Indicative rate
USDT to EUR: sell USDT for euros at size
Live indicative USDT/EUR rate and how USDT is settled into euros on a bank account through XEROF Online, in your own name or to a third-party beneficiary.
USDT to EUR, indicative mid-market
0.8934 EUR
- Bid
- 0.8933 EUR
- Ask
- 0.8934 EUR
Indicative mid-market rate from tier 1 liquidity, updated 9:41:42 AM. Not a quote. You execute in XEROF Online at the live rate shown there at the moment you confirm, and the confirmation shows that rate, the fee and the net amount.
How USDT becomes euros on a bank account
- 1USDT (ERC-20) arrives in your segregated wallet at XEROF.
- 2You convert USDT to EUR in XEROF Online at the live rate.
- 3Seconds on SEPA Instant; one business day on SEPA Standard: euros reach the account over SEPA Instant, SEPA Standard and SWIFT.
EUR settlement: rails, timing and who uses it
Euro settlement reaches 34 SEPA countries from one instruction: SEPA Instant up to EUR 100,000 per payment, SEPA Standard above that, and SWIFT for euro accounts outside the area. The EUR rate moves with EUR/USD, so the indicative figure above is a currency pair, not a peg.
Companies paying European suppliers and contractors, treasuries settling euro invoices from a stablecoin balance, and private clients paying a European business.
- Settlement currency
- EUR, the euro, legal tender in 20 euro-area states
- Central bank
- European Central Bank
- Rails
- SEPA Instant, SEPA Credit Transfer and SWIFT
- Per-payment ceiling
- SEPA Instant EUR 100,000; SEPA Standard varies by bank
- Timing
- Seconds on SEPA Instant; one business day on SEPA Standard
- Third-party payouts
- Yes, to any IBAN in the 34 SEPA countries
USDT is the most widely held dollar stablecoin and the one most often received from counterparties and venues. XEROF accepts it on Ethereum (ERC-20) only; a TRC-20 balance has to be moved to Ethereum first, which the sender does on their own side before transferring.
USDT/EUR embeds EUR/USD, so the figure moves with the euro rather than with the peg. Euro-area suppliers paid over SEPA from a USDT balance are the typical use, with the conversion executed in XEROF Online once the invoice amount in euros is known.
| Rail | Ceiling per payment | Speed | Coverage |
|---|---|---|---|
| SEPA Instant | EUR 100,000 | Seconds, 24/7 | Banks in the 34 SEPA countries that have adopted it |
| SEPA Credit Transfer | Bank-dependent | Next TARGET business day | Every IBAN in the 34 SEPA countries |
| SWIFT | No limit | 1 to 2 business days | Euro accounts outside SEPA |
- USDT: Issuer
- Tether
- USDT: First issued
- 2014, as the first dollar stablecoin; on Ethereum as an ERC-20 token since 2017
- USDT: Network accepted by XEROF
- Ethereum (ERC-20) only; Tron, Solana, Avalanche and other USDT networks are not credited
- USDT: Reserve reporting
- Attestations published by the issuer
- USDT: Where it is used
- The most traded stablecoin by volume, dominant on Asian and emerging-market venues and in OTC settlement
Common questions
- Can euros be paid to a country that does not use the euro?
- Yes, to a euro account in any of the 34 SEPA countries, including Denmark, Norway, Sweden, Poland, Czech Republic, Hungary, Romania, Iceland, Liechtenstein and Switzerland.
- I hold USDT on Tron. Can I still settle?
- Only after moving it to Ethereum (ERC-20) with the wallet or venue that holds it. XEROF cannot credit a TRC-20 transfer.
- Is the USDT/EUR rate on this page the rate I will get?
- No. It is the indicative mid-market rate from our liquidity venue, refreshed every 30 seconds. The rate you execute at is the live rate in XEROF Online at the moment you confirm, and the confirmation shows it with the fee.
- Can the euros go to someone else's account?
- Yes. A third-party payout carries an additional 0.25% for beneficiary screening. The corridor page sets out the limits, rails and documents.
Third-party payouts in EUR: corridor page.
Other USDT and EUR pages
- USDC to EUR rateLive indicative USDC/EUR rate and how to sell USDC for euros at size in XEROF Online, Swiss-regulated: bank settlement, one visible fee..
- USDT to GBP rateLive indicative USDT/GBP rate and how to sell USDT for pounds at size in XEROF Online, Swiss-regulated: bank settlement, one visible fee..
- PayoutsPay suppliers, contractors and invoices in 26 currencies from a USDT or USDC balance.
- How to cash out crypto: sell crypto for cashHow to cash out crypto and sell crypto for cash through a Swiss regulated counterparty: segregated wallet, firm quote, USD, EUR, CHF or GBP in your bank..
Open a XEROF account to settle USDT into euros.