San MarinoEUREuro
San Marino is a microstate within Italy, uses EUR and IBAN SM (27 characters, like Italy). Banks are connected to Italian SEPA. San Marino aligns with EU sanctions against Russia - confirm the route with an ATM24 manager.
The route, the receiving bank and the payout amount are agreed before payment.
EUR to IBAN SM via SWIFT and SEPA infrastructure. ATM24 conducts international transfers in euros through available banking routes. San Marino uses a 27-character IBAN: SM + 2 check digits + 1 CIN letter + 5 bank code digits + 5 branch digits + 12 account digits; in structure it is similar to the Italian IBAN. For an international transfer, you typically need IBAN SM, the bank's SWIFT/BIC and the recipient's full name. The main banks in the country are Banca di San Marino and Cassa di Risparmio della Repubblica di San Marino (CRSM). San Marino's banking system is integrated into European payment infrastructure, including SEPA for EUR transfers.
San Marino is not part of the EU, but is closely linked to the European financial system and applies restrictions on Russia, coordinated with EU sanctions policy, so a specific transfer depends on the receiving bank, the correspondent chain and AML/KYC verification. ATM24 checks the available route in advance before payment. ATM24 commission - from 0.9%, international transfer time - 2–4 business days.
Transfer to a recipient's card in San Marino for personal use. Visa/Mastercard are accepted throughout San Marino (capital - San Marino City). ATMs support Italian Bancomat networks. Confirm the current route with an ATM24 manager
SWIFT transfer in EUR via IBAN SM - the main method for transfers to San Marino. Banks: Banca di San Marino, CRSM - San Marino banks participate in SEPA. Details: SWIFT code + IBAN SM (27 characters) + recipient name. Important: before sending, confirm the route with an ATM24 manager considering the sanctions context. SWIFT/BIC is taken from the recipient's details and verified before payment.
Cash for transactions in San Marino. EUR is the only currency in San Marino (San Marino euro coins are numismatic rarities). EUR cash is accepted everywhere, as in Italy. Cash issuance details: confirm with an ATM24 manager
San Marino is one of the world's oldest states (301 AD), located within Italy. Uses EUR + IBAN SM (27 characters, Italian format). Banks operate through Italian SEPA. Important: sanctions status - confirm the route with an ATM24 manager before sending.
We accept RUB, USD and USDT — we pay out in EUR
RUB EUR
0.009489per 1 RUB
10 000 ₽ = 94.89 EURUSD EUR
0.8395per 1 USD
100 $ = 83.95 EURUSDT EUR
0.8395per 1 USDT
100 USDT = 83.95 EUR| You send | Payout in EUR |
|---|---|
| 100 USDT | 83.95 EUR |
| 300 USDT | 252 EUR |
| 500 USDT | 420 EUR |
| 1 000 USDT | 840 EUR |
| 5 000 USDT | 4 198 EUR |
Where recipients usually get the money in San Marino
Cassa di Risparmio della Repubblica di San Marino — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
SWIFT: confirm; Accepts transfers from Russia: Confirm with ATM24 manager
BNS Banca Nazionale Sammarinese — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Asset Banca — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Banca Agricola Commerciale — a commercial bank for personal and corporate customers. Core services include accounts, cards, payments, and settlement services.
National currency
Euro (EUR) is the only official currency of San Marino, used under a currency agreement with the European Union.
Card systems
Visa and Mastercard are used through the Italian banking system. The country is not part of the EU, but uses the euro and is integrated into Italy's payment infrastructure through correspondent relationships.
Payment applications
San Marino aligns its sanctions policy with the EU regarding Russia, so international transfers require prior verification of the receiving bank, correspondent chain and compliance; ATM24 selects the route individually.
Interbank transfers
IBAN SM contains 27 characters: SM + 2 check digits + 1 CIN letter + 5 bank code digits + 5 branch digits + 12 account digits.
Financial regulator
San Marino's banking system is integrated with European payment infrastructure, and EUR transfers go through SEPA routes linked to the Italian banking system.
Features for ATM24
In structure it is analogous to the Italian IBAN IT, which also contains 27 characters.
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.
Real stories from real people
Yandex
I was in Dubai and needed dirhams. I only have cards from Russian banks, and they aren’t accepted in the UAE so I couldn’t withdraw money. I found this firm on the internet; they helped me get dirhams using a QR code at an ATM near the hotel. Everything was prompt and very fast, I recommend them! Special thanks to manager Ekaterina, she explained everything and helped!
Read full reviewI want to express my gratitude to the company and especially to manager Sofa for such a fast, convenient and profitable service for receiving cash baht in Thailand! I recommend it to everyone, we use it more than once!!!
Read full reviewTrustpilot
I had my concerns when starting the transfer, but it worked like a charm in the end. Russia to Canada, not a huge amount - just trying to transfer some of the retirement pension stuck there due to the sanctions. Emil (ATM24 manager) was very helpful to work around a few related issues, and then it just worked.
Read full reviewI ran into the situation many do, when I spent all my money! And the funds were only on the account! Thanks to the clear work of this exchanger and constant contact with manager STANISLAV, I used this service for the first time in my life! Everything went smoothly and quickly! I ordered baht, the courier brought them to the hotel! We quickly made a transfer through the bank app and I received the funds in local currency! Very cool! I even got positive emotions from this exchange method! 👍👍👍
Read full reviewTrustpilot
They work honestly, quickly and efficiently. I've been using your services for over a year, the impression is only positive. You helped more than once! I will continue to use such a convenient service. I recommend it!
Read full reviewThe deal went quickly, delivery right to the hotel, very high customer focus from manager Stanislav, thank you!
Read full reviewOperator Ekaterina helped exchange rubles for baht right at the airport. You can exchange right at the ATM, they can deliver by courier, but you'll have to pay a little extra for that. Service 10/10
Read full reviewEverything was wonderful. I needed cash baht, only Russian rubles were on the card. Found this service, at first distrust, but then we read the instructions and calmed down 😄 Everything went pretty quickly, honestly, the rate is quite good, manager Alisa responded to messages promptly and guided us, special thanks to her. Thanks to the courier for the work too 👍
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
Frequently asked questions about transfers from Russia to San Marino (EUR, IBAN SM) and about this country.
A money transfer to San Marino in EUR through ATM24 starts with choosing how the recipient will be paid on the San Marino EUR payout route. The manager verifies recipient name, payment method, Cassa di Risparmio della Repubblica di San Marino, fee from 0.9%, and estimated processing time before payment. Bank-route examples for San Marino: Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, Banca Agricola Commerciale, Banca Sammarinese di Investimento, and Istituto Bancario Sammarinese.
The recipient can use a card or bank account for a EUR transfer to San Marino if that channel is available for the bank. Before payment, ATM24 checks Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, card or account format, recipient name, and payout currency. International-card network availability is confirmed by route, not assumed for every bank. Bank-route examples for San Marino: Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, Banca Agricola Commerciale, Banca Sammarinese di Investimento, and Istituto Bancario Sammarinese.
ATM24 can check whether a EUR transfer to San Marino may go through Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, Banca Agricola Commerciale, Banca Sammarinese di Investimento, and Istituto Bancario Sammarinese. The receiving bank must match the recipient details and accept the selected payout route. The manager confirms the bank, account or card format, and final amount before payment.
For a EUR transfer to San Marino, ATM24 checks recipient details against the selected receiving route: San Marino EUR payout route, Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, Banca Agricola Commerciale, Banca Sammarinese di Investimento, and Istituto Bancario Sammarinese, card payout, account payout, recipient name, EUR payout data, and payout-limit review for the exact receiving channel. The manager verifies name spelling, bank or card format, payout currency, and payment purpose before payment. If the recipient changes the route, the required fields are checked again. Bank-route examples for San Marino: Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, Banca Agricola Commerciale, Banca Sammarinese di Investimento, and Istituto Bancario Sammarinese.
Transfer timing to San Marino in EUR starts from 15 minutes when the bank, card, or account route is ready. ATM24 checks Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, and any route limit before payment. If the receiving bank asks for clarification, processing can take longer. Bank-route examples for San Marino: Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, Banca Agricola Commerciale, Banca Sammarinese di Investimento, and Istituto Bancario Sammarinese.
For a transfer to San Marino in EUR, the ATM24 service fee starts from 0.9% and is confirmed before payment. The manager calculates the final amount using the San Marino EUR payout route, exchange conditions, recipient bank such as Banca di San Marino, and sender's payment method. Separate bank or card-issuer fees may still apply outside the ATM24 calculation. Bank-route examples for San Marino: Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, Banca Agricola Commerciale, Banca Sammarinese di Investimento, and Istituto Bancario Sammarinese.
Payment for a EUR transfer to San Marino can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the San Marino EUR payout route, bank such as Banca Agricola Commerciale, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for San Marino: Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, Banca Agricola Commerciale, Banca Sammarinese di Investimento, and Istituto Bancario Sammarinese.
For San Marino, the minimum EUR transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, recipient details, payout method, and document requirements before payment. A route through Cassa di Risparmio della Repubblica di San Marino may have different limits than a card or non-bank payout. Bank-route examples for San Marino: Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, Banca Agricola Commerciale, Banca Sammarinese di Investimento, and Istituto Bancario Sammarinese.
Large transfers to San Marino in EUR are checked by amount, recipient route, and receiving bank. ATM24 reviews Banca di San Marino, Banca Sammarinese di Investimento, card or account payout, payment purpose, and source-of-funds information. Any document request is named before the sender pays. Bank-route examples for San Marino: Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, Banca Agricola Commerciale, Banca Sammarinese di Investimento, and Istituto Bancario Sammarinese.
The estimated payout for sending 1000 USD to San Marino in EUR should be checked by route: 839.52 EUR. ATM24 reviews Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, Banca Agricola Commerciale, Banca Sammarinese di Investimento, and Istituto Bancario Sammarinese, card or account payout, fee from 0.9%, and exchange conditions. The manager confirms the final EUR amount in the order. Bank-route examples for San Marino: Banca di San Marino, Cassa di Risparmio della Repubblica di San Marino, Banca Agricola Commerciale, Banca Sammarinese di Investimento, and Istituto Bancario Sammarinese.
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