Send money, not IBANs
Europe's first P2P payment system built on SEPA Instant. Pay anyone with just their @username. No IBAN. No friction. Just pure speed.
Send money like sending a message
Forget IBANs, codes, and complications. With Crumbz Pay, you pay using just the person's name. Fast as a tap, secure as a bank.
Instant
Money arrives in seconds, not days
Secure
ECB regulated with PSD2 license
Always Free
Zero commissions, forever
Why Crumbz Pay?
The payment experience Europe deserves. Built on SEPA Instant, designed for humans.
Send money with one tap
No more IBANs to remember. With Crumbz Pay, send money using just the recipient's name. Fast, secure, instant.
See how it works
How It Works
Three simple steps to start sending money like it's 2025.
Create Your @username
Sign up in 30 seconds. Choose your unique @username. That's your payment ID.
Connect Your Bank
Link any SEPA bank account via secure PSD2 connection. Your IBAN stays private.
Send Money Instantly
Type @friend, enter amount, send. Money arrives in seconds via SEPA Instant.
European certified security
Crumbz Pay is regulated by the European Central Bank with PSD2 license. Your banking data is protected with military-grade encryption.
Your Money, Protected
Built on European banking infrastructure. Regulated, secure, and transparent.
PSD2 Compliant
Regulated under European Payment Services Directive. Bank-grade security standards.
End-to-End Encryption
All data encrypted in transit and at rest. Your information is always protected.
No Custody
We never hold your money. Funds go directly from your bank to theirs.
GDPR Compliant
Your data is yours. We follow strict European privacy regulations.
Share moments, not accounts
Dinner with friends? Split the bill instantly. Group shopping? Pay your share on the fly. Crumbz Pay makes payments social.
Get started now
Ready to send money the smart way?
Join thousands of Europeans already using Crumbz Pay. Sign up in 30 seconds, start sending instantly.