How much does it cost to send money to the Netherlands with Peanut?

Nothing. Deposits, sending, and withdrawals are all free. The exchange rate is the market rate. Compare to Wise (0.4-1.5%), PayPal (3-4%), or Western Union ($5-$15+).

How long does it take?

Peanut-to-Peanut transfers are instant. SEPA withdrawals to Dutch banks take under 20 minutes for 90% of transfers.

Does the recipient need a Peanut account?

Not necessarily. Send a Peanut Link — the recipient clicks it and can claim to a new account or withdraw directly to their Dutch bank.

What exchange rate does Peanut use?

EUR-to-EUR: no conversion. Non-EUR senders: market rate for digital dollars to EUR. Rate locks at conversion.

Do I need a Dutch ID?

No. Verify with any passport or national ID card from any country. No BSN or Nederlandse identiteitskaart required.

Send Money to the Netherlands — Free, Fast

Send money to anyone in the Netherlands. Recipient withdraws euros to any Dutch bank via SEPA in under 20 minutes. No fees.

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Send Money to the Netherlands — No Fees, Real Market Rate

Sending money to the Netherlands with Peanut costs nothing. The recipient withdraws euros directly to any Dutch bank account via SEPA — free, with 90% of withdrawals arriving in under 20 minutes.

The Netherlands is part of the SEPA zone, giving Peanut users full deposit and withdrawal access. Whether you are sending money to family, paying a Dutch contractor, or supporting the Surinamese-Dutch community, Peanut is the fastest and cheapest path.

Why Peanut Is the Best Way to Send Money to the Netherlands

No Fees

Every step is free. Depositing, sending, and the recipient withdrawing to their Dutch bank via SEPA — all free. Compare to alternatives:

Wise: 0.4-1.5% in additional charges
PayPal: 3-4% cross-border fee plus exchange rate markup
Western Union: $5-$15+ flat fee plus rate markup

Better Exchange Rate

For non-EUR senders, Peanut converts digital dollars to euros at the market rate. For EUR-to-EUR transfers within SEPA, there is no conversion — the recipient gets exactly what you send.

Fast

SEPA withdrawals to Dutch banks: 90% arrive in under 20 minutes. Peanut-to-Peanut transfers are always instant.

How It Works

1
Sign up and verify
Create a Peanut account and verify with your passport or national ID card. Takes under 2 minutes.
2
Deposit funds
European users deposit via SEPA (free, under 20 minutes). US users deposit via ACH (free, 1-3 business days). Anyone can send digital dollars on supported networks — free, arrives in minutes.
3
Send to the recipient
Send to the recipient's Peanut account instantly, or share a Peanut Link they can claim.
4
Recipient withdraws to Dutch bank
The recipient withdraws euros to their Dutch bank via SEPA. 90% arrive in under 20 minutes. Free.

Where the Money Goes

SEPA Bank Withdrawal

The recipient withdraws euros to any Dutch bank — ABN AMRO, ING, Rabobank, or any other institution. Free, with 90% arriving in under 20 minutes.

Digital Dollar Withdrawal

The recipient can withdraw USDC, USDT, or DAI to any external wallet on supported networks.

Peanut Balance

The recipient can hold digital dollars and spend later — in the Netherlands via bank withdrawal, or abroad via Mercado Pago in Argentina or Pix in Brazil.

How Much Does It Cost?

Peanut charges no fees.

Service	Transfer Fee	Speed
Peanut	Free	SEPA: under 20 min
Wise	0.4-1.5%	1-2 business days
PayPal	3-4%	1-3 business days
Western Union	$5-$15+	Hours to days

For full details, visit the pricing page.

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Sending from Specific Countries

Send Money from the United States to the Netherlands

US senders deposit via ACH (free, 1-3 business days) or digital dollars from an exchange (free, minutes). The recipient withdraws euros to their Dutch bank via SEPA.

Send Money from Latin America to the Netherlands

The Netherlands has historical ties to South America through Suriname, with an estimated 350,000 Surinamese-Dutch residents. Senders deposit digital dollars from a local exchange. The recipient in the Netherlands withdraws euros via SEPA.