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.

Como recebo o dinheiro que me enviam por 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.

Como enviar criptomoedas através do 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

579,31 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 €2000 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

O que é Pay?

O sistema de pagamentos diretos com cripto que já é usado por milhares de pessoas

Envia pagamentos até 2.000€ (equivalente em cripto) a qualquer utilizador usando o seu alias, e-mail ou número de telefone. Se não tiver conta, convida-o sem esforço!

Sem comissões nem esperas

Os envios são gratuitos e instantâneos.

Envia com um alias, e-mail ou telefone

Não precisas de carteiras complicadas.

Convida novos utilizadores facilmente

O contacto recebe o teu pagamento + convite.

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

Desfrutar dos seus benefícios

Controlo total

Seu dinheiro, suas regras

Uma vez que recebas os fundos, tens o controlo total para usá-los no que decidires: investir, pagar em comércios com o cartão Mastercard, ou transferi-los para a tua conta bancária.

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 aproxima-te mais

Com cada pagamento tens a oportunidade de ganhar mais

O teu contacto ainda não tem conta? Não há problema. Convida-o e quando se juntar, receberá automaticamente o teu envio. Além disso, ganharás recompensas por o referires à Bit2Me.

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Pronto para começar a enviar cripto como nunca antes?

Transforma a maneira de fazer os pagamentos no teu dia a dia.

Fazer primeiro envio

Got questions?

Envia e recebe criptomoedas sem comissões Pay

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

International remittances

Everyday P2P payments

Para receber um pagamento através do Bit2Me Pay tens que ter uma conta de utilizador registada e verificada. Se te enviaram um pagamento e não tens conta, os fundos ficarão atribuídos ao teu e-mail ou telefone durante 7 dias. Disponibilizas desse prazo de tempo (7 dias) para criar uma conta com o e-mail ou telefone com o qual recebeste a notificação. Assim que criares e verificares a tua conta o sistema atribuir-te-á os fundos pendentes de forma automática.

Os fundos que são enviados através do Bit2Me Pay são creditados de forma automática na Wallet do destinatário.

Para que estes envios sejam atribuídos automaticamente é necessário que o envio seja realizado para o número de telefone, e-mail ou alias com o qual a conta destinatária está registada na Bit2Me.

Quando se enviam fundos através do Bit2Me Pay, o destinatário receberá um e-mail (se for enviado indicando o e-mail), um SMS (se for enviado indicando o número de telefone) ou uma notificação na conta destinatária se for enviado indicando o alias informando sobre o depósito recebido.

Para enviar criptomoedas através do Bit2Me Pay, deves seguir estes passos:

1. Pressiona sobre o botão de operações (quadrado azul) que encontrarás no menu horizontal na parte baixa da tela se acederes pela app, ou no canto superior direito se acederes pela Web.

2. Das opções disponíveis, clica em "Retirar".

3. Seleciona "enviar cripto".

4. Escolhe a opção "Envia a usuário do Bit2Me".

5. Escolhe da lista a criptomoeda que desejas enviar.

6. No formulário que te aparecerá deverás indicar:

Quantidade que desejas enviar. Podes clicar sobre Máx. se desejas enviar todo o saldo da moeda selecionada.
Seleciona uma opção de envio: Número de telefone, correio eletrónico ou alias de usuário.
Indica o dado correspondente à opção de envio que tenhas selecionado.

7. Clica sobre o botão ENVIAR

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