New payment method

Bank account or crypto. One number.

You can now pay from your European bank account or from your crypto wallet. Either way, just type the recipient's phone number.

Download the appSee how it works
A person sends a NexEuro payment from their smartphone by typing a phone number
One single address

The phone number replaces the IBAN and the wallet address

The two big payment hurdles — copying a 27-character IBAN, or a 42-character blockchain address — disappear. NexEuro resolves the phone number to the right destination, whether it's a bank or crypto.

The recipient has nothing special to set up: they receive euros in their NexEuro account, just like any payment on the network.

NexEuro is not a digital-asset custody service and provides no investment advice. Conversions are carried out by a registered provider, within the framework of the European MiCA regulation.

Abstract illustration connecting a bank account and a crypto wallet

How it works

Three steps
01

Connect a source of funds

Your European bank account via Open Banking (PSD2), or your self-custody crypto wallet. You can connect both and choose at the moment of payment.

02

Enter a phone number

No IBAN, no 42-character wallet address to copy. The recipient's phone number is enough — it's the same identifier for both modes.

03

The recipient receives euros

Whatever the source, the payee receives euros in their NexEuro account. If they pay in crypto, the conversion to euros is intended to be carried out by a registered digital-asset service provider, with rate and fees shown before you confirm.

Two sources of funds, one experience

Comparison
Bank account — Available

SEPA Instant transfer

Settlement in under 10 seconds, 24/7, across the 36 SEPA-zone countries — Serbia included since May 2026. Free between individuals, no hidden fees.

Account connection via Open Banking (PSD2), strong authentication, no card number transmitted.

See the coverage →
Crypto wallet — Available

Crypto-funded payment

Pay from your self-custody wallet: you sign the transaction, the recipient is credited in euros. No volatility risk for them.

Conversion rate and fees shown before you confirm. No hidden fees, and NexEuro never holds your keys.

See pricing →
Selecting a contact by phone number in the NexEuro app
Security

The same high bar as a transfer

Strong authentication on every payment, end-to-end encryption, data hosted in Europe and GDPR-compliant. The phone number serves only as an identifier: it never appears on a public blockchain.

Euro operations fall within the scope of the electronic-money-institution licence being prepared with the ACPR. Digital-asset operations are handled by a registered provider, within the MiCA framework.

Learn more about security →

Frequently asked questions

Can I pay a merchant in crypto?
Yes, as long as the merchant accepts NexEuro. They're settled in euros in their NexEuro account: nothing changes in their accounting and they bear no volatility risk.
Is crypto payment free like a SEPA Instant transfer?
No. Peer-to-peer payments funded by a bank account stay free within the SEPA zone. A payment funded by a crypto wallet involves a conversion, so exchange and network fees, shown before every confirmation. No hidden fees.
Does NexEuro hold my crypto?
No. NexEuro is not a custodian. Your wallet stays yours: you sign the transaction from your wallet, and the conversion to euros is carried out by a registered digital-asset service provider.
Which cryptocurrencies are accepted?
Stablecoins pegged to the euro and the dollar, as well as the main assets held in a self-custody wallet. The exact list is shown in the app when you connect the wallet, and evolves with the MiCA framework.
How is the phone number protected?
The number only serves as a resolution identifier: it is never exposed to the blockchain network, and no wallet address is made public from the NexEuro directory.

Pay however you like

Bank account or crypto wallet: a phone number is all it takes.

Download the app →See the features