You can withdraw your euros (EUR) balance directly to a European bank account through our partnership with **Monerium**. The withdrawal is made via bank transfer and the amount lands 1:1 in the destination account.

> **📊 Exact fees (SEPA) now live in a single place:** [Complete Picnic fee table](https://help.usepicnic.com/hc/picnic/articles/complete-picnic-fee-table) → _Euros (EUR)_ section.

## Before you start

-   **Monerium KYC approved:** on your first time, you need to create a Monerium account and submit your documents. The process takes a few minutes.
-   **EURe balance on Polygon:** the withdrawal is done from **EURe** (the digital euro issued by Monerium) on the Polygon network. EURe is the only euro stablecoin that allows redemption via SEPA — other euro stablecoins (EURC, agEUR etc.) won't work for this withdrawal.
-   **Converting from BRLA to EURe:** if your balance is in BRLA (or any other currency/stablecoin), you need to convert to EURe on Polygon before starting the withdrawal. The conversion is done directly in Picnic Pro, on the swap tab.
-   **Destination IBAN:** have the full IBAN of the bank account that will receive the amount.

## Step by step

1.  **Access the bank withdrawal:** log in at [www.usepicnic.com](https://www.usepicnic.com), open the **Deposits and Withdrawals** tab, choose **Bank withdrawal and transfer**, select the **Euro** currency and the **Bank transfer** method, then click **Continue**.
2.  **Enter the amount:** type the amount in euros (EUR) you want to send and click **Continue**.
3.  **Fill in recipient data:** choose the owner type (**Individual** or **Legal Entity**), enter the **IBAN** of the account, the **first name**, **full last name**, and the **reason for sending** (optional field).
4.  **Confirm the transfer:** review all information and click **Confirm and transfer**.
5.  **Authenticate the send:** use your **passkey** to authorize the transaction. If you don't have a passkey set up yet, the site sends a code to your registered Picnic email.
6.  **Done, withdrawal sent:** the confirmation screen appears as soon as the send is processed.

## Timing and limits

-   **Timing:** depends on the destination bank. In general, the amount lands in a few minutes, but can take up to **1 business day**.
-   **Amount received:** 1:1 — you receive exactly the amount sent. Fee details in the [Complete Picnic fee table](https://help.usepicnic.com/hc/picnic/articles/complete-picnic-fee-table).
-   **Limits:** there is no fixed limit to receive or withdraw euros. Monerium reserves the right to apply punctual limits or suspend/delay transactions for security reasons, fraud suspicion, or legal requirements.

## Important tip

Check the IBAN and account holder's name before confirming. Withdrawals sent to incorrect data may take a while to be refunded, depending on the destination bank.