Everyday bills
Pay bills with crypto, on time and with the right reference.
Paying bills with crypto means sending each creditor a SEPA transfer in euros, from a Belgian IBAN in your own name, with the reference that lets them match your payment.
- Any creditor with an IBAN
- Your customer reference included
- One receipt per bill
- Due date
- 5 Nov
- Payee IBAN
- FR76 •••• •••• 4410
- Reference to quote
- 2026-3563
€86.40
Paid by SEPA transfer
The reference, bill by bill
Pay bills with crypto: which reference to use?
Your creditor matches each transfer to your account through the reference. It appears on the bill, usually next to the IBAN to pay.
| Bill | Reference to enter | Where to find it |
|---|---|---|
| Energy: electricity, gas | Customer or contract number | At the top of the bill or on the payment schedule |
| Telecoms: mobile, internet | Account or line number | On the monthly bill |
| Insurance: home, health, car | Contract or policy number | On the premium notice |
| School fees | Pupil’s name and invoice number | On the school’s invoice |
| Medical: clinic, practitioner | Invoice or file number | On the fee note |
Copy the reference exactly, digits, letters and symbols included: one character too many or too few can delay the allocation of your payment.
Fixed amounts
A fixed monthly amount? Schedule it once
A monthly energy instalment, an internet plan, an insurance premium paid monthly: when the amount does not change, a scheduled transfer goes out on the day you choose, with the same reference.
For a variable bill, such as a year-end adjustment or medical fees, send a one-off transfer when it arrives instead. Either way, the payee name is checked before sending.
Just make sure enough euros are in the account before each scheduled date.
ToÉnergie Ouest€86.40
- 14 OctSent
- 14 NovNext transfer
- 14 DecScheduled
- 14 JanScheduled
Organisation
One monthly routine for all your bills
Amounts change from month to month; the method stays the same.
-
List what is due
Start of the month
At the start of the month, note each bill’s amount, deadline, IBAN and reference.
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Convert in one go
Price shown upfront
Deposit and convert the month’s total: one quote to check, and network fees paid once rather than on every deposit.
-
Send before the deadline
By next business day
A SEPA transfer is credited by the next business day at the latest: send at least one business day before each deadline.
-
File the receipts
End of the month
Each transfer has a PDF receipt, and the monthly statement sums it all up. Handy if a reminder arrives.
Before you send
Good habits, and mistakes to avoid
Do
- Take the IBAN from the bill or your customer account
- Copy the reference as it is
- Pay each bill with its own transfer
- Keep the receipt until the next bill
Avoid
- Paying an IBAN received by email without checking it
- Grouping two bills under one reference
- Converting the day before a deadline
- Ignoring a “no match” result on the name
Simulator
How much to send to pay a bill?
Enter the bill amount and the asset you use: you see what you send, the fees and what your creditor receives. The full fee breakdown is on our pricing page.
- Live rate. The simulator follows the public rate of a major exchange, refreshed every minute.
- Firm price before you confirm. The exact crypto amount is shown before you approve.
- 1% all-in. No hidden FX spread, no subscription.
Live rates, refreshed every minute
Questions about paying bills
My supplier insists on direct debit. What can I do?
CryptoIBAN works with SEPA transfers that you send yourself. Ask your supplier whether you can pay by transfer, and note the IBAN and reference to use. If the amount is fixed, you can then schedule the transfer.
Can I pay a bill issued in another country?
Yes, if the creditor has an IBAN in one of the 41 SEPA countries. Within the EU, they cannot refuse your transfer because of the country of your IBAN (Regulation 260/2012, art. 9).
Does the creditor receive the exact amount of the bill?
Yes. The 1% fee applies to the conversion, not to the transfer, which costs €0. The euro amount you send is the amount that arrives.
I forgot the reference. What now?
Contact the creditor with the PDF receipt: the date, the amount and your name let them trace the payment. Once executed, the transfer can no longer be cancelled on your side.
Is there a minimum amount per bill?
Yes, €10 per transfer. A phone bill goes through without any trouble.
Can I pay a child’s school fees?
Yes, if the school has an IBAN in the SEPA area. Enter the pupil’s name and the invoice number as the reference, and keep the receipt for the school file.
Your bills, paid in euros from your crypto
Enter your first and last name, then make an initial deposit of at least $500. Your IBAN is usable once the payment is confirmed.
- €0 to open
- No commitment
- Opened online