Is Bit2Me Pay a regulated remittance service?

Bit2Me Pay lets verified users send supported crypto assets — including MiCA-regulated stablecoins — to other users by alias, email or phone. Bit2Me operates as a CASP under EU MiCA. Transfers are subject to our terms, verification and applicable limits.

What is the maximum I can send?

You can send up to €2,000 (crypto equivalent) per Pay transfer to another user, subject to account verification and product limits.

Which stablecoins can I use for remittances?

You can send supported stablecoins available in your Bit2Me wallet, including MiCA-regulated EMTs such as USDC and EURC where listed.

How fast do remittances arrive?

Pay transfers between Bit2Me users are credited instantly once submitted. If the recipient does not have an account, they have 7 days to register and claim the transfer.

Can I send money to someone without a Bit2Me account?

Yes. Send using their email or phone. They receive a notification and invitation; funds are reserved for 7 days until they create and verify an account.

How much does it cost to send remittances with Bit2Me Pay?

Bit2Me Pay charges no commission for transfers between Bit2Me users. You only pay the network or conversion costs that apply to your chosen asset. Traditional remittance providers often charge 3–8% plus flat fees — our calculator shows indicative savings.

Is Bit2Me Pay safe for international transfers?

Bit2Me is a MiCA-licensed CASP supervised by the CNMV. Pay transfers require a verified account, apply transparent limits and use regulated EMT stablecoins where available. Funds are held on Bit2Me infrastructure with industry-standard security controls.

Which countries can I send remittances to from Spain?

You can send to any verified Bit2Me user worldwide. Popular corridors from Spain include Mexico, Colombia, Argentina, Venezuela, Peru, Ecuador, Dominican Republic, Brazil, Morocco, Nigeria, Philippines and India — see the corridors section for delivery times and indicative savings.

Do I need identity verification to use Bit2Me Pay for remittances?

Yes. Both sender and recipient need a verified Bit2Me account to send and receive Pay transfers. Verification helps us comply with AML rules and protect your funds. Limits depend on your verification level and product settings.

What is the difference between Pay remittances and a traditional wire transfer?

Traditional wires can take days and include opaque FX spreads and fees. With Bit2Me Pay you send regulated stablecoins to another user by phone, email or alias — typically in under a minute, with transparent limits and no Pay commission between users.

Can I fund remittances with euros or only stablecoins?

You can top up your Bit2Me account with euros via bank transfer (PSD2) or use crypto you already hold, then convert to a supported stablecoin such as USDC or EURC before sending via Pay.

What happens if the recipient does not claim the transfer within 7 days?

If the recipient has no Bit2Me account, funds are reserved for 7 days while we notify them by email or SMS. If they do not register and verify in time, the reserved amount is returned to your wallet according to our Pay terms.

Bit2Me Pay is a free service to transfer funds between users with an active and verified Bit2Me account. You can send any supported cryptocurrency to another verified user by alias, email or phone number.

Hoe ontvang ik het geld dat naar me is gestuurd via Bit2Me Pay?

Funds sent via Bit2Me Pay are credited automatically to the recipient Wallet when sent to their registered phone, email or alias. The recipient receives an email, SMS or in-app notification depending on the contact method used.

Hoe cryptocurrencies verzenden via Bit2Me Pay?

To send crypto via Bit2Me Pay: open Operations, select Withdraw, choose Send crypto, pick Send to a Bit2Me user, select the asset, enter the amount and recipient contact (phone, email or alias), then confirm the transfer.

Bit2Me Pay|Regulated remittances · MiCA

Send money abroad in minutes — 0€ Pay fee

Reach family anywhere with MiCA-regulated stablecoins. No bank details needed — just their phone, email or alias. Everyday P2P payments included.

Start sending for free See how it works

Send money abroad in minutes — 0€ Pay fee

Operational since 2014

First Spanish Fintech to obtain the MiCA License

Operational since 2014

First Spanish Fintech to obtain the MiCA License

Legal compliance certifications

Security Certifications

The best crypto exchange

Compare before you send

See what you save vs traditional remittances

You send from Spain

You send

Destination

Stablecoin

They receive

576,04 USDC

Bit2Me Pay fee: 0,00€
Typical remittance fee (est.): ~17,50€
Estimated savings: ~17,50€
Estimated delivery: < 1 minute

Send and save now

Traditional remittance fees are indicative estimates for comparison only. Actual costs may vary by provider and corridor.

Pay transfers up to €2.000 per send (crypto equivalent).

Simple as messaging

Your remittance in 4 quick steps

Top up your account

Add euros by bank transfer (PSD2) or use crypto you already hold.

Choose a regulated stablecoin

Select a MiCA-regulated EMT such as USDC or EURC.

Send by alias, email or phone

Enter their phone, email or alias — no wallet addresses to copy.

They receive instantly

They receive in minutes. New to Bit2Me? We notify them to claim.

Create free account

Side by side

Less cost than banks and remittance apps

Feature
Feature	Bit2Me Pay	Banks & remittance apps
Send fee
Delivery time
Available 24/7
EU MiCA regulated
Send by phone or email
Clear transfer limits

Traditional provider figures are indicative estimates for comparison purposes.

From Spain to the world

Where your family receives in minutes

Popular routes to Latin America, Africa and Asia — 0€ Pay commission, transparent limits and delivery in under a minute.

Latin America

Africa

Asia

Send to my family now

Everyday payments too

Wat is Pay?

Het directe betalingssysteem met crypto dat al door duizenden mensen wordt gebruikt

Verzend betalingen tot 2.000€ (equivalent in crypto) naar elke gebruiker met hun alias, e-mail of telefoonnummer. Als ze geen account hebben, nodig ze dan moeiteloos uit!

Zonder kosten of wachttijden

De verzending is gratis en direct.

Verzend met een alias, e-mail of telefoon

Je hebt geen ingewikkelde wallets nodig.

Nodig nieuwe gebruikers eenvoudig uit

De contact ontvangt je betaling + uitnodiging.

Real situations

Built for remittances — and daily life

Support family abroad or split a bill with friends. One Pay account, 0€ fee between users.

Everyday with friends

Geniet van de voordelen

Totale controle

Jouw geld, jouw regels

Zodra je de fondsen ontvangt, heb je de volledige controle om ze te gebruiken zoals je wilt: investeren, betalen in winkels met de Mastercard, of ze over te maken naar je bankrekening.

Your money, protected

Send with a MiCA-licensed provider

MiCA CASP licence

Bit2Me is authorised as a Crypto-Asset Service Provider by the CNMV under EU MiCA — the same framework that governs regulated stablecoins.

EMT stablecoins

Use electronic money tokens under the European framework for predictable cross-border value transfer.

PSD2 & EDE infrastructure

Bank-grade fiat infrastructure with a Bank of Spain-supervised electronic money institution for payment accounts and card.

See how we protect your funds

Pay brengt je dichterbij

Met elke betaling heb je de kans om meer te verdienen

Heeft je contact nog geen account? Geen probleem. Nodig hem uit en wanneer hij zich aanmeldt, ontvangt hij automatisch je verzending. Bovendien verdien je beloningen voor het verwijzen naar Bit2Me.

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Klaar om crypto te verzenden zoals nooit tevoren?

Transformeer de manier waarop je betalingen in je dagelijks leven doet.

Eerste verzending doen

Got questions?

Stuur en ontvang cryptocurrency zonder Pay-commissies

Answers about regulated stablecoin remittances, limits, speed, security and everyday P2P payments with Bit2Me Pay.

International remittances

Everyday P2P payments

Om een betaling te ontvangen via Bit2Me Pay moet je een geregistreerd en geverifieerd gebruikersaccount hebben. Als je een betaling hebt ontvangen en geen account hebt, blijven de fondsen 7 dagen aan je e-mailadres of telefoonnummer toegewezen. Je hebt deze periode (7 dagen) om een account aan te maken met het e-mailadres of telefoonnummer waarmee je de melding hebt ontvangen. Zodra je je account hebt aangemaakt en geverifieerd, worden de uitstaande fondsen automatisch aan je toegewezen.

De fondsen die via Bit2Me Pay worden verzonden, worden automatisch bijgeschreven op de wallet van de ontvanger.

Om ervoor te zorgen dat deze verzendingen automatisch worden toegewezen, is het noodzakelijk dat de verzending wordt gedaan naar het telefoonnummer, e-mailadres of alias waarmee het ontvangende account bij Bit2Me is geregistreerd.

Wanneer er fondsen worden verzonden via Bit2Me Pay, ontvangt de ontvanger een e-mail (als deze is verzonden naar het e-mailadres), een SMS (als deze is verzonden naar het telefoonnummer) of een melding in het ontvangende account als deze is verzonden naar het alias, waarin wordt geïnformeerd over de ontvangen storting.

Om cryptocurrencies te verzenden via Bit2Me Pay, moet je de volgende stappen volgen:

1. Klik op de knop voor transacties (blauwe vierkant) die je vindt in het horizontale menu onderaan het scherm als je toegang hebt via de app, of in de rechterbovenhoek als je toegang hebt via het web.

2. Van de beschikbare opties, klik op "Opnemen".

3. Selecteer "crypto verzenden".

4. Kies de optie "Stuur naar Bit2Me-gebruiker".

5. Kies de cryptocurrency die je wilt verzenden uit de lijst.

6. In het formulier dat verschijnt, moet je aangeven:

Het bedrag dat je wilt verzenden. Je kunt op Max. klikken als je het volledige saldo van de geselecteerde munt wilt verzenden.
Selecteer een verzendoptie: Telefoonnummer, e-mailadres of gebruikersalias.
Geef de gegevens op die overeenkomen met de verzendoptie die je hebt geselecteerd.

7. Klik op de knop VERZENDEN

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