Euro from Ireland to an Estonian IBAN
Estonia has used the euro since 2011, so a payment from your Grey euro balance reaches Swedbank Estonia, SEB Estonia or LHV Bank as euro, with no conversion on either side. SEPA credits typically arrive within minutes and the fee is shown before you confirm.
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A small corridor with one very specific use
Not many people move between Ireland and Estonia, and the honest description of this route is that it is mostly work. Estonia produces far more software contractors than a country of its size should, and Irish companies hire them: a developer in Tartu on a retainer, a design studio in Tallinn invoicing a Dublin product team, a one person company set up through e-Residency and billing in euro.
Alongside that sits a smaller flow of Estonians working in Ireland who send money back to family, and Irish freelancers doing the reverse.
For all of them the mechanics are the same and unusually plain. Euro leaves Ireland, euro arrives in Estonia, and the invoice total is the only figure anyone has to agree on.
Paying an Estonian account in three steps
Register
Opening a Grey account costs nothing, takes about five minutes and needs a valid identity document.
Fund in euro
SEPA transfer from your Irish bank builds the euro balance the Estonian payment will come from.
Pay the invoice
Enter the Estonian IBAN and the invoice reference, check the fee, confirm. The euro lands at Swedbank Estonia, SEB Estonia or LHV Bank.
The cost of paying Estonia from Ireland
For contractor payments that matters more than it looks. A developer invoicing a fixed monthly retainer wants that exact figure in their account, not a number that drifted by a fraction of a percent on the way.
If you fund from dollars held on Grey, one conversion into euro happens first, priced on screen beside the fee. After that the payment behaves like any other euro credit into Estonia.
Rates on a euro to euro payment
There is no rate between Ireland and Estonia. Both use the euro, so the amount you confirm is the amount credited in Tallinn or Tartu.
Where a conversion is involved on your side, the rate is displayed first and fixed at confirmation, so an invoice total stays exact between sending and settlement.
Grey compared with paying Estonia through an Irish bank
Your Irish bank can send euro to Estonia over SEPA too, so the difference is not the rails. It is that the charge sits in a tariff schedule rather than on the payment screen, that references are easier to lose, and that you cannot watch the payment settle. Grey prices it where you can see it, keeps the reference attached, and shows you when the Estonian bank has it.
What the Estonian account shows
A euro credit in their Estonian account with your reference intact, which is what a contractor needs for their own books. No Grey account required.
Estonian banks
Swedbank Estonia, SEB Estonia, LHV Bank and any Estonian bank with an IBAN.
Arrival time
Credits over SEPA typically arrive within minutes of confirmation from a funded balance.
If they use Grey
GreyTag between two Grey users is free and instant, in any currency they hold.
Funding your Grey account from Ireland
The Irish end is ordinary. You may already keep Revolut for day to day payments; Grey is where the euro sits when it has an invoice attached to it.
Irish bank SEPA
From an AIB, Bank of Ireland, Permanent TSB, An Post Money or credit union account.
Foreign currency income
Dollars into a USD account provided by Lead Bank, then a single conversion into euro.
Money already on Grey
An existing euro balance pays the Estonian IBAN without any wait.
Save each contractor once, with their IBAN and the reference format they ask for, and monthly payment becomes a two field job.
What money from Ireland goes to Estonia for
Contractor retainers
Monthly payments to developers, designers and analysts in Tallinn and Tartu.
Agency invoices
Irish firms settling with Estonian software studios and engineering partners.
Company costs
Accountancy, state fees and service charges for a company run through e-Residency.
Family transfers
Estonians working in Ireland sending support back to Pärnu, Narva or Tallinn.
Mostly work, some family, occasionally both in the same household. The amounts are usually precise rather than round.
Why use Grey between Ireland and Estonia
FAQs
Which Estonian banks can Grey pay into from Ireland?
Swedbank Estonia, SEB Estonia, LHV Bank and any other Estonian bank with an IBAN. Your recipient needs no Grey account.
Is anything converted sending euro from Ireland to Estonia?
No. Estonia uses the euro, so the invoice total you confirm in Ireland is the amount credited to the Estonian account.
Can I pay a contractor in Tallinn a fixed monthly retainer?
Yes. Save their Estonian IBAN and reference once, then each month takes only the amount and a confirmation from your euro balance.
Will my payment reference reach the Estonian bank?
Yes. The reference you enter travels with the euro credit, which is what an Estonian contractor needs to reconcile their own invoices.
How quickly does a SEPA credit reach LHV Bank?
From a funded euro balance, credits to Estonian banks typically arrive within minutes, and the payment is trackable until it settles.
Can I pay the costs of an e-Residency company?
Yes. Accountancy fees, state charges and service invoices can all be paid in euro to the Estonian account that issued them.
What details do I need for an Estonian transfer?
The recipient's name, their Estonian IBAN and any reference they have asked for. Grey shows the fee before you confirm.
Is Grey different from paying Estonia through my Irish bank?
Both use SEPA. Grey shows the fee on the payment screen rather than a tariff, and lets you follow the credit to settlement.
Can I send to family in Narva or Pärnu, not just Tallinn?
Yes. Any Estonian bank account with an IBAN works, wherever in the country your recipient lives.
What if I hold dollars rather than euro on Grey?
They convert once into euro at the rate fixed on confirmation, then the payment reaches Estonia as an ordinary euro credit.
Does my Estonian contractor pay anything to receive it?
Nothing is deducted by Grey on arrival. It lands as a standard euro credit in the account they already use.
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