How to deposit on Bitpanda

Our rating: 4.4
Rails: 6
Countries: 31
Review updated: 2026-08-12

Bitpanda takes 6 payment rails across the 31 countries we rank it in. The widest: SEPA transfer (31 countries), Credit or debit card (31 countries), Apple Pay (30 countries).

Every rail, by how far it reaches

Counted from our country guides: a rail is listed here only where at least one country we rank Bitpanda in carries it. Each rail opens its own page with the exact countries.

Domestic bank rail

Domestic bank rail on Bitpanda: each rail with the number of countries it is offered in.
Rail	Countries	Speed
iDEAL	1Netherlands	You approve in your bank app and the merchant gets confirmation immediately, so an exchange normally credits the deposit within minutes.

SEPA (euro area)

SEPA (euro area) on Bitpanda: each rail with the number of countries it is offered in.
Rail	Countries	Speed
SEPA transfer	31Austria, Belgium, Bulgaria +28	One business day at most for an electronically submitted order, so a Friday evening transfer typically lands on Monday.
SEPA Instant	21Austria, Belgium, Bulgaria +18	Funds must be made available to the recipient within ten seconds of the payment order, at any hour including weekends and public holidays.

Card

Card on Bitpanda: each rail with the number of countries it is offered in.
Rail	Countries	Speed
Credit or debit card	31Austria, Belgium, Bulgaria +28	Authorisation is real time, so a card deposit normally lands within seconds and rarely takes more than a few minutes.

Pay wallet

Pay wallet on Bitpanda: each rail with the number of countries it is offered in.
Rail	Countries	Speed
Apple Pay	30Austria, Belgium, Bulgaria +27	Instant, because it is an ordinary card authorisation approved in a second or two, exactly as fast as tapping the underlying card.
Google Pay	30Austria, Belgium, Bulgaria +27	Instant, since the transaction is a normal card authorisation approved in a second or two, so the deposit arrives as quickly as the underlying card allows.

As published by Bitpanda: SEPA transfer, Debit and credit cards, Apple Pay, Google Pay.

Frequently asked questions

What payment methods does Bitpanda accept?

6 rails across the countries we rank it in: SEPA transfer, Credit or debit card, Apple Pay, Google Pay, SEPA Instant and iDEAL. Which of them you can use depends on your country; each rail below lists exactly where it is offered.

Can I deposit by bank transfer on Bitpanda?

Yes. SEPA transfer, SEPA Instant and iDEAL are on our record for Bitpanda, covering 31 countries between them.

Can I pay by card on Bitpanda?

Yes. Credit or debit card is offered in 31 countries we rank Bitpanda in. SEPA transfers are free; card, Apple Pay, and Google Pay deposits carry processing fees.

Does Bitpanda take mobile money or e-wallets?

Yes: Apple Pay and Google Pay, in 30 countries. These are local rails, so each one is offered only where the wallet itself operates.