Sends is the featured first option in this comparison. Its payout page describes transfers from a Sends account to freelancers or individuals by card or IBAN. Treat the published fees and speed as route-specific product claims and confirm them in a dated quote.
- Routes
- Card payouts and transfers to IBAN / bank account
- Currencies
- EUR card payouts; GBP, EUR and USD account balances for transfers
- Published timing
- Card: under a minute; published range 1 second–2 days; AML review can take longer
Cards and IBAN are different payout routes
The product page describes payouts to cards or accounts. Card payouts are stated as possible in EUR inside and outside the EU. Its SWIFT example uses beneficiary name, IBAN and BIC. Confirm the actual recipient country, card issuer or bank, limits and required supporting documents.
Official reference ↗Three items to confirm before rollout
- Fees: the FAQ says 2–4% for card payouts, while another section says transfers from €10 or 0.05% of the amount. These statements describe different or unclear routes; obtain the applicable tariff in writing.
- Timing: the page advertises instant payouts from one second to two days for SWIFT. Its FAQ says card payouts can take under a minute, while an AML review may extend a transfer to five working days. These are not guaranteed SLAs.
- Evidence: the page asks for an agreement with the worker or an invoice during a SWIFT transfer. Define how contracts, invoices and recipient checks fit your approval and privacy process.
Legal provider and safeguards
Sends identifies SMARTFLOW PAYMENTS LIMITED, company 11070048, as an authorised electronic money institution with FCA reference 900873. Verify the current register entry, the entity in your contract and the safeguarding terms before prefunding payouts.
Official reference ↗ · Funds & compliance