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 instantly using SEPA bank transfer.
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This ad promotes virtual cryptocurrency investing within the EU (by eToro Europe Ltd. and eToro UK Ltd.) & USA (by eToro USA LLC); which is highly volatile, unregulated in most EU countries, no EU protections & not supervised by the EU regulatory framework.
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Last Update October 10th, 2023. SEPA bank transfer 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
 | Etoro | Free, $5 withdrawal fee | Worldwide |
 | Paybis | Free | Worldwide |
 | CEX.IO | Free | Worldwide |
 | Kraken | Free | Worldwide |
 | Coinbase | Free | 102 countries (see full list) |
 | Gemini | Free | 60+ Countries |
 | Coinmama | Free | Worldwide |
Table of Contents
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
- Create an account with Etoro.
- Verify your account.
- Connect your bank account and fund your trading portfolio with a SEPA transfer.
- Go to ‘Bitcoin’ and select the amount you want to buy.
- Bitcoins are added to your Etoro portfolio.
That’s it! You have successfully purchased bitcoin with SEPA transfer as the payment method.
7 Ways To Buy Bitcoin With SEPA Bank Transfer
Etoro
| 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 investment platform. The value of your investments may go up or down. Your capital is at risk.
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. Customers may withdraw funds from their Etoro account at any time, and without fees from the platform (though charges from your bank may apply).
Minimum first time deposit for US users is $100 USD and $200 USD for most countries.
Etoro accepts deposits in USD, EUR, GBP, and AUD. Watch this video to get a step-by-step guide on how to buy bitcoin on Etoro.
Pros
- Diverse selection of markets
- Excellent reputation
- User-friendly interface
- Great customer support
- Low fees
Cons
- Bitcoins can not be withdrawn
Disclaimer: Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you should not expect to be protected if something goes wrong. Take 2 mins to learn more. https://med.etoro.com/B21058_A96320_TClick.aspx
Crypto assets are unregulated & highly speculative in some EU countries. No consumer protection. Capital at risk.
Crypto investing is offered by eToro (Europe) Ltd. and custody is provided by eToro Germany GmbH. Your capital is at risk.
eToro AUS Capital Limited AFSL 491139. eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. See PDS and TMD.
| Reputation | Fees | Privacy | Limits |
|---|---|---|---|
| Excellent | Low | High | High |
Please note that CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage.
76% 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.
Past performance is not an indication of future results. Trading history presented is less than 5 complete years and may not suffice as basis for investment decision.
Copy Trading does not amount to investment advice. The value of your investments may go up or down. Your capital is at risk.Cryptoasset investing is highly volatile and unregulated in some EU countries. No consumer protection. Tax on profits may apply.
eToro USA LLC does not offer CFDs and makes no representation and assumes no liability as to the accuracy or completeness of the content of this publication, which has been prepared by our partner utilizing publicly available non-entity specific information about eToro.
Paybis
| Website: | paybis.com |
| CEO: | Innokenty Isers |
| Headquarters: | Glasgow, United Kingdom |
| Founders: | Innokenty Isers, Konstantins Vasilenko, 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
| Reputation | Fees | Privacy | Limits |
|---|---|---|---|
| Excellent | High | High | High |
CEX IO
| 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
| Reputation | Fees | Privacy | Limits |
|---|---|---|---|
| Excellent | Low | High | High |
Coinbase
| 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
| Reputation | Fees | Privacy | Limits |
|---|---|---|---|
| Excellent | Low | High | High |
Kraken
| 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 and offers a vast selection of cryptocurrencies and internationally accepted funding methods.
Kraken Pro provides individual and institutional investors with advanced 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
| Reputation | Fees | Privacy | Limits |
|---|---|---|---|
| Excellent | Low | High | High |
Coinmama
| 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
| Reputation | Fees | Privacy | Limits |
|---|---|---|---|
| Excellent | Low | High | High |
Gemini
| Website: | gemini.com |
| CEO: | Cameron Winklevoss, Tyler Winklevoss |
| Headquarters: | New York, New York |
| Founders: | Cameron Winklevoss, Tyler Winklevoss |
| Founded: | 2014 |
| Customer service: | Knowledge Base |
Gemini is a simple, elegant, and secure way to build your bitcoin and crypto portfolio. Gemini has low fees and a strong reputation.
The dashboard makes it easy for investors to view a snapshot of their holdings upon login.
Gemini accepts deposits in USD, AUD, CAD, EUR, GBP, and HKD for trading.
Pros
- Ability to set real-time market limit orders
- Low fees
- Clean user interface
- Strong reputation
- Great customer support
Cons
- Exclusive to a limited number of countries
| Reputation | Fees | Privacy | Limits |
|---|---|---|---|
| Excellent | Low | High | High |
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 in one unified system. Only citizens living in an Eurozone location are able to open a bank account and use SEPA to receive salaries and transfer payments across Europe.
How To Make A SEPA Transfer
To send a SEPA transfer the following requirements must be met:
- Recipient International Bank Account Number (IBAN)
- Recipient bank is a member of SEPA
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, 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)