Send and receive money to Estonia quickly and securely with Due. Enjoy low fees, instant transfers, and fair exchange rates, all from one simple, global platform.
Minimal processing fees
Pay less than 0.5% to send or receive money internationally, far below the 4–6% charged by banks and payment processors.
Faster settlement
Get your transfers to or from Estonia settled instantly in EUR or USDC, or within 24 hours via SEPA or SWIFT.
Fair FX rates, always
Access real market exchange rates and avoid hidden margins or inflated conversion spreads.
Flexible funding
Top up your Due account with bank transfers, mobile wallets, or stablecoins.
Virtual account numbers
Get local EUR account details in Estonia to receive payments, make conversions, or withdraw globally.
Non-custodial security
Your funds are protected with biometric security, giving you full ownership and control through a self-hosted wallet.
Mobile money
Send EUR instantly through mobile banking apps connected to SEPA Instant.
Local bank transfers
Transfer to Estonian or EU accounts via SEPA or SEPA Instant, with instant or same-day settlement.
SWIFT international transfers
Send USD, GBP, or EUR globally through SWIFT, with transparent FX and full tracking.
Stablecoin transfers
Fund in USDC, USDT, or EURC, convert at institutional FX, and settle locally in EUR.
Real‑time payment methods
Use SEPA Instant for 24/7 domestic and EU-wide EUR transfers.
Mobile wallets
Pay via bank-linked wallets or digital apps (Apple Pay, Google Pay), with immediate EUR settlement.
Mobile money
Receive EUR instantly through SEPA Instant-enabled mobile and online banking apps.
Local bank transfers
Get paid via SEPA or SEPA Instant, credited instantly or same day to your Estonian account.
SWIFT international transfers
Receive USD, GBP, or EUR via SWIFT, converted at fair, transparent FX rates.
Stablecoin transfers
Accept USDC or EURC, auto-converted to EUR and deposited securely.
Real‑time payment methods
Enjoy fast 24/7 settlements through SEPA Instant, supported across Estonia’s digital banking system.
Mobile wallets
Receive payments directly into bank-linked wallets for quick, secure access to EUR funds.
Global compliance & trust you can always rely on
Licensed & regulated
We follow strict financial regulations, so your transfers meet international compliance standards.
KYC & AML protection
All accounts are verified to prevent fraud, ensuring your money moves safely and legally.
Data privacy first
Our processes align with international banking and payment rules, giving you trusted worldwide access.
Transfer money worldwide at internet speed with stablecoins – fast, simple, and secure in just three steps.

Open your account
Complete onboarding/KYC to enable EUR delivery to Estonia.
Fund & lock your quote
Top up by bank or stablecoins; confirm the real-time rate you’ll get.
Send money
Choose SEPA Instant or SEPA, add recipient details, and track every hop.
FAQ: sending money to Estonia
You can send funds through SEPA, SWIFT, or USDC transfers, or top up your Due account using local bank transfers. Payments can reach recipients in Estonia instantly or within 24 hours, depending on the method.
Yes. Due supports full EUR functionality, letting users send, receive, and hold euros through local virtual accounts or international transfers.
Transfers in EUR via SEPA or USDC are typically instant, while SWIFT payments from outside the EU settle in under 24 hours.
Yes. With Due, you can receive money globally into your virtual EUR account, convert it instantly at fair FX rates, or withdraw directly to your Estonian bank account.
Absolutely. Due uses non-custodial, biometric security, giving you full ownership and control of your funds in a self-hosted wallet.



