Buy bitcoin with SEPA Instant in Germany

Status: Legal
Currency: Euro (EUR)
Takes SEPA Instant: 6 exchanges
Last reviewed: 2026-08-12

6 of the exchanges we recommend in Germany take SEPA Instant for funding bitcoin purchases. It is one of several rails in use here; the full picture is in the Germany guide.

Exchanges that take SEPA Instant in Germany

Ranked as in our Germany guide. Every payment method shown is verified for this exact exchange and country pairing.

1
Bitpanda4.4
Austria's regulated broker with three MiCAR licenses, built for European savers who fund by SEPA.
Fees
Bitcoin buys show no separate commission; the cost sits in a premium built into the quoted price. SEPA deposits are free, card deposits carry a fee.
KYC
Required
Pay with
SEPA transfer, SEPA Instant, Credit or debit card
Buy on Bitpanda Read the Bitpanda review
2
Relai4.5Bitcoin-only
Swiss bitcoin-only app with SEPA instant buys, self-custody by default, and a MiCA license covering the EEA.
Fees
Around 1 percent per purchase, varying by volume and tier.
KYC
Required
Pay with
SEPA transfer, SEPA Instant, Sofort
Buy on Relai Read the Relai review
3
Kraken4.7
A 2011-vintage exchange with one of the cleanest security records in the business, heading toward a US stock listing.
Fees
Kraken Pro charges 0.25% maker and 0.40% taker below $10,000 in 30-day volume, falling from there. The simple Buy widget and card purchases include a spread and cost noticeably more.
KYC
Required
Pay with
SEPA transfer, SEPA Instant, Credit or debit card
Buy on Kraken Read the Kraken review
4
Coinbase4.5
The easiest US on-ramp for beginners, publicly listed, and legally in the clear since the SEC dropped its case.
Fees
Simple buys layer a flat fee and a spread and are the expensive way in. Advanced Trade, in the same account, uses maker-taker pricing that falls with 30-day volume and costs a fraction of simple-buy rates.
KYC
Required
Pay with
SEPA transfer, SEPA Instant, Credit or debit card
Buy on Coinbase Read the Coinbase review
5
Bitstamp4.3
One of the oldest bitcoin exchanges, now owned by Robinhood and powering its UK and institutional crypto rails.
Fees
Order-book trading uses maker-taker pricing that falls with 30-day volume. Card purchases and instant buys cost more than order-book trades.
KYC
Required
Pay with
SEPA transfer, SEPA Instant, Credit or debit card
Buy on Bitstamp Read the Bitstamp review
6
Binance4.2
The largest crypto exchange by volume: deep liquidity and low fees, operating under a US settlement with mandatory KYC.
Fees
Spot trading starts at 0.1% maker and taker, with a 25% discount for paying fees in BNB. Card purchases and instant buys cost more because a spread and processing fee are added.
KYC
Required
Pay with
SEPA transfer, SEPA Instant, Credit or debit card
Buy on Binance Read the Binance review

See the full how-to-buy guide for Germany Everything about buying bitcoin with SEPA Instant

Other ways to pay in Germany

SEPA Instant in other countries

Frequently asked questions

Which exchanges accept SEPA Instant in Germany?

Of the 6 exchanges we recommend in Germany, Bitpanda, Relai, Kraken, Coinbase, Bitstamp, Binance accept SEPA Instant for funding purchases.

Is buying bitcoin with SEPA Instant legal in Germany?

Bitcoin is fully legal in Germany. Exchanges serving German customers need authorisation under the EU's MiCA regulation, supervised nationally by BaFin, and Germany was among the first countries to issue MiCA licences in 2025. German tax law is unusually favourable to patient holders: gains on bitcoin held for more than one year are tax-free for private individuals, a treatment confirmed by the Federal Ministry of Finance in its 2022 guidance and reaffirmed in its March 2025 update.