ItalyEUREuro
Sending money to Italy means renting an apartment in Milan, paying an Italian supplier, or supporting a student in Rome. Direct SWIFT transfers from Russia to Italian banks are limited, and Mir cards are not accepted. ATM24 deposits EUR to Italian IBANs through alternative routes and provides cash euros in major Italian cities. The exchange rate is locked in before payment.
The route, the receiving bank and the payout amount are agreed before payment.
Italy is a European destination with enhanced AML/KYC requirements: Italian banks may conduct additional verification of transfers from Russia and request documents confirming the origin of funds. ATM24 uses available approved routes and selects the transfer method individually. The primary audience for this destination is Russians living in Rome, Milan, and Tuscany resorts, as well as clients paying for education, real estate, and other expenses in Italy. Satispay is a popular Italian payment service that works through a bank account and phone number without the need to link a payment card; the service is widely used for payments in cafes, restaurants, and other retail locations. Nexi is one of Italy's largest payment operators and a key participant in the infrastructure of card and POS payments.
EUR transfers from Russia are conducted through available SWIFT routes, as direct SEPA transfers from a Russian bank account are not available. Many bank branches in Italy operate with a midday break, often around 13:30 to 15:00, which should be considered when planning banking operations. To receive a transfer, you need an IBAN from an Italian bank with 27 characters beginning with IT, and for international transfers, the BIC/SWIFT code of the recipient's bank is also used. Transfers via SWIFT take several business days after confirmation of the request; the exact timeframe depends on the route, correspondent banks, and the recipient's bank. The recipient may also need to provide their bank with an explanation of the transfer purpose and confirmation of the origin of funds.
Italy's payment ecosystem: banks, e-wallets, cards and international transfers. Country — Italy. Receiving currency — EUR (euros). Sending currency — RUB, USD, and USDT. Transfer method — bank account by IBAN, cash EUR, or USDT. ATM24 commission — from 0.9%. Delivery time — from minutes for available card and cash channels; to a bank account by IBAN via international transfer — several business days.
Italy's payment ecosystem: major payment systems and services. Satispay is a popular Italian payment service without card binding, used for P2P transfers by phone number and QR payments in stores, cafes and restaurants. Nexi Pay is one of Italy's largest payment services and an important operator of card and POS transactions. BANCOMAT Pay is an Italian service for mobile payments and P2P transfers linked to the national BANCOMAT banking infrastructure. Postepay by Poste Italiane is a popular prepaid card and payment services system, widely used throughout Italy, including in small towns. Financial regulation is carried out by Banca d'Italia and the European Central Bank (ECB) within the Eurosystem. Bank branches in Italy typically operate from around 8:30 to 13:30 and from 15:00 to 16:30; a midday break typically occurs between these periods, and most banks are closed on Saturdays.
Visa and Mastercard from Italian banks: Intesa Sanpaolo, UniCredit, Banco BPM, BNL. You'll need 16 card digits and the recipient's full name as shown in documents. EUR deposit — within minutes; the ruble to euro rate is locked in before payment
You'll need: IBAN (IT...), bank BIC, account holder's full name. Works for Intesa Sanpaolo, UniCredit, Banco BPM, BNL, Revolut with IT IBAN. EUR delivery time — confirm with your manager on the specific route
EUR cash withdrawal in major Italian cities through our partner network. Convenient for deposits, rent, or initial expenses before opening an account. Current pickup locations — available from your manager when submitting your request
For Italy, the key is to confirm in advance that the recipient has an Italian IBAN. If an IBAN is available (Intesa Sanpaolo, UniCredit, Revolut with IT...) — the transfer works. If not — cash EUR in major cities or USDT. Our manager will help you choose the best route.
We accept RUB, USD and USDT — we pay out in EUR
RUB EUR
0.009254per 1 RUB
10 000 ₽ = 92.54 EURUSD EUR
0.8298per 1 USD
100 $ = 82.98 EURUSDT EUR
0.8298per 1 USDT
100 USDT = 82.98 EUR| You send | Payout in EUR |
|---|---|
| 100 USDT | 82.98 EUR |
| 300 USDT | 249 EUR |
| 500 USDT | 415 EUR |
| 1 000 USDT | 830 EUR |
| 5 000 USDT | 4 149 EUR |
Where recipients usually get the money in Italy
Italy's second largest bank. IT IBAN, SWIFT BCITITMM. Retail network throughout the country, especially in the North.
Italy's largest bank by assets. Accepts IT IBAN transfers (SWIFT UNCRITMM). Extensive network in Northern and Central Italy.
Third largest bank (merger of Banco Popolare and BPM). IT IBAN, SWIFT BAPPIT21. Particularly strong in Lombardy and Piedmont.
Monte dei Paschi di Siena — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Mediobanca — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
Italy is part of the eurozone; the national currency is EUR (euro).
Card systems
Mir cards are not accepted at Italian banks and payment terminals.
Payment apps
Revolut and N26 with Italian IBAN starting with IT operate within SEPA infrastructure and can serve as a digital alternative to a traditional account at a local bank; however, the availability of a specific transfer depends on the service's requirements, the bank, and compliance verification.
Interbank transfers
Direct SWIFT transfers from Russia to Italian banks are limited: many banks do not accept payments through Russian correspondent banks.
Financial regulator
Banca d'Italia — the central bank and prudential regulator. IVASS (Istituto per la Vigilanza sulle Assicurazioni) regulates the insurance sector. All participants operate within the unified eurozone oversight framework through the ECB.
Special considerations for ATM24
Italy is part of the SEPA zone and subject to EU sanctions regulations. Transfers from Russia are processed on an individual basis — the route depends on the recipient's bank. Banca d'Italia (central bank) and UIF (financial monitoring division) enforce AML/KYC controls. ATM24 confirms the route and requirements before approving the transfer.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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I turned to them again for help with a money transfer. I needed to pay for accommodation in Egypt. The service pleased me a lot, the staff member was attentive. All arising problems were resolved quickly and with understanding. Thank you very much for the professionalism (manager Alisa)
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Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
We've compiled answers to frequently asked questions about EUR transfers and euro cash delivery to Italy.
To arrange a EUR payout in Italy, ATM24 first checks the receiving channel for the Italy EUR bank route. The route is confirmed before payment, including Intesa Sanpaolo, Public banks, card or account details, sender payment method, fee from 0.9%, and timing from 15 minutes. Bank-route examples for Italy: Intesa Sanpaolo, UniCredit, Public banks, Global banks (Supervised by ECB), and Nationwide and multi-regional banks (Supervised by ECB).
In Italy, a EUR transfer may go to a bank-issued card or bank account depending on the receiving bank. ATM24 checks the Italy EUR bank route through a bank such as UniCredit or Global banks (Supervised by ECB) and confirms whether card payout, account payout, or only one option is available. The sender pays after that route is confirmed. Bank-route examples for Italy: Intesa Sanpaolo, UniCredit, Public banks, Global banks (Supervised by ECB), and Nationwide and multi-regional banks (Supervised by ECB).
For Italy, ATM24 can review a EUR payout through banks such as Intesa Sanpaolo, UniCredit, Public banks, Global banks (Supervised by ECB), and Nationwide and multi-regional banks (Supervised by ECB). The manager checks whether the selected bank route supports the incoming transfer and which account or card details are needed. The bank route is confirmed before payment.
Recipient details for Italy in EUR depend on the bank or payout channel named in the order. ATM24 may need the recipient name, Intesa Sanpaolo or another bank, account or card data, and payment purpose. The sender pays only after those fields are confirmed. Bank-route examples for Italy: Intesa Sanpaolo, UniCredit, Public banks, Global banks (Supervised by ECB), and Nationwide and multi-regional banks (Supervised by ECB).
For Italy, a EUR payout may be fast only after the selected channel is checked. ATM24 reviews Intesa Sanpaolo, UniCredit, Public banks, Global banks (Supervised by ECB), and Nationwide and multi-regional banks (Supervised by ECB) plus card or account payout options before giving timing. The manager confirms the expected time before the sender pays. Bank-route examples for Italy: Intesa Sanpaolo, UniCredit, Public banks, Global banks (Supervised by ECB), and Nationwide and multi-regional banks (Supervised by ECB).
The fee for sending money to Italy with payout in EUR is calculated from 0.9% through ATM24. ATM24 shows the sender the fee, exchange conditions, payout route through UniCredit or Public banks, and amount the recipient should receive before payment. Bank-transfer fees, card conversion fees, and DCC markups from the sender's provider are separate. Bank-route examples for Italy: Intesa Sanpaolo, UniCredit, Public banks, Global banks (Supervised by ECB), and Nationwide and multi-regional banks (Supervised by ECB).
Yes, the sender can use an available card, bank transfer, USDT, or another confirmed method while the recipient receives EUR in Italy. The manager checks Intesa Sanpaolo, UniCredit, payout route, exchange conditions, and final amount before payment. Any card conversion or sending-bank fee remains outside the recipient payout. Bank-route examples for Italy: Intesa Sanpaolo, UniCredit, Public banks, Global banks (Supervised by ECB), and Nationwide and multi-regional banks (Supervised by ECB).
ATM24 accepts transfers to Italy in EUR from 100 USD or the equivalent. The maximum amount is not a single country-wide number; it depends on the Italy EUR bank route, bank rules, payout channel, sender payment method, and recipient data. For a large transfer, the manager confirms the limit and documents before the sender pays. Bank-route examples for Italy: Intesa Sanpaolo, UniCredit, Public banks, Global banks (Supervised by ECB), and Nationwide and multi-regional banks (Supervised by ECB).
For Italy, extra documents for a EUR payout depend on the route through UniCredit, Public banks, or another confirmed channel. ATM24 may ask for identification, source of funds, recipient details, and payment-purpose wording. The list is confirmed after the amount and bank route are reviewed. Bank-route examples for Italy: Intesa Sanpaolo, UniCredit, Public banks, Global banks (Supervised by ECB), and Nationwide and multi-regional banks (Supervised by ECB).
For Italy, a 1000 USD transfer can produce a different EUR result depending on the receiving route: 829.84 EUR. The ATM24 calculation includes Global banks (Supervised by ECB) or another confirmed bank, payout method, fee from 0.9%, and exchange conditions. The sender sees the final amount before payment. Bank-route examples for Italy: Intesa Sanpaolo, UniCredit, Public banks, Global banks (Supervised by ECB), and Nationwide and multi-regional banks (Supervised by ECB).
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