Topping up your ARQ account using euros (EUR) is quick and easy. Here we explain the steps to add digital euros to your account.
How does it work?
Euro account details:
ARQ provides you with an IBAN in Europe in your own name
You can receive and send euros through SEPA transfers.
Once the transfer is complete, the amount sent is automatically converted to digital euros in your ARQ balance.
Whose name do I use as the recipient?
Use your own full name (as registered with ARQ) as the beneficiary when sending a SEPA transfer to your Euro Account Details. European banks verify that the recipient name matches the account, so using a different name may trigger a warning or delay at the sender's bank.
If you saved your ARQ details before September 2, 2026: your saved recipient may show our banking partner's name instead of yours. Please update the saved recipient name to your own name. Transfers addressed the previous way will continue to be accepted until October 1, 2026, after which they may be rejected or returned.
Steps to add balance using euros to your account
Get your account details:
Go to the Receive tab in the app and select Euros
Get your Euro account details.
Add digital euros:
In the Receive tab, select Euros.
After completing step 1, you'll be able to view your Euro Account Details
Send the transfer:
Use the IBAN to receive your euros via SEPA transfer from any bank in Europe.
Receive your balance:
The amount will be credited to your ARQ account within the next 10 minutes.
Example of adding euros
Amount sent: 1,000 EUR
Transaction fee: 3 EUR
Amount received: 997 digital euros (EURc) in your ARQ balance
What to do if the transaction is delayed?
Transfers in EUR are usually processed quickly (up to 30mins), but may take up to 24-48 business hours (i.e. excluding weekends and national holidays) to clear.
If the estimated timeframe has passed and the amount hasn't been credited:
Verify the transfer status with your bank.
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