SEPA Instant Payments
in Germany
24/7 SEPA Instant Credit Transfer for euro payments up to €100,000.
SEPA Instant in Germany
Euro · EUR
Contractor must provide their IBAN and BIC.
Payment Journey
You fund in USD, stablecoin, or BTC — your contractor in Germany chooses how they receive it.
Fund your Bitwage Balance
USD via wire/ACH/FedNow, stablecoin (USDC/USDT), or BTC. Fund once — use for all payments.
Create a payment run
Add your Germany contractor(s) to a batch or individual payment. Set the amount in USD — Bitwage handles everything else.
Converts & delivers via SEPA Instant
FX rate locks at approval. Bitwage converts USD → local currency and routes the payment via SEPA Instant. Compliance screened automatically.
Funds arrive via SEPA Instant
Settlement: < 10 seconds. Fees: 0–0.3%. Contractor can also choose USDC, USDT, or Bitcoin instead — they set their preference once.
How SEPA Instant Works in Germany
Bitwage submits a SEPA Instant Credit Transfer instruction to the EBA clearing system. The receiving bank credits the contractor's account in under 10 seconds.
Compliance & Security
German contractors are subject to Einkommensteuer (income tax) and must issue invoices for freelance services. Bitwage collects W-8BEN for US tax purposes and screens payments against EU and OFAC sanctions lists.
Germany uses the Euro, eliminating FX conversion for EUR-denominated contracts. For USD-funded payments, Bitwage locks the USD/EUR rate at execution to prevent settlement slippage.
Other Payment Methods in Germany
SEPA Instant in Germany FAQ
Common questions about SEPA Instant payments, settlement, fees, and requirements.
SEPA Instant payments to Germany typically settle in < 10 seconds. Bitwage locks your FX rate lock at execution time so recipients receive exactly the amount shown in the payment preview.
Bitwage charges 0–0.3% for SEPA Instant payments to Germany. There are no hidden per-transfer fees beyond the displayed rate. You can see the full cost breakdown before executing via our {{link:products/contractor-payments}} platform.
Contractor must provide their IBAN and BIC. Bitwage validates all payment details before executing. For batch payments to multiple contractors, use {{link:products/masspay}} to upload a CSV with all recipient details at once.
Yes. With {{link:products/masspay}} you can include any number of Germany-based contractors in a single payment run, mixing SEPA Instant with other local rails. All FX conversions are locked at batch payment processing execution time.
Related Resources
Start Sending SEPA Instant Payments to Germany
Settlement in < 10 seconds. Fees from 0–0.3%. OFAC screened on every payment.