Receive money from the Netherlands with Peanut

A business in the Netherlands can pay your own Peanut EUR account by SEPA. A friend or family member sends you a funded Peanut Link. You receive digital dollars.

Create an account

You can receive money from the Netherlands into your Peanut balance. A business, such as an employer, a client or a platform, pays your Peanut EUR account from its bank by SEPA. It does not need a Peanut account. Another private person cannot pay a EUR account: the bank returns the transfer. A friend or family member sends you a funded Peanut Link instead.

You open the EUR account once in the app, after identity verification, and reuse its details. Residents of the UK, New York and a few restricted countries cannot open one. The details carry no reference and no amount to match. See who can pay into my account.

How to receive money from the Netherlands

Receive money from the Netherlands

1. 1

   Open the account

   Open Peanut and complete identity verification. Go to Accounts → Open new account and open a EUR account.

2. 2

   Share the details with the business

   Send the IBAN and details shown in the app to the business that pays you. For a friend or family member, ask them to create and fund a Peanut Link instead.

3. 3

   Get paid or claim the Link

   The business pays from its bank. No reference is needed, and any amount above the minimum works. With a Link, open the funded Link the sender shares and claim it.

4. 4

   Use the credited balance

   Once credited, hold the digital dollars, withdraw through an available route, or use a supported payment flow in Argentina or Brazil.

The direct bank route

The practical bank route from the Netherlands is EUR through SEPA into your Peanut EUR account. Your own bank account and businesses can pay it, with no limit. A payment from another private person is returned to them. The minimum is €1.

A SEPA payment usually arrives the same business day, at most in two. This is an estimate, not a guarantee. Bank schedules, compliance checks, and incorrect details can add time.

The Peanut Link alternative

A Peanut Link starts with the sender. The sender funds their Peanut balance, creates the Link, and sends it to you. You open it and claim the full amount. A claim into a Peanut account is instant once the Link is funded, but that does not make the sender's earlier funding instant.

Creating a Link and claiming it into Peanut are free. One side of the Link transfer must meet the applicable verification rule. Pix and Mercado Pago are not direct Link-claim destinations; claim into Peanut first, then start a supported payment from your balance.

Use the received balance

In Argentina, an appropriately verified account can pay supported Mercado Pago merchant QRs. In Brazil, an appropriately verified account can pay supported Pix merchant QRs or use the separate Pix-key payment flow. Review the local amount, exchange rate, and digital-dollar debit before confirming.

Passport verification can support merchant QR payments without an Argentine or Brazilian bank account. Local bank deposits and withdrawals follow stricter rules: ARS routes require Argentine residence and the relevant local tax ID; BRL routes require Brazilian residence and CPF, and first-party withdrawals go to the user's own account.

Costs to check

EUR is converted into digital dollars, so review the all-in rate shown in Peanut. Opening and keeping the account is free, and Peanut adds no fee on money paid in. The sender's bank may charge its own transfer fee.

A supported-network deposit is another option when both people use the same currency, network, and address shown in Peanut. Peanut covers deposit processing, while the sender's wallet or exchange may charge a withdrawal fee. Do not assume every network transfer credits at exactly 1:1.