Mo makes moving money across borders effortless. Instantly convert Euro (EUR) into digital dollars (USDC) and back again using EUR Virtual Accounts - with fair FX rates, near-instant settlement, and the option to keep your money in USDC to earn yield.
Onramp: Turn EUR into USDC or EURC (Digital Euro) in Minutes (min 1 EUR)
Deposit Euro (EUR) via SEPA. Your money converts directly into USDC with transparent rates and no hidden fees.
- SEPA Instant: Up to 5 minutes (24/7).
- SEPA Credit: 1-3 business days.
Once added, your USDC and EURC are ready to send, earn, or trade.
Offramp: Send USDC or EURC to EUR (min 1 EUR)
Cash out USDC or EURC via SEPA in minutes. Funds arrive directly in your Eurozone bank account - fast, fair, and hassle-free.
- SEPA Instant: Up to 5 minutes (24/7).
- SEPA Credit: 1-3 business days.
Keep It in Digital Dollars
Not ready to convert back to Euro (EUR)? Mo gives you the freedom to hold your remittance in USDC:
- Earn Yield: Yield opportunities for USDC, EURC, cbBTC and ETH with Mo Earn.
- Trade: Trade between USDC, EURC, cbBTC and ETH (available on Web and Android app) with Mo Trade.
Supported Countries & Territories
Mo supports Euro transfers across the entire SEPA network. You can send or receive EUR seamlessly if you have a bank account in one of these countries or territories:
- Aland Islands
- Albania
- Andorra
- Austria
- Azores
- Belgium
- Bulgaria
- Canary Islands
- Ceuta
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- French Guiana
- Germany
- Gibraltar
- Greece
- Guadeloupe
- Guernsey
- Hungary
- Iceland
- Ireland
- Isle of Man
- Italy
- Jersey
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Madeira
- Malta
- Martinique
- Mayotte
- Melilla
- Moldova
- Monaco
- Montenegro
- Netherlands
- North Macedonia
- Norway
- Poland
- Portugal
- Reunion
- Romania
- Saint Barthélemy
- Saint Martin (French part)
- Saint Pierre and Miquelon
- San Marino
- Serbia
- Slovakia
- Slovenia
- Spain
- Sweden
- Switzerland
- United Kingdom
- Vatican City
Why Use Mo for EUR?
- Both Directions: Deposit Euro (EUR) into Mo and withdraw back when you need.
- Fair & Transparent: Fair FX rates.
- Fast: SEPA Instant transfers complete in minutes.
- Flexible: Choose between keeping digital dollars or cashing out.
FAQs about EUR with Mo
How do I send or receive Euro (EUR) with Mo? Deposit EUR via SEPA into Mo, where it becomes USDC. You can then withdraw to a Eurozone bank account, or send USDC to friends and family using their Mo Box handler via Mo. They can choose to cash out in their local currency or hold USDC.
Are there any hidden fees? No. Mo charges a clear, transparent fee with fair FX rates—and it’s always free to send USDC between Mo users. See Mo Pricing.
Can I keep my money in USDC instead of converting back? Yes. You can earn yield with Mo Earn or trade via Mo Trade.
How long does a transfer take? Most SEPA Instant transfers complete within 5 minutes (24/7), and never more than 3 business days for standard SEPA transfers.
