Buy bitcoin with SEPA transfer in Monaco
- Status
- Legal
- Currency
- Euro (EUR)
- Takes SEPA transfer
- 3 exchanges
- Last reviewed
- 2026-08-12
3 of the exchanges we recommend in Monaco take SEPA transfer for funding bitcoin purchases. It is the rail local buyers lead with, so it is usually the cheapest and fastest way in.
Exchanges that take SEPA transfer in Monaco
Ranked as in our Monaco guide. Every payment method shown is verified for this exact exchange and country pairing.
- 1
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
- 2
Kraken4.7A 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, Credit or debit card
- 3
Coinbase4.5The 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, Credit or debit card
See the full how-to-buy guide for MonacoEverything about buying bitcoin with SEPA transfer
Other ways to pay in Monaco
SEPA transfer in other countries
- Andorra
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- French Guiana
- French Polynesia
- Germany
- Gibraltar
- Greece
- Guadeloupe
- Hungary
- Iceland
- Ireland
- Italy
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Martinique
- Mayotte
- Moldova
- Netherlands
- Norway
- Poland
- Portugal
- Reunion
- Romania
- San Marino
- Slovakia
- Slovenia
- Spain
- Sweden
- Switzerland
- Vatican City
- Wallis and Futuna Islands
Andorra
Austria
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Estonia
Finland
France
French Guiana
French Polynesia
Germany
Gibraltar
Greece
Guadeloupe
Hungary
Iceland
Ireland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Martinique
Mayotte
Moldova
Netherlands
Norway
Poland
Portugal
Reunion
Romania
San Marino
Slovakia
Slovenia
Spain
Sweden
Switzerland
Vatican City
Wallis and Futuna IslandsFrequently asked questions
Which exchanges accept SEPA transfer in Monaco?
Of the 3 exchanges we recommend in Monaco, Relai, Kraken, Coinbase accept SEPA transfer for funding purchases.
Is buying bitcoin with SEPA transfer legal in Monaco?
Bitcoin is legal in Monaco, which regulates crypto under its own national framework rather than EU law. Law No. 1.491 of 2020 created a regime for token offerings, and Law No. 1.528 of 2022 regulates digital asset business, requiring providers operating from the principality to obtain government authorization. Monaco is not an EU member, so the MiCA regulation does not apply directly, and residents commonly use French and EU-licensed platforms over euro payment rails.