SEPA Instant Payments
in Italy
24/7 SEPA Instant Credit Transfer to Italian bank accounts.
SEPA Instant in Italy
Euro · EUR
Contractor must provide their Italian IBAN and BIC.
Payment Journey
You fund in USD, stablecoin, or BTC — your contractor in Italy 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 Italy 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 Italy
Bitwage submits a SEPA Instant instruction through the EBA RT1 or TIPS system. EUR is credited to the contractor's Italian account in seconds.
Compliance & Security
Italian freelancers (libero professionista or partita IVA) must register a VAT number (P.IVA) and issue electronic invoices (fattura elettronica) via the SDI system. Bitwage screens all payments against OFAC and EU sanctions lists.
Italy uses the Euro, eliminating FX risk for EUR-denominated contracts. Bitwage locks USD/EUR at execution for USD-funded payments.
Other Payment Methods in Italy
SEPA Instant in Italy FAQ
Common questions about SEPA Instant payments, settlement, fees, and requirements.
SEPA Instant payments to Italy 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 Italy. 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 Italian 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 Italy-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.
Start Sending SEPA Instant Payments to Italy
Settlement in < 10 seconds. Fees from 0–0.3%. OFAC screened on every payment.