Virtual currencies, real risks. The only guarantee in crypto is risk. Risk warning
CryptoIBAN is not a bank. Crypto-assets are volatile and are not covered by deposit guarantee schemes.
Guides
Your rights when a foreign IBAN is refused, Verification of Payee, proving you own a wallet, MiCA and stablecoins, tax reporting for expats: each guide explains the rule, cites its official sources and gives you the concrete steps.
Featured
Has a supplier, a landlord or an employer rejected your IBAN because it comes from another country? That is IBAN discrimination, and in the European Union, Article 9 of Regulation (EU) 260/2012 forbids it. Here is what the rule says, what the figures show and how to respond, with a letter template you can use.
Library
Each guide shows when it was last updated and links to the official texts, which alone are authoritative.
Has a supplier, a landlord or an employer rejected your IBAN because it comes from another country? That is IBAN discrimination, and in the European Union, Article 9 of Regulation (EU) 260/2012 forbids it. Here is what the rule says, what the figures show and how to respond, with a letter template you can use.
Since 9 October 2025, before a euro transfer in the euro area, your provider compares the name you enter with the name of the IBAN’s account holder. Here is how Verification of Payee works, what each of its four results means and why pooled accounts cause problems.
All IBANs look alike: a country code, two check digits, a string of characters. Yet behind them there may be an account in your own name (named IBAN), a number that routes to a master account (virtual IBAN) or a platform’s account shared among its customers (pooled IBAN). Since Verification of Payee, the difference shows up with every transfer.
A Belgian IBAN for non-residents is possible: a BE IBAN is a euro-area IBAN like any other, and it cannot be refused in the EU because of its country. It does not change your tax residence or your reporting obligations, though. Here is what to know before you choose.
Turning crypto into euros to pay rent or an invoice by SEPA transfer takes only a few steps. The real cost hides in the details: the stated fee, the spread in the rate, network fees. Here is the full path, and the mistakes that cost the most.
Depositing crypto from your own wallet? Above €1,000, the provider receiving it must check that this self-hosted wallet is really yours. Nothing complicated: a signed message or a small test transfer is usually enough. Here is why, how, and the mistakes to avoid.
Not all stablecoins are equal in the eyes of EU law. Under MiCA, a compliant token and a non-compliant one no longer have the same future in the EU. This guide explains the difference between EMTs and ARTs, where USDC and EURC stand, and the exact scope of ESMA’s opinion of 8 October 2026.
An expat holding crypto? Living abroad does not put you beyond the reach of tax authorities, and that is not the point. This guide gathers what matters: tax residence, automatic exchange of information (DAC8, CRS, CARF), French forms 3916 and 3916-bis, Belgium’s 10% tax, and what a Belgian IBAN really changes. It informs; it does not replace tax advice.
When you are ready, request a Belgian IBAN in your name to pay rent, bills and contractors from your crypto.