Deposit via SEPA

Add money from your bank in EUR. Use the current instructions in Peanut and receive a digital-dollar balance.

Create an account

A one-off bank top-up lets you add money from your own account. Use the reference from Peanut to match the payment to your balance.

• The one-off top-up minimum is 1 EUR. Follow the minimum displayed in the app.
• Use the current bank details and exact reference from Peanut. The reference matches the payment; the amount can differ, and what arrives is credited.
• Send from a bank account in your own name. To receive a client payment, use account details instead, as explained below.

Add money by SEPA

1. 1

   Open a bank deposit

   In Peanut, open Deposit and choose bank transfer. Select EUR and the available method.

2. 2

   Copy the instructions

   Copy the IBAN, beneficiary details and exact reference shown for this payment. Send EUR only.

3. 3

   Send from your bank

   Enter the details in your bank app. Check the reference, amount and any bank charges, then confirm. Keep the receipt.

4. 4

   Check your balance

   Wait for bank processing and Peanut balance credit. A completed bank transfer and credited balance are separate stages.

EUR converts to digital dollars. Peanut adds no receiving fee; the conversion cost is included in the exchange rate. Your bank may charge for sending.

The route estimate is 90% under 20 minutes. Standard SEPA follows business days; SEPA Instant can run outside them. Bank checks can delay balance credit.

Bank deposits require identity verification and account checks. Access depends on verified residence; having bank details does not establish access. If the app says “not available where you live,” check the bank deposit guide.

For a client or employer payment, use the EUR account guide. Reusable account details have different payer rules from a one-off top-up.

If a deposit is missing, keep the receipt and follow the deposit help guide.