For our crypto community in Europe, buying crypto with SEPA brings a whole new level of convenience to the crypto buying process. BitPay offers SEPA as one of the many payment methods when you buy Bitcoin and other cryptocurrencies in the BitPay app or website. This guide will show you how easy it is to buy Bitcoin with SEPA.

How to buy crypto with SEPA in Europe

BitPay users in Europe have two easy ways to buy Bitcoin and other cryptocurrencies with SEPA, via the BitPay Wallet app or on the BitPay website. Each is a convenient method of paying for crypto straight from your European bank account and managing your assets with a self-custody wallet.

Buying crypto with SEPA in the BitPay Wallet app

Step 1: Get the app
Download the BitPay app from your preferred app store, or scan the QR code below. Already have the BitPay app? Skip this part.

Step 2: Tap “Buy Crypto”
Tap the "Buy" button on the app’s home screen to buy crypto from your bank account. In addition to Bitcoin (BTC), BitPay supports more than 60 of the most popular cryptocurrencies and stablecoins including Ethereum (ETH), Dogecoin (DOGE), Litecoin (LTC) and many more.

Step 3: Choose your amount and the cryptocurrency you wish to purchase
Enter the amount you’d like to convert to crypto, and the coin you want to convert.


Step 4: Choose 'Other' as your payment method
Along with SEPA transactions, you can also buy crypto with a credit card, Apple Pay, Google Pay, or alternative local banking methods (where applicable).

Step 5: Review and chose your offers
BitPay partners with multiple crypto marketplaces to ensure you’ll always get the best possible rates, with no hidden fees or excessive markups. Choose the best offer available for you, and you’ll be automatically taken to one of our partner sites to enter your banking details and complete the transaction.

Buy crypto with your SEPA online at BitPay.com


Step 1: Choose your crypto
Visit BitPay's buy crypto page. Select from the top cryptocurrencies including Bitcoin, Ether, Litecoin, Bitcoin Cash, USDC, Polygon and tons more. Enter the amount of crypto you’d like to buy.

Step 2: Send to any wallet
Enter the address where you’d like to receive your crypto. You can send your crypto to nearly any self-custody wallet as long as you know your wallet address. If you don't already have a self-custody wallet, or would like to store your crypto in a new wallet, you may create a free BitPay Wallet.

Step 3: Pay with bank account and receive your crypto
BitPay aggregates offers from multiple partners to ensure you get the best possible rate. Look for the “Best Offer” flag. Once you’ve chosen your preferred offer, you’ll be taken to one of our partner sites to enter your banking details and complete the transaction. Your crypto will be sent to your wallet address and available to use near-instantly.

Buy Bitcoin with SEPA instantly

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Benefits of buying crypto with SEPA via BitPay

Why buy crypto with SEPA?

Instant SEPA transactions

Securely and conveniently convert fiat from your bank account to crypto

Low fees

Bank transfer fees typically lower than credit cards

High limits

Buy up to €30,000 daily

Higher authorization rates

SEPA payments typically see higher authorization rates compared to traditional payment methods

175+ coins across 20 chains

Buy a diverse array of coins and tokens to build your portfolio

Secure, self-custody experience

You still own 100% of the crypto you buy; no third party custody

Which cryptocurrencies can I buy with SEPA via BitPay?

Through the BitPay app or website, you can buy more than 60 top cryptocurrencies and stablecoins using your bank account to pay.

And many, many more. Use the BitPay widget to see all of the cryptocurrencies available for purchase.


More about SEPA payments

The Single Euro Payments Area (SEPA), a European initiative that harmonizes electronic payments across the Eurozone, is a preferred method for buying Bitcoin and other cryptocurrencies in Europe. Capitalizing on its standardized payment processing, security, and extensive coverage across European countries, many individuals opt for SEPA transfers to efficiently fund their accounts on cryptocurrency exchanges and purchase digital assets.




What to do with your crypto after buying with a bank account transfer

Once you’ve obtained your Bitcoin or other cryptocurrency, you’re free to hold, swap or spend as you see fit. The BitPay app gives you total control over all of your assets, making it easy to:

Hold and store securely

Keep your crypto assets safe and secure in an easy-to-use, self-custody crypto wallet. You can even import additional wallets and manage them all from one place.


Swap coins

Easily exchange one digital asset for another in the BitPay app. Swap Bitcoin for Ethereum, Dogecoin, Bitcoin Cash and many other top cryptocurrencies.


Spend your crypto

You can also spend your crypto right from the app, either by connecting your wallet to a merchant that accepts crypto payments or buying gift cards with crypto from some of your favorite brands. Check out our Merchant Directory for a searchable list of businesses that accept crypto payments through BitPay.