Buy Crypto with SEPA

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This article will provide you with information on reliable cryptocurrency platforms where you can conveniently buy crypto from your bank through SEPA transfer.

Buy Crypto With SEPA: Introduction

The Single Euro Payment Area (SEPA) is a modern payment channel authorized by the European Union. Additionally, to facilitate easy bank transactions between residents of its member countries and a few other countries that also support Euro bank transfers. Basically, SEPA was introduced with the sole aim of improving the efficiency of cross-border payments. Thereby making it as convenient as conducting a regular domestic transfer within the country.

Due to the massive adoption of cryptocurrencies in recent years, many crypto platforms have found ways to incorporate this modern payment channel in such a way that users can now conveniently buy crypto with fiat from their banks.

Places To Buy Crypto With SEPA

First of all, I want to give you a summary of the most reliable exchanges to buy cryptocurrencies with SEPA transfer.

The cryptocurrency markets are still in its infancy and due to lack of regulation the sector is considered the ‘digital wild-west’. As a result, crypto exit scams and exchange hacks are part of this industry. Therefore, if you want to buy crypto with EURO or SEPA transfer these are the exchanges to go that are most trustworthy.


Buy Crypto with SEPA on Coinbase

Coinbase is one of the world’s leading digital currency exchanges. Moreover, this exchange provides users the opportunity to conveniently buy, sell, and store cryptocurrencies. Currently, the broker exchanges of Bitcoin and a wide range of altcoins with fiat currencies in about 32 countries. SEPA transfer is one of the most convenient payment methods available for European users on Coinbase, with their withdrawal transactions attracting a remarkably low fee. Also, transactions usually take several days to complete.

Easy bank verification process. Slow transaction process.
Low transaction fees. Poor customer support system.
High liquidity and buying limits. Withdrawals are allowed only after completing a successful SEPA deposit.


Buy Crypto with SEPA with Coinmama

Coinmama is a financial service platform established in 2013 to promote fast and safe transactions with digital currencies from anywhere in the world. In particular, Coinmama provides an avenue for users to buy, sell, cryptocurrencies conveniently. Besides, this platform doesn’t allow you to store cryptocurrency on its platform. Buying goes directly from your wallet and is very secure as you don’t need to trust an exchange to store your private keys.

Also, arguably one of the best customer support team in the industry. Currently, Coinmama allows SEPA bank transfer purchases of up to $12000 (€11,093) daily and their processing fee ranges between 4.9%-5.9%, depending on the volume.

Fast and convenient services. High transaction fees.
High daily purchase limit. Limited crypto options.
Provides a dedicated team of customer support specialists.


Buy Crypto with Bitpanda

Bitpanda is arguable, one of Europe’s leading broker for Bitcoin, Ethereum, and a wide range of other Altcoins. Based in Vienna, Austria, Bitpanda provides a secured environment to enable users to conveniently invest in over 30 digital currencies within minutes. On Bitpanda, users can conveniently perform transactions using SEPA transfer, although their transaction fees are unclear because they are directly tied to the buying prices. All in all, on the bright side, they provide an excellent user interface.

User-friendly interface. Fees are unclear.
High daily purchase limit. Poor response time by customer support.


Buy Bitcoin with Paxful

In the first place, Paxful is a peer-to-peer digital currency marketplace that enables users to buy bitcoins directly. In addition, this buying process goes from themselves without the involvement of any third-party. Paxful provides a vast ecosystem where fast and easy bitcoin transactions can be done in a trustless manner. This basically means that Paxful acts as an escrow during every transaction. 

SEPA transfer is one of the over 300 payment methods available on Paxful for users who intend to purchase bitcoins with fiat. Paxful charges 0.5%-1% transaction fee when a user sells bitcoin using SEPA; on the other hand, buying bitcoins using SEPA transfer is completely free.

Peer-to-Peer transactions. It deals only with Bitcoin.
Little to no transaction fees involved. Its P2P nature exposes users to a lot of scammy transactions.


Similar to Paxful, LocalBitcoins also provides a vast cryptocurrency marketplace that permits peer-to-peer transactions. With LocalBitcoins, a user can simply post an advert of an intended bitcoin transaction. In fact, it can be posted on their website which would also include his preferred exchange rate and mode of payment. LocalBitcoins acts as an escrow during every transaction to ensure both parties fulfill every obligation tied to their transactions. Buy crypto with SEPA transfer is one of the most convenient methods of payment available on this platform. However, both parties involved in the transaction must be within SEPA accepted area.

Peer-to-Peer transactions. HIt deals only with bitcoin.
User-friendly interface. Due to its P2P nature, the risk of getting scammed by other users is considerably high.
Significantly higher prices compared to regular exchanges.


Litebit is a secure broker for buying, selling, and storing cryptocurrencies. The Dutch company which was established in 2012 provides brokering services majorly available to users in EU countries, making it one of the most convenient and reliable platforms for SEPA transfers. All SEPA transactions on Litebit will incur a fee of €0.61.

Easy verification process. Low transaction limit for Tier 1 and Tier 2 users.
User-friendly interface. Offers only brokerage services.


Founded in London, UK in 2013, CEX.IO is a multi-functional cryptocurrency exchange that provides multiple financial services. They offer brokerage services as well as a trading platform for users. Also, provides users with a wide range of essential features to ensure they can conveniently buy, sell, and trade digital currencies in a trusted and secured environment. SEPA transfers on are really convenient even for those who possess little knowledge on how to go about it. Deposits are completely free while withdrawal attracts a €1 transaction fee.

No deposit fees. Ambiguous verification process.
User-friendly interface. High fees on brokerage services.
Deposits above $3000 attract a stipulated amount of bonus.


Based in Luxembourg, Bitstamp is one of the longest standing cryptocurrency exchange platforms in the crypto industry. Bitstamp provides users with 24/7 trading services through high liquidity, reliable order execution, and constant uptime. They also provide a wide range of advanced trading tools to ensure users get the best trading experience. SEPA deposits are free on Bitstamp while withdrawals incur a €3 fee. Generally, SEPA transfers on Bitstamp are quite straightforward and wouldn’t pose any trouble for users with zero experience. Although, the same can’t be said for their trading interface.

No deposit fees. The trading interface could be quite challenging for beginners.
SEPA transfer process is quite straightforward. Limited crypto options.
High liquidity.


Buy Crypto with SEPA on Kraken

Kraken is a US-based cryptocurrency exchange with a proven track record of security and data protection privileges. Established in 2011, Kraken provides unmatched cryptocurrency trading services built on transparency and accountability through a public Proof-of-Reserves audit scheme. Kraken claims to have the highest Euro volume of bitcoin trading on any exchange. SEPA transfers on Kraken are available for users living within the European Economic Area. Deposits are completely free while withdrawals incur a fee of €0.09. 

No deposit fee, little to no withdrawal fee.Ambiguous verification process.
Top-notch security and data protection. Frequent downtime.
Transparency and accountability.

How to Buy Crypto with SEPA

SEPA transfers are considerably cost-effective, convenient, and highly recommended for users living within the EU regions. It is, however, important to note that this payment method takes about 1-3days to complete and is restricted to only Euros or Pounds. Every platform has slight differences in their payment process using SEPA. However, if you intend to buy crypto from any of the platforms mentioned above and you need a step-by-step guideline on how to go about it, kindly visit the links below:

Coinbase SEPA GuidelinesCoinmama SEPA GuidelinesBitpanda SEPA GuidelinesPaxful SEPA GuidelinesLocalBitcoins SEPA Guidelines
CEX.IO SEPA GuidelinesBitstamp SEPA GuidelinesKraken SEPA GuidelinesLitebit SEPA Guidelines

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Daniel Okorafor
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Daniel Okorafor

Passionate about modern disruptive technologies and their impact on diverse aspects of human life. He has a wealth of experience in blockchain content creation and community management. Also he has written topnotch article reviews and whitepapers for several STOs and ICOs.