Exchange USDC ERC20 for Wise EUR: Payout to Your Wise Account

USDC to Euro Rate for Payouts to Wise

The USDC to EUR rate is floating and changes with the market. The chart below shows how the coin's price has moved, and the current terms for this direction are shown under it.

Circle ERC20 USDC→Wise EUR

Exchange rate, 1 EUR =

1.14 USDC

Exchange data as of November 4, 2026 · floating rate

Minimum amount

50 USDC

Maximum amount

1,000,000 USDC

Reserve

647,347.12 EUR

The rate is finally locked once the network confirms your transfer the required number of times. If you want to know the result in advance, select the paid option "Fixed rate" in the form.

Exchange USDC (ERC20) to Wise Euro (EUR)

This is a crypto-to-fiat exchange: you send USDC on the ERC20 network and receive euros in your Wise account. Choose Circle ERC20 (USDC) and Wise (EUR) in the exchange form to see the terms for this exact pair.

• You send: Circle ERC20, code USDC.
• You receive: EUR to your Wise account.
• Rate: floating, depends on the exchange amount.
• Processing: manual, by an operator. Payout takes 30 minutes to 72 hours.

The exchange charges no separate fee: it is included in the rate, and the final amount is shown in the form before the order is created. Exchange terms and the number of network confirmations are described in the site rules.

How Many Euros Reach Your Wise Account for Your USDC

Enter the amount of USDC in the calculator, and it will show the approximate amount in euros. For common amounts, the calculations are already gathered in the table.

You sendUSDC

You receive

≈ 439.35

EUR

Go to exchange

Rate for this amount: 1 USDC = 0.87 EUR

Why the rate in the table differs from row to row

For this direction, the rate depends on the exchange amount, so large and small transfers are calculated using different values. The calculator and the table use the same terms as the exchange form.

The result is approximate. Because the rate floats, the exact amount is set at the moment the rate is locked after confirmations.

How to Exchange USDC for Euros on Wise: Step-by-Step Guide

The exchange takes three steps: create an order, send USDC, and receive euros in your Wise account.

1. 1

   Create an order

   Choose the pair, enter the amount and fill in the recipient details from Wise.

   You send

   Circle ERC20500 USDC

   You receive

   Wise≈ 439.35 EUR

   Recipient details

   • IBAN
   • Card number
   • Receiver name
   • Wise account email
   • WiseTag
   • Phone number or Telegram
   • E-mail

   Create order
2. 2

   Send USDC

   Transfer the tokens on the ERC20 network to the address shown in your order.

   Send exactly

   500 USDC

   To the address in your order

   The address appears once the order is created

   Waiting for network confirmations
3. 3

   Receive euros

   The operator will process the order manually and send the payout to your Wise account.

   Payout sent

   ≈ 439.35 EUR

   to your Wise account

   Payout time: 30 minutes to 72 hours

Step 1. Create an order

Choose Circle ERC20 (USDC) and Wise (EUR) in the exchange form, then enter the amount. The form will immediately show how many euros you will receive.

Open the USDC to Wise EUR exchange form

Next, fill in the order fields. The form may include the following:

• recipient name;
• e-mail of your Wise account;
• WiseTag;
• IBAN;
• card number;
• phone number or Telegram;
• e-mail for contact.

Before confirming, double-check the amount and details. Enable paid options only if you need them.

Step 2. Send USDC

After you create the order, the site will show the address and the amount to send. Send the tokens from your wallet or exchange only on the ERC20 network.

• Compare the beginning and the end of the address with the one shown in your order.
• When withdrawing from an exchange, account for its fee: the amount from your order must reach the exchanger.
• Save the transfer TXID, as you will need it in any conversation with support.

Step 3. Receive euros on Wise

Once the transfer has the required number of confirmations, the operator will process the order and send the euros to your Wise account. If you have questions, contact support on the site or in Telegram.

Minimum, Maximum and Euro Reserve for This Direction

A single order is accepted for an amount from 50 USDC to 1,000,000 USDC.

Right now, 647,347.12 EUR is available for payouts. If the amount is outside the limits or exceeds the reserve, the form will tell you, and support will advise you on the next steps.

How Long It Takes to Get Euros on Wise After Sending USDC

The total time has two parts: the network confirms your transfer, and then the operator makes the payout manually.

Confirmations on the ERC20 network

Until the transfer receives the required number of confirmations, the rate is not locked and the order is on hold. The required number of confirmations is listed in the site rules. The speed depends on network load and the fee you chose when sending.

Manual payout to Wise

The payout to your Wise account takes from 30 minutes to 72 hours, because the operator processes orders manually. If the matter is urgent, the form has the paid option "I need it urgently".

If the payout is delayed

1. Find the TXID of your transfer in your wallet or on the exchange.
2. Open it in a block explorer and check how many confirmations it has.
3. Check that the address and amount match your order.
4. If everything is correct but the payout period has passed, contact support.

In your message, include the order number and the TXID. Do not send USDC again.

Fees for Exchanging USDC to Euros

BTCChange24 does not charge a separate fee for the exchange: it is included in the rate. The final amount you receive is shown in the form before you create the order.

Costs on your side

Sending USDC on the ERC20 network involves a network fee, which does not go to the exchanger. When withdrawing from an exchange, the exchange's own fee may also be charged.

Optional paid options

• "Personal payment to friends";
• "I need it urgently";
• "Payment screenshot needed";
• "I want to receive it in one payment";
• "Priority support";
• "Tip to the service";
• "Fixed rate".

You do not need to enable them. Their effect on the final amount is visible in the form before you confirm the order.

How to compare offers fairly

Enter the same amount of USDC into different exchangers and compare how many euros will reach your Wise account. Compare the final amount, not the stated percentage.

What to Enter in Your Order So the Euros Reach Your Wise Account

The payout is sent to the details you entered in the order, so check every field again before sending USDC.

• Recipient name. Write it exactly as it appears in your Wise profile.
• E-mail of your Wise account. This is the address your Wise account is registered to.
• WiseTag. If the field is in the form, copy the tag from your profile without changes.
• IBAN. If the form asks for it, take the number from the details of your euro account in Wise and enter it without spaces or extra characters.
• Card number. Fill it in when the form asks for this detail.
• Phone number or Telegram. The operator will use this contact to reach you about the order.
• E-mail. A working address where order messages will be sent.

If you notice an error after creating the order, do not send USDC. Create a new order or contact support first.

How to Protect Your USDC Exchange to Wise

Check the network and token

This direction requires USDC on the ERC20 network. When sending, make sure your wallet or exchange has exactly this network selected.

Use only the address from your current order

Do not use addresses from past exchanges, and do not trust messages where an "exchanger" sends you a different address. The correct address is shown only on your order page.

Do not share access

The exchanger does not need your Wise password, confirmation codes, seed phrase or private key. The recipient details from the order fields are enough for the payout.

Check who is writing to you

Order support is provided by the support team on the site or in Telegram, and the site gives the link to it. If someone messages you privately and offers to "speed up" the exchange, do not reply.

Payment not to your own Wise

If the euros are meant for another person, remember the option "Personal payment to friends" and double-check the recipient details. Once the payout is made, it will be hard to reverse.

If Your USDC Exchange to Wise Does Not Go as Planned

USDC sent on the wrong network

Contact support right away and include the order number, the TXID and the name of the network you selected when sending. Do not make repeat transfers until you receive a reply.

TXID exists but the order is not moving

Open the transaction in a block explorer and check the number of confirmations. If there are not enough yet, wait. If the transfer is confirmed, compare the address and amount with your order.

The final euro amount is different

The rate floats and is locked only after confirmations, so the final amount may have shifted. Next time, you can select "Fixed rate".

A different amount of USDC was sent

Do not send the remainder as a separate transfer. Contact support with your order number, the actual amount and the TXID.

Error in the Wise details

If the USDC has not been sent yet, create a new order with the correct details. If the transfer has already gone out, contact support right away, before the payout is made.

Status is "completed" but the euros do not appear in Wise

Check the transaction history of your Wise account and make sure you are looking at the euro account. If the funds are not there, send support your order number and a payment screenshot if you ordered this option.

Questions About Exchanging USDC ERC20 for Wise EUR

Summary of Exchanging USDC ERC20 for Wise EUR

Before sending USDC, check four things: the ERC20 network, the address from your order, the amount and the details of your Wise account. Keep your TXID until the euros arrive in your account.