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SEPA is a popular way for citizens of the European Union and surrounding countries to send and receive payments using the money in their bank account.

In this guide, we are covering the best ways you can buy bitcoin directly using SEPA bank transfer.

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Etoro

The World’s Leading Social Trading And Investment Platform For Cryptocurrency

Virtual currencies are highly volatile. Your capital is at risk.

Best Bitcoin Exchange

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CEX.IO

The Easiest And Most Secure Platform To Buy & Trade Cryptocurrency

 

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Coinbase

The World’s Leading Cryptocurrency Exchange Trusted By Over 30 Million Users

SEPA icon

Last Update May 27th, 2020. SEPA is exclusive to citizens of the European Union and simplifies all bank transfers denominated in Euros.

SEPA bank transfer is also a popular method of payment for buying bitcoin instantly and securely.

If you are buying or trading bitcoin in high volumes with SEPA transfer our recommendation is to use Etoro or CEX.IO for your trading needs.

Where To Buy Bitcoin With SEPA Transfer

 
Company
Fees
Countries Supported
Etoro Icon Resized
Etoro

Free, $5 withdrawal feeWorldwide
CEX IO Icon Resized
CEX.IO

FreeWorldwide
Kraken Bitcoin Exchange Icon Resized
Kraken


FreeWorldwide
Coinbase Icon Resized
Coinbase


Free102 countries (see full list)
Coinmama Icon Resized
Coinmama

FreeWorldwide

How Can I Buy Bitcoin With SEPA Bank Transfer?

If you want to buy bitcoin using SEPA bank transfer then you have to find a reputable exchange or marketplace that will let you do it.

How To Buy Bitcoin With SEPA On Etoro Summary

  1. Create an account with Etoro.
  2. Verify your account.
  3. Connect your bank account and fund your trading portfolio.
  4. Go to ‘Bitcoin’ and select the amount you want to buy.
  5. Bitcoins are added to your Etoro portfolio.

That’s it! You have successfully purchased bitcoin with SEPA transfer as the payment method.

9 Ways To Buy Bitcoin With SEPA Bank Transfer

Etoro

Etoro Homepage - Build A Better Crypto Portfolio

Rating:

Website:etoro.com
CEO:Yoni Assia
Headquarters:London, United Kingdom
Founders:David Ring, Ronen Assia, Yoni Assia
Founded:2007
Customer service:Knowledge Base

Etoro is a multi-asset platform that offers both investing in stocks and cryptocurrencies, as well as trading CFD assets.

Please note that CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Since 2007, Etoro has been democratizing traditional money management in order to open the financial markets to everyone, everywhere.

Deposits may be made via online bank transfer, wire transfer, e-wallet (PayPal, Skrill, or Neteller), or bank card, and the minimum deposit amount is $50. Customers may withdraw funds from their Etoro account at any time, and without fees from the platform (though charges from your bank may apply).

Etoro accepts deposits in USD, EUR, GBP, JPY, AUD, RUB, CNH, and CAD.

Pros

  • Diverse selection of markets
  • Excellent reputation
  • User-friendly interface
  • Great customer support
  • Low fees

Cons

  • Bitcoins can only be withdrawn in the form of fiat currency

Disclaimer: 75% of retail investor accounts lose money when trading CFDs


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Disclaimer: eToro is a multi-asset platform which offers both investing in stocks and cryptocurrencies, as well as trading CFD assets.

Please note that CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage.

75% of retail investor accounts lose money when trading with this provider. You should consider whether you understand how CFDs work, and whether you can afford to take the high risk of losing your money.

Cryptocurrencies are a highly volatile unregulated investment product. No EU investor protection.

eToro USA, LLC does not offer any CFDs and makes no representations and assumes no liability for the accuracy or completeness of the content of this publication, which was created by our partner using publicly available, non-company specific information about eToro.

CEX IO

CEX.IO Homepage

Rating:

Website:cex.io
CEO:Oleksandr Lutskevych
Headquarters:London, United Kingdom
Founders:Oleksandr Lutskevych, Dmytro Kalynovskyi, Victoria Polyakova, Peter Ivanov
Founded:2013
Customer service:Knowledge Base
More information:Read Review

CEX.IO is a multifunctional cryptocurrency exchange that is trusted by millions of customers worldwide and allows users to buy bitcoin with a credit card or debit card seamlessly.

CEX.IO boasts multiple payment options (SWIFT, SEPA, ACH, Faster Payments), 24/7 customer support, and proven platform stability.

CEX.IO accepts deposits in USD, EUR, GBP, and RUB.

Pros

  • Established and trustworthy
  • Supported worldwide
  • Low fees
  • Simple credit card purchases
  • Clean user interface

Cons

  • Verification procedure requires private information
  • Lengthy verification time

ReputationFeesPrivacyLimits
ExcellentLowHighHigh

Kraken

Kraken Homepage

Rating:

Website:kraken.com
CEO:Jesse Powell
Headquarters:San Francisco, California
Founders:Jesse Powell
Founded:2011
Customer service:Knowledge Base

Kraken is the world's largest Bitcoin exchange in terms of both total volume and liquidity and accepts almost every type of bank or wire transfer as a funding method.

Kraken Pro provides individual investors with real-time trading and charting tools.

Kraken accepts deposits in USD, EUR, CAD, GBP, JPY, and CHF.

Pros

  • Respectable reputation
  • Global support
  • Reliable customer support
  • Tiered verification
  • Affordable fees

Cons

  • Few payment methods
  • Sophisticated UI

ReputationFeesPrivacyLimits
ExcellentLowHighHigh

Coinbase

Coinbase Homepage

Rating:

Website:coinbase.com
CEO:Brian Armstrong
Headquarters:San Francisco, California
Founders:Brian Armstrong, Fred Ehrsam
Founded:2012
Customer service:Knowledge Base
More information:Read Review

Coinbase is the dominant U.S. cryptocurrency exchange that is known, used and trusted by millions of customers worldwide. The world-class user interface is both colorful and accessible and there is even a mobile app available for Android and iOS.

Coinbase accepts deposits in USD, EUR, GBP, CAN, AUS, and SGD.

Pros

  • Established reputation
  • User-friendly interface
  • High liquidity
  • Large purchasing limits
  • Strong security

Cons

  • Support takes time to respond
  • Slow bank transfers

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ExcellentLowHighHigh

Coinmama

Coinmama Homepage

Rating

Website:coinmama.com
CEO:Sagi Bakshi
Headquarters:Israel
Founders:Laurence Newman, Nimrod Gruber, Ilan Schuster
Founded:2013
Customer service:24/7 email support and Knowledge Base
More information:Read Review

Coinmama specializes in selling Bitcoin and cryptocurrencies instantly with a credit card, or with bank transfer and is one of the most popular exchanges in the world.

Coinmama accepts all currencies, in particular, USD, EUR, GBP, CAD, AUD, and JPY.

Pros

  • Available worldwide
  • High purchasing limits
  • Dependable and trustworthy
  • Excellent leadership and customer support
  • Fast and secure transactions

Cons

  • High fees when purchasing with a credit card or debit card
  • Delay in processing time

ReputationFeesPrivacyLimits
ExcellentLowHighHigh

Paybis

Paybis Homepage
Rating:

Website:paybis.com
CEO:Innokenty Isers
Headquarters:Glasgow, United Kingdom
Founders:Innokenty Isers, Konstantin Vasilenko and Arturs Markevics
Founded:2014
Customer service:Knowledge Base

Paybis is a digital and cryptocurrency exchange that specializes in fast and reliable transactions while providing a large number of payment options.

Paybis accepts deposits in USD, EUR, CAD, GBP, and JPY.

Pros

  • Large purchasing limits
  • Wide range of payment options
  • Intuitive and user-friendly interface
  • Global support
  • 24/7 Multilingual customer service

Cons

  • Bank transfers can take 1 to 5 days to complete
  • Above-average fees

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ExcellentHighHighHigh

Bitit

BitIt Homepage

Rating:

Website:bitit.io
CEO:Nicolas Katan
Headquarters:Paris, France
Founders:Nicolas Katan, Ugo Mare, Simon Potier
Founded:2015
Customer service:Knowledge Base

Bitit is developed, hosted, and regulated in Paris, France. BitIt is one of the most convenient platforms for buying and selling crypto-assets.

Bitit accepts deposits in USD, EUR, GBP, JPY, AUD, CAD, CNY, HKD, KRW, SGD, ZAR, DKK, SEK, NOK, and TRY.

Pros

  • Supports many currencies
  • Large selection of cryptocurrencies
  • High purchasing limits
  • Ledger and Trezor wallet support

Cons

  • Lengthy verification

ReputationFeesPrivacyLimits
GreatHighHighHigh

Wirex

Wirex App Homepage

Rating:

Website:wirexapp.com
CEO:Pavel Matveev
Headquarters:London, United Kingdom
Founders:Dmitry Lazarichev, Pavel Matveev
Founded:2014
Customer service:Knowledge Base

Wirex is a debit card that automatically converts multiple crypto and fiat currencies at the point of sale, letting you seamlessly spend money from your Wirex account in real life, anytime, anywhere.

Once you add money to your Wirex account you can exchange between any of the currencies in-app or online, instantly.

Wirex accepts deposits in AUD, CAD, EUR, CHF, CZK, GBP, HKD, JPY, MXN, SGD, and USD.

Pros

  • Multiple funding methods
  • Ability to purchase bitcoin at market rate
  • Wallet and exchange

Cons

  • The initial lag time
  • Not supported in all countries

ReputationFeesPrivacyLimits
GreatLowHighHigh

Paxful

Paxful Homepage

Rating

Website:paxful.com
CEO:Ray Youssef
Headquarters:New York, New York
Founders:Ray Youssef, Artur Schaback
Founded:2015
Customer service:Knowledge Base
More information:Read Review

Paxful is a person-to-person marketplace that supports over 300 payment methods.

Paxful gives vendors the ability to create offers in all currencies.

Pros

  • Escrow system
  • Security
  • Diverse payment methods
  • Simple user interface (UI)
  • Wide variety of sellers

Cons

  • Buyers and sellers are at risk of being scammed

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What Is A SEPA Bank Transfer?

The Single Euro Payments Area (SEPA) is a system of transactions created by the European Union to establish efficient cross-border cashless payments into one unified system.

How SEPA Works

Where Is SEPA Supported?

  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland (including Aland Islands)
  • France (including French Guiana, Guadeloupe, Martinique, Mayotte, Saint Barthélemy, Saint Martin, Réunion, and Saint Pierre and Miquelon)
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Monaco
  • Netherlands
  • Norway
  • Poland
  • Portugal (including Azores and Madeira)
  • Romania
  • San Marino
  • Slovakia
  • Slovenia
  • Spain (including the Canary Islands and Ceuta en Melilla)
  • Sweden
  • Switzerland
  • United Kingdom  (including Gibraltar)