How to Purchase Cryptocurrency Using SEPA Transfers

08/11/2025

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Across the Eurozone, interest in bitcoin and broader cryptocurrency is expanding continuously. Investors are seeking reliable, low-cost ways to purchase Bitcoin (BTC), Ethereum (ETH), and dozens of other digital assets for a number of purposes. Thanks to the Single Euro Payments Area (SEPA), buying crypto has never been more accessible for people living in Europe. SEPA enables fast, safe, and inexpensive euro-denominated bank transfers across 36 participating countries — making it an ideal funding method for Eurozone users on MyBTCX.com.

At MyBTCX.com, users can easily deposit euros via SEPA and immediately access a wide range of cryptocurrencies, including Bitcoin, Ethereum, Tether (USDT), Solana (SOL), Cardano (ADA), XRP, Dogecoin (DOGE), and tonnes more.

What Is SEPA?

The Single Euro Payments Area (SEPA) is a European Union initiative that harmonised electronic euro payments across borders. It allows anyone within participating countries to send and receive euro transfers as easily as they would domestically, eliminating the old barriers of cross-border payments.

Introduced for credit transfers in 2008 and expanded to direct debits in 2009, the same year of Bitcoin’s launch. SEPA has made sending euros across Europe fast, safe, and affordable. Today, SEPA covers all 27 EU member states, along with non-EU countries like Iceland, Norway, Switzerland, and the United Kingdom. Transfers between SEPA countries are processed using standardised rules and formats, leading to faster settlements and lower transaction costs.

SEPA Participation Across Europe

SEPA currently includes 36 countries, creating a unified payment network across much of Europe. In Eurozone nations like Germany, France, Spain, Italy, Ireland, and the Netherlands, SEPA transfers are seamlessly integrated into the national banking systems. Even non-euro countries such as Poland, Sweden, and Switzerland participate in SEPA for euro-denominated payments.

Thanks to this broad reach, customers across the region can deposit euros into their MyBTCX.com accounts quickly and affordably — without the high fees or long delays often tied to traditional international bank transfers.

Why Use SEPA Transfers to Buy Cryptocurrency?

SEPA transfers offer a range of advantages for crypto buyers. First and foremost, they are extremely affordable. Most European banks offer SEPA transfers either free of charge or with very low fees, allowing users to send larger amounts without losing value to costly transaction charges.

Speed is another major benefit. Standard SEPA Credit Transfers typically settle within one business day, and many banks now support SEPA Instant, where transfers complete in under 10 seconds — even at night, on weekends, or public holidays.

Security and transparency are built into the system. SEPA transfers use the established European banking network, ensuring that your funds are protected at every step. There is no need for third-party payment processors or intermediaries when you use SEPA to fund your MyBTCX.com account.

Buying Crypto with SEPA Transfers on MyBTCX.com

1. Getting started with SEPA transfers on MyBTCX.com is really simple. After signing up and completing identity verification, users can select the EUR deposit option from their account dashboard. Enter the amount of crypto you want to buy, the crypto type, valid destination wallet address and select the SEPA bank transfer option. Then click the red “Buy” button as shown:

2. Next, you simply need to initiate a euro transfer from your online banking app, entering the IBAN and BIC/SWIFT codes exactly as shown. MyBTCX.com will provide all the necessary payment details on the screen shown below in the example. Once you’ve made your transfer using SEPA, tap the blue “I have made the transfer” button:

3. Deposits usually arrive the same day, though times may vary slightly depending on your bank and if they support SEPA Instant. Once the funds are credited to your MyBTCX.com account, your payment details will be verified and your order for BTC, ETH, SOL, XRP, BNB, Dogecoin, or any of our dozens of coins/tokens that we offer, will be fulfilled and you’ll be notified along the way as your transfer progresses. Hip-hip Hooray!

Why Choose MyBTCX.com for SEPA Transfers?

MyBTCX.com is designed for global crypto customers, but we are especially well-positioned to support users across Europe thanks to our SEPA integration. Our platform offers access to dozens of cryptocurrencies beyond just Bitcoin and Ether, including trending assets like Cardano (ADA), Solana (SOL), and stablecoins like USD Coin (USDC) and Tether (USDT). Security is a top priority and strict compliance protocols to keep your funds and data safe, which is just another reason Eurozone traders can navigate our platform with confidence.

You can compare our platform’s approach to others, but MyBTCX.com stands out by offering instant access, ease of use, competitive pricing, industry leading customer service and a broader crypto catalog that suits the crypto-buying European community’s needs.

Frequently Asked Questions About SEPA and Crypto

Is SEPA Instant available for crypto deposits?

Some banks offer SEPA Instant, which can make your euro deposit appear at MyBTCX.com within seconds so you can buy crypto in Europe. Check with your bank to confirm if they support this faster service.

Are there any deposit limits?

MyBTCX.com has a €20 minimum funding amount and €14,000 maximum. With SEPA deposits, your bank may set daily or transaction-based limits for outgoing transfers. Always verify limits directly with your bank if you plan larger transactions.

Is there any cost to deposit via SEPA?

MyBTCX.com does not charge gateway fees for SEPA transfers. Some banks may charge a nominal service fee, but in most cases, it’s free or extremely low.

Got a question and need help?

Connect with our knowledgeable staff by opening a ticket here and we’ll help guide you to complete your transaction with MyBTCX.com. Your success is our business.

Start Your Crypto Trading with SEPA Transfers Today

If you’re based in Europe and want a fast, reliable way to buy crypto, SEPA transfers are the perfect solution. With MyBTCX.com, you can fund your account quickly and securely. If you are looking to invest in Bitcoin or Ether, diversify into alt-coins like Solana and Cardano, or hold stablecoins like USDT or USDC, our platform makes the entire process super-easy.

Join the thousands of Europeans embracing crypto today. Set up your MyBTCX.com account, deposit euros via SEPA, and start building your digital asset portfolio with confidence.

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