Buy bitcoin with SEPA transfer
- Type
- SEPA (euro area)
- Works in
- 48 countries
- Accepted by
- 9 exchanges
- Last reviewed
- 2026-08-18
You can fund a bitcoin purchase with SEPA transfer in 48 of the countries we cover, at 9 exchanges we review. Support is decided market by market, so find your country below and follow its guide.
What is SEPA transfer?
SEPA transfer is the ordinary euro bank transfer, formally the SEPA Credit Transfer scheme, which is run by the European Payments Council and reaches the 41 countries and territories of the Single Euro Payments Area. You send it from your normal bank account using the recipient's IBAN, and it is the standard way to move euro into an exchange account. It carries euro only, so a payment in any other currency falls outside the scheme and is priced differently by your bank.
- Speed
- One business day at most for an electronically submitted order, so a Friday evening transfer typically lands on Monday.
- Cost
- Set by your own bank rather than by the scheme, and inside the EU and EEA a euro transfer to another SEPA country must cost the same as a domestic one.
- Limits
- The scheme itself sets no amount cap, but it moves euro only and your own bank applies the daily transfer ceiling and the cut off time that apply to you.
Speed and cost describe the rail itself. What an exchange adds on top varies by platform and is shown per exchange below.
Exchanges that take SEPA transfer
- Kraken4.7
48 country listings with SEPA transfer
- Coinbase4.5
41 country listings with SEPA transfer
- Relai4.5
39 country listings with SEPA transfer
- Binance4.2
35 country listings with SEPA transfer
- Bitpanda4.4
31 country listings with SEPA transfer
- Bitstamp4.3
30 country listings with SEPA transfer
- Bitvavo4.5
27 country listings with SEPA transfer
- Coinmama3.9
4 country listings with SEPA transfer
- CEX.IO4.0
1 country listing with SEPA transfer
Where SEPA transfer works
Every country guide that lists SEPA transfer. Dedicated pages exist where at least one recommended exchange takes it.
- Albania
- 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
- Monaco
- Montenegro
- Netherlands
- North Macedonia
- Norway
- Poland
- Portugal
- Reunion
- Romania
- San Marino
- Serbia
- Slovakia
- Slovenia
- Spain
- Sweden
- Switzerland
- Vatican City
- Wallis and Futuna Islands
Albania
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
Monaco
Montenegro
Netherlands
North Macedonia
Norway
Poland
Portugal
Reunion
Romania
San Marino
Serbia
Slovakia
Slovenia
Spain
Sweden
Switzerland
Vatican City
Wallis and Futuna IslandsCaveats by country
Where SEPA transfer exists but comes with strings attached, straight from the country research.
- Albania
- euros only; Albanian banks joined the scheme in 2025
- North Macedonia
- euros only; North Macedonian banks joined the scheme in 2025
- Montenegro
- Montenegrin banks joined the scheme in November 2024
- Serbia
- euros only; live at Serbian banks since May 2026, no SEPA Instant yet
Frequently asked questions
Which exchanges accept SEPA transfer?
Of the exchanges we review, Kraken, Coinbase, Relai, Binance, Bitpanda, Bitstamp, Bitvavo, Coinmama, CEX.IO accept SEPA transfer in at least one country. Support is per market, so check your country guide for the exact list where you live.
Where can I buy bitcoin with SEPA transfer?
SEPA transfer appears in 48 of our country guides: Albania, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic and more. Each guide lists the exchanges that take it there and how it is named locally.