeze crypto-origin funds or delay SEPA deposits for manual review.
Limits & coverage
SEPA Credit Transfer
Transfers above €1,000,000
Limits reflect current rail policy and may be reviewed per account. Contact sales for high-volume or enterprise flows.
Also available in 5 more currencies
See all corridors →Frequently asked questions
No. Copperx is available to individuals and businesses in 90+ countries. You can open a EUR virtual account with an IBAN without incorporating in the EU.
Standard SEPA Credit Transfer is our default (same-day). SEPA Instant availability depends on the sender's bank and the transfer size; most transfers settle within hours.
Transfers above €1,000,000 are routed via the SEPA credit rail and typically settle the next business day.
No. Clients send a standard SEPA transfer to an IBAN. There's no crypto reference on the payment instruction the sender's bank sees.
Yes. EUR deposits convert to USDC at a transparent rate and credit to your Copperx account. You can spend in dollars, off-ramp to another currency, or hold.
Yes. Copperx works with regulated European payment partners, meets AML/KYC standards, and secures stablecoin balances with institutional custody and real-time fraud monitoring.
