> ## Documentation Index
> Fetch the complete documentation index at: https://devdraft.ai/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# European (IBAN & SEPA)

> Step-by-step guide to adding a European bank beneficiary on Devdraft, so you can send payouts via SEPA using their IBAN and BIC.

> [!NOTE]
>
> European beneficiaries are paid via **SEPA** using their IBAN and BIC — there's no separate payment rail to choose, unlike US Account beneficiaries.

## Watch: How to Add a EUR Beneficiary on Devdraft | SEPA & Eurozone Transfers

[YouTube video player](https://www.youtube.com/embed/aqs76nMv4OU)

## What You Need Before You Start

Have the following ready before you begin:

| Info | Notes |
| - | - |
| **Owner type** | Whether the beneficiary is an **Individual** or a **Business** |
| **Beneficiary name** | Name exactly as it appears on the bank account |
| **Bank name** | e.g. Yes Bank |
| **Country** | The country where the recipient's bank is located |
| **Recipient relationship** | Your relationship to this recipient (e.g. Employee, Independent contractor) |
| **IBAN** | The recipient's International Bank Account Number |
| **BIC** | The recipient's Bank Identifier Code |
| **Billing address** | Street address, city, postal code, and state/province on file with the bank |

## Steps

**1. Start Adding a Recipient**

From the **Recipients** tab, tap the **+** icon in the top-left corner.

**2. Choose the Recipient Type**

The **Add Recipient** popup opens with four destination types: **International bank**, Stablecoin wallet, Zambia bank, and Zambia mobile money.

Select **International bank**.

**3. Choose the Country / Account Type**

A second **Add Recipient** screen lists the supported account types:

* US Account — ACH & Wire, routing + account number
* **European (IBAN) — SEPA, IBAN + BIC**
* Mexican (CLABE) — 18-digit CLABE account number
* Brazilian Account — PIX, PIX Safe & TED
* Argentine Account — Transfers 3.0 (CVU, CBU or alias)
* Colombian Account — ACH Colombia bank transfer
* International SWIFT — Cross-border wire via SWIFT/BIC

Select **European (IBAN)**.

**4. Owner Details (1/2)**

The **Owner** screen collects who the beneficiary is. Start by selecting **Account Owner Type**: **Individual** or **Business**. The fields below change depending on your selection.

> [tab] Individual
>
> | Field | Required | Notes |
> | - | - | - |
> | **Account Owner Type** | Yes | Select **Individual** |
> | **Display name** | Optional | Only visible to you — e.g. *"Wise EUR account"* |
> | **Beneficiary name** | Yes | Name exactly as it appears on the bank account |
> | **Bank Name** | Yes | e.g. Yes Bank |
> | **Country** | Yes | The country where the recipient's bank is located |
> | **Recipient Relationship** | Yes | Your relationship to this recipient |

> [tab] Business
>
> | Field | Required | Notes |
> | - | - | - |
> | **Account Owner Type** | Yes | Select **Business** |
> | **Business Name** | Yes | The registered business name |
> | **Beneficiary name** | Yes | Name exactly as it appears on the bank account |
> | **Bank Name** | Yes | e.g. Yes Bank |
> | **Country** | Yes | The country where the recipient's bank is located |
> | **Recipient Relationship** | Yes | Your relationship to this recipient (e.g. Independent contractor) |

> [!NOTE]
>
> Unlike the US Account flow, there's no **Account Category** field here — instead you select the recipient's **Country**, since a European (IBAN) beneficiary can be based in any SEPA country.

Once all required fields are filled in, tap **Continue** to proceed to Bank Details.

**5. Bank Details (2/2)**

The final screen collects the recipient's actual bank account and billing address:

| Field | Required | Notes |
| - | - | - |
| **Account Number** | Yes | The recipient's IBAN |
| **BIC** | Yes | The recipient's Bank Identifier Code (SWIFT/BIC), e.g. `DEUTDEFFXXX` |
| **Street Line 1** | Yes | Billing street address |
| **Street Line 2** | Optional | Apartment, suite, or unit number |
| **City** | Yes | Billing city |
| **Postal Code** | Yes | Billing postal code |
| **State/Province** | Yes | Select from the state/province picker |

> [!NOTE]
>
> Double-check the IBAN and BIC before submitting — an incorrect number is the most common reason a payout fails or is misdirected.

Once every field is complete, tap **Add Bank Beneficiary** to save the recipient.

## What Happens Next

Once saved, the beneficiary appears on the **Recipients** screen with a **Bank** label under their name, and is ready to receive a SEPA payout.


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