Euro from Ireland to a San Marino account
San Marino uses the euro and is reachable through SEPA, so this is a euro to euro payment with nothing to convert at either end. Cassa di Risparmio della Repubblica di San Marino and Banca di San Marino are both supported, and the IBAN is all you need.
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A small republic and a specific payment
San Marino is a republic of about sixty square kilometres inside Italy. There is no Sammarinese community in Ireland to speak of, and this page is not going to invent one. If you are here, you almost certainly have one particular payment to make.
Usually that means a company. San Marino has a long standing manufacturing and services base, and Irish businesses occasionally buy from it, licence from it or contract with a firm registered there. Sometimes it is personal instead: a purchase, a professional fee, or family reached through an Italian side of a household.
Either way the mechanics are as simple as this network gets. Euro leaves your Grey balance in Ireland, euro is credited to the San Marino account, and the figure does not change along the way.
Making the payment
Open the account
Nothing to pay, about five minutes, and one identity document. Worth doing while the invoice or the IBAN is still on its way to you.
Fund in euro
Move euro in from an Irish bank or credit union account, or from Revolut, by ordinary SEPA transfer.
Send to the IBAN
Enter the San Marino IBAN, which begins with SM, confirm the amount and the fee, and send.
What it costs
A rate only enters if your money starts in another currency. Converting sterling or dollars to euro on Grey is priced separately and shown separately, so nothing is folded into a single vague total.
On the San Marino side there is nothing further. No local conversion, and no difference between the figure you approved in Ireland and the figure on the statement.
The figure is settled before you send
If a conversion is involved on your side, the rate appears before confirmation and is fixed at that point. If you already hold euro, the amount simply passes through unchanged.
For a one off payment against an invoice, that is the whole requirement: send the number on the document, and have that number arrive.
Grey against a payment from your Irish bank
For a single euro payment to a San Marino IBAN, an Irish bank can do it and Grey is not claiming a different set of rails. What Grey offers is the fee shown before you commit rather than on a statement afterwards, tracking from confirmation to settlement, and a balance that holds euro, sterling and dollars for anyone whose payments are not all in one currency. If San Marino is the only place you ever pay, that is a modest advantage and you should weigh it as one.
What the recipient sees
A euro credit through SEPA, arriving as an ordinary European payment, with nothing asked of the San Marino side to accept it.
San Marino banks
Cassa di Risparmio della Repubblica di San Marino and Banca di San Marino, reached with the IBAN alone.
Timing
Typically minutes from a funded balance, with SEPA Instant settling in under 10 seconds where the receiving bank supports it.
Nothing to collect
It posts straight to the account, with no code to quote and nobody in San Marino asked to register for anything.
Getting euro onto the balance
One top up usually covers the whole job on this route.
Save Grey as a payee
Add the euro details to your Irish banking app once, in case a second payment follows.
Fund against the invoice
Move the euro when the invoice arrives rather than on the day it falls due.
From another Grey user
Anyone else on Grey can send you euro by GreyTag, free and instant, before the payment goes.
Save the IBAN afterwards, because a second payment to San Marino tends to arrive long enough later that nobody remembers the details.
What gets paid
Suppliers and manufacturers
Irish firms paying companies registered in San Marino against euro invoices.
Professional fees
Legal, accounting and agency work billed from San Marino, usually as a single stated amount.
Purchases
Equipment, parts or goods bought from a Sammarinese seller and paid by bank transfer.
Family reached through Italy
The occasional household payment, where the account happens to sit on the San Marino side of the border.
A short list, in keeping with the size of the place.
Why use Grey here
Get the IBAN from the invoice rather than from memory, and quote the invoice number in the reference.
That is genuinely all this corridor asks of you. San Marino IBANs begin with SM, the euro you send is the euro credited, and the payment typically lands within minutes of confirmation. Nobody on the San Marino side needs a Grey account or has to do anything to receive it.
FAQs
Is Grey worth using for a single payment to San Marino?
For one euro payment an Irish bank does the same job. Grey suits you better if you also pay in other currencies or countries.
What if my money is in sterling rather than euro?
Hold the sterling on Grey and convert to euro at a rate shown before confirmation, then send that euro to the San Marino IBAN.
Does San Marino use the euro?
Yes, and it is reachable through SEPA, so euro sent from Ireland is credited in euro with nothing converted at either end.
What does a San Marino IBAN look like?
It begins with SM rather than IT. Copy it from the invoice exactly, because the country prefix is the part people get wrong.
Which San Marino banks can Grey pay?
Cassa di Risparmio della Repubblica di San Marino and Banca di San Marino, both reached with the IBAN and no further details.
How long does a payment from Ireland to San Marino take?
Typically minutes from a funded euro balance, and under 10 seconds where the receiving bank supports SEPA Instant.
Can an Irish business pay a company registered in San Marino?
Yes. Invoices there are raised in euro, so the credit matches the invoice exactly and reconciles without any conversion.
Does the recipient in San Marino need a Grey account?
No. The euro arrives in their existing account as an ordinary SEPA credit, with nothing to sign up for or collect.
Is anything deducted when the euro reaches San Marino?
No. Both ends use the euro, so the amount you confirmed in Ireland is the amount credited to the account.
Should I put a reference on a payment to San Marino?
Yes. Quoting the invoice number lets the recipient match the payment immediately, which matters on a route used once or twice.
How do I fund the euro balance I pay San Marino from?
By SEPA transfer from AIB, Bank of Ireland, Permanent TSB, An Post Money, your credit union or Revolut into your Grey balance.
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