> ## 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.

# Overview

Before you can send a payout to someone in Europe, you need to add them as a recipient and provide their IBAN and BIC. This guide walks through the full flow — from tapping **+** on the Recipients screen to submitting a completed European bank beneficiary.

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

***

## 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 |

***

## Step 1 — Start Adding a Recipient

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

***

## Step 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**.

***

## Step 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)**.

***

## Step 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.

<Tabs>
  <Tab title="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>

  <Tab title="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) |
  </Tab>
</Tabs>

<Info>
  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.
</Info>

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

***

## Step 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.
</Note>

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.

***