Popular banks and how to receive money in a country
Sending money to another country starts with a boring question: where exactly will it land? Here is a short orientation for a few popular destinations: the currency code, the banks most people have, and what the recipient should send you.
What the recipient must give you
For a transfer to an account: the account number or IBAN, the bank's name or BIC/SWIFT code and the recipient's name exactly as the bank has it. For a card payout: the 16-digit card number and the name on the card. For a stablecoin transfer: the wallet address and the network. A screenshot from the recipient's banking app avoids most typos.
Countries
Turkish accounts use IBANs starting with TR. Big retail banks are Ziraat, Garanti BBVA and İşbank. Money from abroad arrives either as a SWIFT transfer to a lira or foreign-currency account, or as a card payout through a remittance app.
Germany → Turkey → · United Kingdom → Turkey →Salaries and cards run in dinars, but most banks also open a euro account, which is where transfers from abroad usually land. The largest banks include Banca Intesa, Raiffeisen and OTP. Card-to-card payouts from remittance apps are common.
Germany → Serbia → · Russia → Serbia →TBC and Bank of Georgia hold most of the market and open multi-currency accounts (GEL, USD, EUR) for non-residents fairly easily. Incoming SWIFT transfers and card payouts are both routine.
United States → Georgia → · Russia → Georgia →Kaspi is the everyday app for most people, with transfers by phone number inside the country; Halyk is the largest classic bank. From abroad, money usually comes as a SWIFT transfer to a bank account or a payout to a card.
United States → Kazakhstan → · Germany → Kazakhstan →PrivatBank and Monobank issue most of the cards, and a card-to-card payout is the fastest way for money from abroad to arrive. Accounts use IBANs starting with UA.
Poland → Ukraine → · Germany → Ukraine →Polish IBANs start with PL. PKO BP and mBank are among the largest banks. Euro transfers arrive through SEPA; if the account is in zloty, the bank converts at its own rate, so a PLN payout from a remittance app is often better.
United Kingdom → Poland → · Germany → Poland →Everything runs on SEPA and IBANs starting with DE; incoming euro transfers are usually free. Deutsche Bank and Sparkassen are the classic choice, N26 the common app-only one. Card payouts are rare here: use the IBAN.
United States → Germany → · Turkey → Germany →SBI and HDFC are among the largest banks. Inside the country everyone pays with UPI; from abroad money arrives to a bank account (account number plus IFSC code) through a remittance app or a bank. Rules on foreign transfers and on crypto are strict, so check the current requirements.
United States → India → · United Arab Emirates → India →Card or account?
A card payout is fast and needs the fewest details, but not every service offers it in every country and the amount per transfer is often capped. An account transfer takes longer and needs an IBAN, but works everywhere and suits larger sums. A stablecoin transfer sidesteps both and lands in a wallet; the recipient then cashes out locally, which is where a local service's rate matters.
Whichever way you choose, compare the amount that arrives rather than the fee. The converter does that for each pair and amount:
Rates and fees in this article are live estimates and change all the time. Check the final amount in the provider's app before sending. This is general information, not financial advice.