Binance P2P · USDT/EUR 🇪🇺
The live Binance P2P USDT/Euro market across 44 payment methods. Cheapest BUY: €0.86 · highest SELL: €0.89 · spread 3.01%.
Payment methods · Binance USDT/EUR
| # | Payment method | Buy price | Sell price | Buy ads | Sell ads | Activity 24h |
|---|---|---|---|---|---|---|
| 1 | SEPA Instant | €0.86 | €0.87 | 117 | 239 | 6.7K |
| 2 | Wise | €0.87 | €0.87 | 61 | 175 | 3.2K |
| 3 | BBVA Bank | €0.86 | €0.89 | 38 | 153 | 3.9K |
| 4 | BANK | €0.86 | €0.86 | 60 | 113 | 4.7K |
| 5 | SEPA | €0.86 | €0.87 | 72 | 96 | 4.5K |
| 6 | N26 | €0.86 | €0.88 | 38 | 110 | 2.7K |
| 7 | Paysera | €0.86 | €0.86 | 34 | 85 | 1.9K |
| 8 | Skrill | €0.87 | €0.86 | 37 | 63 | 613 |
| 9 | BancoSantanderSpain | €0.86 | €0.89 | 19 | 76 | 1.8K |
| 10 | Bizum | €0.89 | €0.86 | 21 | 63 | 971 |
| 11 | Zen | €0.87 | €0.87 | 29 | 51 | 1.1K |
| 12 | DukascopyBank | €0.87 | €0.87 | 31 | 48 | 564 |
| 13 | CaixaBank | €0.86 | €0.86 | 15 | 63 | 1.8K |
| 14 | Bunq | €0.86 | €0.88 | 20 | 57 | 1.3K |
| 15 | ING | €0.87 | €0.87 | 14 | 48 | 664 |
| 16 | BancoSabadellSpain | €0.87 | €0.86 | 7 | 40 | 716 |
| 17 | VISADirect | €0.89 | €0.85 | 4 | 42 | 182 |
| 18 | NETELLER | €0.89 | €0.86 | 19 | 21 | 198 |
| 19 | MastercardSend | €0.89 | €0.85 | 2 | 30 | 140 |
| 20 | UniCredit | €0.87 | €0.87 | 4 | 24 | 159 |
| 21 | Postepay | €0.87 | €0.86 | 3 | 25 | 187 |
| 22 | ErsteBank | — | €0.87 | 1 | 18 | 32 |
| 23 | ABNAMRO | €0.87 | €0.87 | 2 | 12 | 73 |
| 24 | Paysend | €0.91 | €0.83 | 2 | 9 | 23 |
| 25 | Raiffeisen | €0.92 | €0.86 | 1 | 9 | 15 |
| 26 | VividMoney | €0.90 | €0.85 | 2 | 7 | 40 |
| 27 | SWIFT | €0.89 | €0.84 | 2 | 7 | 37 |
| 28 | PayTend | — | €0.86 | 1 | 4 | 14 |
| 29 | Bank of Georgia | — | €0.82 | 1 | 4 | 5 |
| 30 | PrivatBank | — | €0.82 | — | 3 | 3 |
| 31 | Monobank | — | €0.82 | — | 3 | 3 |
| 32 | TBC Bank | — | €0.82 | — | 3 | 3 |
| 33 | MyfinNew | — | €0.82 | 1 | 2 | 5 |
| 34 | BankIBANKZ | — | €0.83 | 1 | 1 | 7 |
| 35 | AirTM | — | €0.77 | 1 | 1 | 2 |
| 36 | CashDeposit | — | €0.86 | 1 | 1 | 2 |
| 37 | A-Bank | — | €0.80 | 1 | 1 | 2 |
| 38 | BankIBAN | — | €0.83 | 1 | 1 | 2 |
| 39 | FiBank | — | €0.80 | — | 1 | 1 |
| 40 | PUMB | — | €0.82 | — | 1 | 1 |
| 41 | SantanderPoland | — | €0.77 | — | 1 | 1 |
| 42 | SparkasseBank | — | €0.81 | — | 1 | 1 |
| 43 | KaspiBank | — | €0.78 | — | 1 | 1 |
| 44 | CapitalBank | — | €0.77 | — | 1 | 1 |
About Binance USDT/EUR P2P trading
Binance's USDT/EUR market is the live peer-to-peer book for Eurozone-based users buying and selling Tether directly via local rails. The current cheapest BUY is €0.86 and the highest SELL is €0.89, a 3.01% spread across 2.4K active ads. USDT/EUR typically trades ~0.3% over the official forex rate — EUR/USDT trades close to the EURUSD forex rate adjusted for the dollar peg. Premium is mostly merchant spread..
Across this market, 44 payment rails are currently quoted. SEPA Instant, Wise, BBVA Bank carry the most ad volume; the table above ranks every active rail by total 24h activity. Deepest liquidity globally across 60+ fiats.
Regulator in Eurozone: MiCA (Markets in Crypto-Assets Regulation) since June 2024 unified EU-wide crypto rules. CASP authorisation required for service providers.. Tax: Varies by EU member state. To trade, open Binance P2P, filter by your preferred rail, and pick a merchant with completion rate ≥98% and order count ≥1,000. Don't include "crypto" or "USDT" in payment notes.
Euro P2P context
Typical USDT/EUR premium: ~0.3%. EUR/USDT trades close to the EURUSD forex rate adjusted for the dollar peg. Premium is mostly merchant spread.
Tax in the Eurozone: Varies by EU member state. Germany: 0% after 1-year hold, otherwise income tax. France: 30% flat (PFU). Portugal: 28% on short-term gains since 2023.
Regulator: MiCA (Markets in Crypto-Assets Regulation) since June 2024 unified EU-wide crypto rules. CASP authorisation required for service providers.
What Binance brings to the EUR market
Deepest liquidity globally across 60+ fiats. Merchant-tier scheme rewards completion rate, order count, and dispute-free history with priority placement. Fastest settlement on majors thanks to the largest merchant pool.
Fees + KYC: 0% maker fee for verified merchants; 0% taker fee on most markets. KYC required (Lite + Full tiers). FIU-IND registered (India), VARA registered (UAE), MiCA-compliant (EU).
Frequently asked questions
What is the live Binance P2P USDT/EUR rate?+
As of the most recent Binance sync, the cheapest BUY price is €0.86 and the highest SELL price is €0.89 across 44 active payment methods. The full per-payment-method breakdown is in the table above.
What payment methods does Binance support for EUR?+
Binance currently supports 44 active payment methods for USDT/EUR: SEPA Instant, Wise, BBVA Bank, BANK, SEPA, N26, plus 38 more. Different rails have slightly different prices because they carry different settlement risk and time costs.
Is USDT/EUR P2P trading legal across the EU?+
Yes. The Markets in Crypto-Assets Regulation (MiCA) became fully applicable in June 2024, providing harmonised EU-wide rules for crypto-asset service providers. Any P2P platform serving EU users needs CASP authorisation.
How is USDT taxed in the EU?+
Tax treatment varies by member state. Germany: 0% on gains held over 1 year (otherwise ordinary income tax). France: 30% flat rate (PFU) on gains above €305/year. Portugal: 28% on short-term gains since 2023. Italy: 26% above €2,000.
Is Binance P2P available in my country?+
Binance P2P is available in 100+ countries including India (FIU-IND registered, all features active), the UAE, Russia, Turkey, Nigeria, and the EU under MiCA. The US-restricted access since 2023; Binance.US doesn't offer P2P. Always check the country-availability list in your account settings.
How does Binance P2P merchant tiering work?+
Merchants earn tiered status (Verified Merchant, then promotional tiers) based on 30-day completion rate (≥80%), order count, dispute rate, and KYC level. Higher tiers get priority placement in ad rankings and lower fees. Retail users can become Verified Merchants by application.
How does OpenRate get this Binance EUR data?+
For Binance we crawl their public P2P API every 60 seconds and write merchant-level ad data to our Postgres. The aggregate per-payment-method numbers above are reconciled against p2p.army's TOP1 snapshot every 30 minutes.