@largess @deadda7a If I want to receive money in the US from the SEPA, I can’t simply give an IBAN № to the payer because there is no way for my individual account to have an IBAN number. I give the IBAN of my bank’s intermediary & must also instruct the sender to put my bank name & my acct# in the comment/memo field so the money can get routed after it lands on the bank’s own acct.