Replenishment and transfers
💳 Crypto Top-up:
You can top up your account from a USD- or EUR-denominated Mastercard directly in cryptocurrency (BTC, USDT, ETH, etc.).
❌ P2P is not available
- Fee: 4% (Mastercard)
- Credited as: cryptocurrency equivalent
🪪 IBAN Replenishment:
Supports transfers in EUR via SEPA with a personal IBAN.
- Processing time: 1–2 business days
- Fee for incoming SEPA payment: 0.3% + 1 EUR
- Conversion to cryptocurrency (optional): At the system’s rate
- Minimum SEPA payment amount: 10 EUR
₿ Cryptocurrency Transfers:
- To VISA/Mastercard (in USD, EUR): 3% fee
- To IBAN (SEPA in EUR): 0.3% fee + 1 EUR
- Minimum withdrawal amount: Equivalent of 30 USDC
- To a cryptocurrency wallet: 1–4 USD
- Processing time: 1–2 business days
🔁 Transfers:
- IBAN → IBAN: 0.3% + 1 EUR
- Within the system (SharPay): No fee
- Crypto → IBAN: 0.3% + 1 EUR
Calculation Examples
🔘 Example 1: Replenishment with Mastercard for $100
Action | Amount | Comment |
Replenishment | $100 | You send |
Fee (4%) | -$4 | Deducted |
Credited | $96 | In cryptocurrency |
🔘 Example 2: Transferring $100 back to the card
Action | Amount | Comment |
Withdrawal | $100 | From crypto account |
Fee (3%) | -$3 | Deducted |
Received on card | $97 | Credited |
Up to 50% savings compared to other services
🔘 Example 3: Replenishment via SEPA for 100 EUR
Action | Amount | Comment |
SEPA transfer | 1 EUR + 0.3% | Fee |
Conversion to crypto | 1 EUR + 0.3% | Fee |
Credited | 98.7 EUR | Receiving |
List of Supported Countries
SharPay operates in Europe, Canada, and select other regions:
🇫🇷 France
🇮🇹 Italy
🇪🇸 Spain
🇳🇱 Netherlands
🇧🇪 Belgium
🇦🇹 Austria
🇵🇹 Portugal
🇬🇷 Greece
🇸🇰 Slovakia
🇸🇮 Slovenia
🇱🇻 Latvia
🇱🇹 Lithuania
🇪🇪 Estonia
🇫🇮 Finland
🇵🇱 Poland
🇨🇿 Czech Republic
🇧🇬 Bulgaria
🇨🇭 Switzerland
🇳🇴 Norway
🇸🇪 Sweden
🇩🇰 Denmark
🇭🇷 Croatia
🇲🇹 Malta
🇨🇾 Cyprus
🇱🇺 Luxembourg
🇮🇸 Iceland
🇬🇧 United Kingdom
🇺🇸 USA (IBAN only)
🇨🇦 Canada (limited)
🇦🇪 UAE (via crypto)
🇹🇷 Turkey (via crypto)
🇺🇦 Ukraine (via crypto and IBAN)
❌ We do not operate in Israel, USA, Russian Federation, or Belarus.
Supported Exchanges
We work with major cryptocurrency exchanges:
✅ Binance
✅ KuCoin
✅ Kraken
✅ Bitget
✅ OKX
✅ BingX
✅ Coinbase
Instructions
👉 How to Fund Your Account?
2. Select method: Card / SEPA / Crypto
3. Enter the amount
4. Follow the instructions
5. Wait for crediting
👉 How to Transfer Funds?
2. Select method: VISA/Mastercard or IBAN
3. Enter the details
4. Confirm the transaction
5. Receive funds within 1–2 days