Buy Bitcoin with SEPA

To buy Bitcoin with SEPA on Coinmama, create an account, complete the identity check, then place an order and pay by SEPA bank transfer. Crypto is delivered to the wallet address you provide. Coinmama does not add its own fee. All fees are shown before you confirm your order.

What is a SEPA transfer?

A SEPA transfer is an electronic payment in euros from one bank account to another within the Single Euro Payments Area (SEPA). The same rules apply whether the money moves inside one country or between two SEPA countries (European Payments Council, as of September 2026).

Buy Bitcoin

Illustration of a hot-air balloon among clouds and Bitcoin coins

How do you buy Bitcoin with a SEPA transfer?

You buy Bitcoin with SEPA in four steps: create an account, verify your identity, place your order and receive your Bitcoin. Payment options depend on your country, so check the supported payment methods first.

1. Create your Coinmama account
Sign up for a Coinmama account. The sign-up guide explains each step.

2. Verify your identity
You’ll be asked to verify your identity before you buy. You’ll be told exactly what is needed. See how to get verified.

3. Place your order and pay by SEPA transfer
Log in to your Coinmama account, choose how much Bitcoin to buy and enter your wallet address. Then choose SEPA bank transfer and follow the payment instructions shown in your order. The guide to placing an order walks you through it.

4. Receive your Bitcoin
Crypto is delivered to the wallet address you provide. Check the address before you confirm. New to wallets? Read what a crypto wallet is.

What does it cost to buy Bitcoin with SEPA?

Coinmama does not add its own fee. All fees are shown before you confirm your order. Your bank may charge its own fee for sending the transfer. See how fees work for the costs a crypto purchase can include.

Under EU rules, your bank must charge you the same for a euro payment to another EU country as for an equivalent payment at home (European Commission, as of September 2026). Under the SEPA Credit Transfer scheme, the transfer arrives for the full amount with no deductions along the way, and only your own bank or payment provider can charge you for sending it (European Payments Council, as of September 2026).

What should you check before you send a SEPA transfer?

Check the payee name and IBAN against the payment details shown in your order before you confirm the transfer. If the instructions include a payment reference, copy it exactly.

Your bank may show a Verification of Payee result first. Since 9 October 2025, banks in the euro area must offer this check free of charge: it compares the payee name with the IBAN and tells you whether they match, closely match or do not match (European Central Bank, as of September 2026). If you see a warning, stop and check the details. The check helps you spot mistakes, but it cannot be relied upon to identify a person (European Payments Council).

Only send money for an order you placed yourself, and never because someone contacted you and asked you to. Read how to protect yourself from fraud.

What is Bitcoin?

Bitcoin is a digital currency that people can send to each other without a bank in the middle. Every transaction is recorded on a public ledger called the blockchain, which makes past records very hard to change. Learn more in What is Bitcoin?, or see the Bitcoin price and payment options.

Why buy Bitcoin through Coinmama?

Coinmama is a cryptocurrency exchange. When you buy crypto on Coinmama:

Coinmama does not add its own fee, and the fees are shown before you confirm.
You’ll be asked to verify your identity before you buy.
Crypto is delivered to the wallet address you provide.

Other coins are listed on the coins page, and you can contact Coinmama support with questions about an order.

Want to know more first? Read Is Coinmama safe? and the step-by-step guide on how to buy Bitcoin. Other bank payments are explained on the pages for buying Bitcoin with a bank account and with a SWIFT transfer.

What else should you know about SEPA purchases?

As of September 2026, SEPA covers the EU member states and several other European countries and territories, such as Norway and Switzerland. The European Payments Council publishes the official list of SEPA countries. Being in SEPA does not by itself mean that you can pay by SEPA on Coinmama: check the supported payment methods and where Coinmama is not available.

Coinmama does not add its own fee. All fees are shown before you confirm your order. Your bank may also charge its own fee for sending the transfer. See how fees work.

Limits and minimums can change, so this page does not list them. See account limits and payment methods for the current figures.

You’ll be asked to verify your identity before you buy. See how to get verified.

It depends on your bank, on when your payment is received and on how busy the Bitcoin network is, so this page does not give a fixed time. See blockchain delays and confirmations for what can slow down delivery.

Usually not. Crypto is delivered to the wallet address you provide. Most crypto transactions cannot be reversed once they are sent, so check the address carefully before you confirm your order.

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