Good points. Thanks.
Edit:
Just checked (why didn’t I previously?). It’s got great reviews all round. 
Just a slight word of warning on this: although sending an international payment through Monzo is easy (due to their integration with Wise), they don’t officially support receiving them.
There is some discussion over on the Monzo community where people have risked it and found that the payment does, eventually, seem to make it through the SWIFT network in the end, but they aren’t supporting it and are not direct participants of either SWIFT or SEPA.
Yes, I remember that. You can generate an IBAN number for IBAN transfers to Monzo and it usually works, but there’s no guarantee.
I forgot Monese as well, which worked for me. They have a UK AND an Estonian (EE) IBAN
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I’ve used Monese before too and had no issues.
Starling, HSBC’s Euro currency account, KBC Bank Ireland, Wise, Fineco, Monese and Revolut have all worked fine for me in the past.
Wise have a BE (Belgian) IBAN, Fineco use IT (Italian) and Monese also have an EU IBAN, as you say.
Sometimes banks don’t “like” GB IBANS even though they shouldn’t treat them any differently!
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Wise also have IBANs for their Turkish, Romanian and Hungarian accounts !
But if I was having difficulties with GB IBANs, I would ask for the deposit to be returned to my Wise Euro account, which has a Belgian IBAN, as pointed out by Seb.
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My Monese Euro account iban is GB not Estonian?
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I think it may depend on when you opened your account and whether or not you have an EU residency form of ID, as it does with Revolut.
I’ve just looked and realised mine is also GB!
Fineco is a good option, as that is always IT, as is Wise because that is always BE. Fineco is probably the best “no fees” option with an EU IBAN.
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I’ve found the Starling euro account to work fine. I’ll be using that for general spending in France, come December.
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A good choice!
My comments regarding Fineco were really just about the (unlikely) situation where somebody is having difficulty sending money to a GB (non-Eurozone) IBAN and you want to receive their Euro transfer into a Euro account without one. For that scenario, Fineco gets around it - but 99% of the time it won’t matter and Starling’s account will work fine.
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Thanks Seb 
Great discussion here, thanks for sharing your experiences.
When making an international payment, it’s essential to have the recipient’s name, IBAN, and the BIC/SWIFT code. Some banks might also request the recipient’s address or additional details, so it’s wise to confirm beforehand.
For sending payments, services like Wise, Revolut, and Starling offer user-friendly platforms with competitive exchange rates and lower fees compared to traditional banks. They also provide Euro-denominated accounts, which can be beneficial if you wish to avoid currency conversion fees.
Regarding receiving payments, ensure you provide your sender with your correct IBAN and BIC/SWIFT code. If you’re using a digital bank, double-check their policies on receiving international transfers, as some may have specific requirements or limitations.
It’s also a good idea to verify any associated fees and the estimated time for the transfer to complete. Planning ahead can help avoid unexpected delays or charges.
Hope this helps!
You don’t need the BIC anymore; the IBAN by itself is enough.
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Holy thread revival! 3 years! 
That’s AI bots for you…
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I’ve only ever really struggled with German IBANs and that seems to no still be a bit of an issue.
We recently received some money from there and the dispensing bank didn’t seem to like a GB IBAN (even though the account was euro denominated) so we sent it to Bunq (NL IBAN) and transferred it from there.
It does confuse some Euro area banks that the UK is still in SEPA.
Or that UK residents can have a euro denominated account with a UK bank.
The colleague I spoke to in a German bank said that their payments system was hard coded so that only a limited range of IBAN prefixes were allowed.
And a variety of German firms no longer send goods to the UK - the paperwork is too onerous and the risk of ‘issues’ is high
Yet the UK is still in the Single Euro Payments Area and IBAN discrimination is still unlawful in this context - should report it. The form will get changed.
I read somewhere that 76% of IBAN issues with discrimination emanate from Germany.
Even where an establishment offers credit/debit card facilities, it’s not uncommon for a non-DE/AT/CH card to be refused on principle.
That’s because the Germans are very suspicious of foreign banking systems. Mind you, I gather that the French only accept French BIC for direct debits.