.webp%3Fprefix%3Dexchanges&w=96&q=75&dpl=41309d70022f12df422a5a9daf2d710557f25516){kind=small}
UpholdBest match
KYC fullTrust8.2
Fee0%
Coins9
Buy crypto with SEPA
SEPA is Europe's bank-transfer network covering 36 countries. It's the cheapest way to buy crypto with euros — deposits are free or under €1, and SEPA Instant arrives in seconds.
Instant–1 dayEurope · near-free
Ranked
Exchanges that accept SEPA
.png%3Fprefix%3Dexchanges&w=96&q=75&dpl=41309d70022f12df422a5a9daf2d710557f25516){kind=small}
eToro
KYC fullTrust8.5
Fee0%
Coins7
Bitstamp
KYC fullTrust8.7
Fee0%
Coins8
Gemini
KYC fullTrust8.9
Fee0%
Coins6
.png%3Fprefix%3Dexchanges&w=96&q=75&dpl=41309d70022f12df422a5a9daf2d710557f25516){kind=small}
Bybit
KYC fullTrust8.6
Fee0%
Coins10
OKX
KYC tieredTrust8.8
Fee0%
Coins9
Crypto.com
KYC fullTrust8.8
Fee0%
Coins10
Binance
KYC tieredTrust9.2
Fee0%
Coins10
Kraken
KYC tieredTrust9.3
Fee0%
Coins9
Coinbase
KYC fullTrust9.4
Fee0%
Coins8
Coinporta may earn a commission when you sign up through links on this site. This never affects our rankings, which are based on independent editorial scoring.
Why use SEPA
- Free or near-free deposits
- SEPA Instant: seconds, 24/7
- Works across 36 European countries
- High limits; same rail for withdrawals
Worth knowing
- Euro only
- First deposit may need manual reference entry
- Standard (non-instant) transfers wait for business days
Coins
What you can buy with SEPA
Step by step
How buying with SEPA works
STEP 01Verify your account on an EU-licensed exchange
MiCA-licensed platforms (Kraken, Coinbase, Bitstamp, Crypto.com and others) all support SEPA.
STEP 02Get the exchange's IBAN and reference
The deposit screen shows the IBAN and a personal reference code.
STEP 03Send euros from your banking app
Choose SEPA Instant if offered — it arrives in seconds and now costs the same as a standard transfer.
STEP 04Buy at the lowest fee tier
Trade with maker/taker fees (0.1–0.5%) instead of card markups.
Good to know
SEPA & crypto: FAQ
SEPA is Europe's euro bank-transfer network. Crypto exchanges use it for deposits and withdrawals — usually free or under €1, with SEPA Instant arriving in under ten seconds.
Buy crypto with SEPA
in minutes.
We'll match you to the cheapest SEPA-friendly exchange for your country.
Find my exchange