Buy Bitcoin with SEPA Transfer

Using SEPA can help you buy bitcoin quickly and in larger quantities than other methods. The list below contains a number of bitcoin exchanges and brokers worldwide that allow you to buy bitcoin with SEPA transfers.

All links are external & open in a new tab, except for "Read Review" buttons. Before jumping into this page, an important disclosure.

CoinbaseCoinbase Buy Bitcoin Read Review

Coinbase is the world's largest Bitcoin broker. They represent an easy and fast way for new users to purchase bitcoins. Coinbase supports customers in over 30 countries, including the United States, Europe (besides Germany), UK, Singapore, Canada, and Australia.

Customers in the above-mentioned countries can purchase bitcoins by credit card, debit card, bank transfer, SEPA transfer, and more.

Get $10 or €10 worth of free bitcoin when you buy more than $100 or €100 worth through this link.

Pros
  • High liquidity and buying limits
  • Easy way for newcomers to get bitcoins
  • "Instant Buy" option available with credit card or debit card
Cons
Ease of Use
Easy
Privacy
Low
Speed
Average
Fees
Average
Reputation
Trusted
Limits
High
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BitPandaBitPanda Buy Bitcoin Read Review

BitPanda is a Bitcoin broker based in Austria.

They have high payment limits and low fees across their wide range of payment methods.

BitPanda offers customers the option to buy bitcoins with credit card, debit card, SOFORT, Skrill, NETELLER, giropay, eps, SEPA, and Online Bank Transfer.

Our guide will show you how to buy bitcoins with a credit card on BitPanda.

Pros
  • Some of the lowest fees for buying bitcoins with credit/debit card
  • Reliable and trusted broker
Cons
  • Fees aren't shown openly on the site but instead included in the buying price
Ease of Use
Easy
Privacy
Low
Speed
Fast
Fees
Low
Reputation
Trusted
Limits
High
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GDAXGDAX Buy Bitcoin Read Review

Coinbase's exchange, GDAX, is one of the largest Bitcoin exchanges in the United States. Users can fund their accounts via bank transfer, SEPA, or bank wire. GDAX offers good prices and low fees, but their confusing user interface may initially prove difficult to navigate.

Pros
  • Some of the lowest fees available for US and EU customers
  • Possible to buy bitcoins for 0% fees
Cons
  • User interface is confusing for first time buyers
  • Sending bitcoins directly from GDAX to any legally-questionable site may result in closure of your account
Ease of Use
Hard
Privacy
Low
Speed
Average
Fees
Low
Reputation
Trusted
Limits
High
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CEX.ioCEX.io Buy Bitcoin Read Review

CEX.io lets you buy bitcoin with a credit card, ACH bank transfer, SEPA transfer, cash, or AstroPay. Purchases made with a credit card give you access to your bitcoin immediately. CEX.io works in the United States, Europe, and certain countries in South America.

Pros
  • Support for many countries and regions
  • Low 0.2% trading fee
  • Established and trusted exchange
Cons
  • Verification process is extensive, requiring much personal information (including a photo) and incurring a long delay
  • GBP market lacks liquidity
Ease of Use
Average
Privacy
Low
Speed
Average
Fees
Average
Reputation
Trusted
Limits
Average
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LocalBitcoinsLocalBitcoins Buy Bitcoin Read Review

LocalBitcoins is an escrow service which also helps to match bitcoin buyers and sellers. The most common method of payment for purchase is cash deposit. However, users may advertise trades for whichever payment method they prefer.

Buying bitcoins via an in-person meeting, secured and facilitated by LocalBitcoins, may be one of the fastest and most private ways to buy bitcoins in any country.

Pros
  • Can be private, fast and easy
  • In-person trades require no personal information
  • Purchases of bitcoin can be made quickly via cash deposit
Cons
  • Beware of scams; always follow the rules!
  • Harder to buy large amounts of bitcoins compared to large exchanges
  • Slightly to significantly higher prices than regular exchanges; premium for higher privacy
Ease of Use
Hard
Privacy
High
Speed
Fast
Fees
Low
Reputation
Trusted
Limits
Average
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Bitcoin.deBitcoin.de Buy Bitcoin

Bitcoin.de is a major European peer-to-peer Bitcoin exchange. Users can buy bitcoin online from other Bitcoin.de users through SEPA bank transfers.

Pros
  • One of the oldest and largest exchanges in Europe
  • Claims to have high security and regular audits
Cons
  • Limited to SEPA as a payment method
Ease of Use
Hard
Privacy
Average
Speed
Average
Fees
High
Reputation
Trusted
Limits
Average
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CoinfloorCoinfloor Buy Bitcoin

Coinfloor is based in the United Kingdom. They operate as both a Bitcoin exchange (Coinfloor Exchange) and broker referral service (Coinfloor Market). Coinfloor's Exchange service accepts deposits in GBP, EUR, PLN and USD.

Customers can deposit to the Market via UK bank transfers and to the exchange via bank transfer, SEPA, or SWIFT.

Pros
  • Trustworthy and regulated exchange
  • Offers a sophisticated bitcoin storage service, Coinfloor Vaults
Cons
  • Coinfloor Exchange has a high minimum deposit amount; must deposit at least 1,000 units of currency
  • Coinfloor Market only accepts GBP bank transfers
Ease of Use
Hard
Privacy
Low
Speed
Average
Fees
High
Reputation
Trusted
Limits
Average
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CoinfinityCoinfinity Buy Bitcoin

Coinfinity is a Bitcoin exchange based in Austria. Customers can buy bitcoin via SOFORT. Coinfinity also operates Bitcoin ATMs in Vienna and Graz and owns the above-mentioned bitcoinbon voucher service.

Pros
  • Trusted and established exchange
Cons
  • Limited payment methods available
  • ID verification is required for their exchange, so not private
Ease of Use
Average
Privacy
Low
Speed
Fast
Fees
Low
Reputation
Trusted
Limits
High
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PaymiumPaymium Buy Bitcoin

Paymium was the first European Bitcoin exchange, founded in 2011. It provides a EUR/BTC exchange service, and complies with all relevent European Regulations. Customers can purchase bitcoins via SEPA, wire transfer, or credit card.

Pros
  • Established and trusted exchange
  • Mobile app available
Cons
  • ID verification required for amounts over €2,500, so not private
Ease of Use
Easy
Privacy
Low
Speed
Fast
Fees
Low
Reputation
Trusted
Limits
High
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BityBity Buy Bitcoin

Bity is a Bitcoin exchange and ATM operator, based in Switzerland. Their 5 ATMs allow for a quick first purchase and only require phone verification for an initial buy limit of 1,000 EUR or CHF. Their online service accepts wire transfers, SOFORT and online bank transfers.

Pros
  • Easy to start buying bitcoins after mobile phone verification
  • Payment limit of up to €100,000 annually after intensive verification
Cons
  • ID verification is required for most purchases, so not a private way to buy
  • Low annual limit of only €4,000 without intensive verification
Ease of Use
Average
Privacy
Low
Speed
Fast
Fees
Low
Reputation
Trusted
Limits
High
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LakeBTCLakeBTC Buy Bitcoin

LakeBTC is the fourth largest Bitcoin exchange in China. They operate internationally, in around 40 different countries. LakeBTC is one of the top 15 global exchanges based average daily trading volume. Customers can deposit via cash, bank wire, Western Union, MoneyGram, OKPay, Perfect Money, PayPal, Payza, Skrill, Neteller, Leupay, CHATS or LakePay, although not all methods are available in all countries.

Pros
  • Global exchange that offers many payment methods
  • Vast array of BTC-fiat currency trading pairs
Cons
  • Interface may be hard to use for first-time buyers
Ease of Use
Hard
Privacy
Low
Speed
Average
Fees
Low
Reputation
Average
Limits
Average
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GatecoinGatecoin Buy Bitcoin

Gatecoin is a regulated Bitcoin and altcoin exchange based in Hong Kong. They accept bank transfers from around 40 different countries. Users can buy bitcoin using HKD, EUR, USD and CNY.

Pros
  • High liquidity
  • Several BTC-fiat currency trading pairs
  • Multi-sig security feautures
Cons
  • Was hacked in May of 2016; users should not store funds on the exchange if it can be avoided
Ease of Use
Average
Privacy
Low
Speed
Varies
Fees
Varies
Reputation
Low Trust
Limits
Average
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SafelloSafello Buy Bitcoin

Safello is a Bitcoin exchange based in Sweden and fully-registered as a financial institution. It offers a wide range of payment methods - Swish, SEPA, SWIFT, Faster Payments, Bankgiro and iDEAL - to European residents.

Pros
  • Available from 32 countries
  • Offers a wide variety of payment methods
  • Deep liquidity ensures prices near the fair market rate
  • Support staff available every day from 8 AM to 10 PM
Cons
  • Not a private way to buy since ID verification is required
  • Support staff available during weekdays only, from 9 AM to 5 PM (UTC)
  • Only Swish payments will confirm over weekends
  • Fees aren't clearly stated but included in your buying price
Ease of Use
Average
Privacy
Low
Speed
Fast
Fees
Low
Reputation
Trusted
Limits
High
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BitstampBitstamp Buy Bitcoin

BitStamp is one of the world's largest and most well-known Bitcoin exchanges. Deposits can be made through bank transfer, SEPA transfer, international bank wire, and now even credit cards.

Pros
  • One of the longest-running Bitcoin exchanges
  • Very low 0.25% fee, falling to 0.1% with sufficient trading volume
  • Good range of deposit and withdrawal options
  • Deep liquidity promotes a price close to fair market rate
  • Offers wide range of altcoins
Cons
  • Has been hacked before, users should not store funds on the exchange for any period of time
  • High 8% fee on small credit card purchases, falling to 5% with sufficient trading volume
  • Geared towards traders; slightly confusing for first time buyers
Ease of Use
Hard
Privacy
Low
Speed
Slow
Fees
Average
Reputation
Trusted
Limits
High
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KrakenKraken Buy Bitcoin

Founded mid-2013, Kraken is the world's largest Euro-denominated Bitcoin exchange, based on daily average trading volume. It supports deposits from US, European, Canadian, British, and Japanese customers. Deposits can be made via bank wire, SEPA, SWIFT, and bank deposit (Japan only).

Pros
  • Well-financed and trusted exchange
  • Very low 0.25% taker fee, falling to 0.1% with sufficient trading volume
  • Very low maker fee, falling to 0% with sufficient trading volume
  • Deep liquidity for large volume buyers in European markets ensures a price close to fair market rate
  • Highly-rated for security
  • Publishes proof of reserve audits
Cons
  • User-interface makes it difficult for first time buyers
  • Requires ID verification, so not private
Ease of Use
Hard
Privacy
Low
Speed
Average
Fees
Low
Reputation
Trusted
Limits
High
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CoinCornerCoinCorner Buy Bitcoin

CoinCorner is a Bitcoin exchange based on the Isle of Man. They cater to users in the UK, Europe, Canada, Australia, and certain African, Asian, and South American countries. CoinCorner users may purchase bitcoins with SEPA, credit/debit card, GBP bank transfer, and now Netellertoo.

Pros
  • Trusted and regulated company in the UK
  • Wide range of payment options
  • Good customer support
  • Instant credit card purchases
  • Supports a very wide range of countries
  • Video tutorials covering the basics of Bitcoin and buying and sellingMulti-sig security features
Cons
  • Slightly high 5% fee for buying with a credit card
  • 1% trading fee slightly high by European standards
  • Offers a mobile wallet but this is not ideal for bitcoin storage
  • Requires ID verification, so not private
  • Geared towards traders; slightly confusing for first time buyers
  • Does not provide exchange prices for comparison without sign-up
Ease of Use
Easy
Privacy
Low
Speed
Average
Fees
Average
Reputation
Trusted
Limits
Average
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CubitsCubits Buy Bitcoin

Cubits is a Bitcoin exchange based in the United Kingdom. It allows users in almost every country besides the United States to purchase bitcoins, using a wide range of currencies and payment methods. The payment options include SEPA, SWIFT, credit cards, OKPAY, SOFORT, Skrill, Dotpay, and online bank transfer.

Pros
  • Fair 0.9% trading fee
  • Wide range of payment methods offered
  • Support for 20 fiat currencies
  • Super clean design makes the buying process easy
Cons
  • Offers a wallet that should not be used to store bitcoins
  • Requires ID verification, so not private
Ease of Use
Easy
Privacy
Low
Speed
Fast
Fees
Low
Reputation
Trusted
Limits
Low
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itBititBit Buy Bitcoin Read Review

itBit is a global Bitcoin exchange, licensed with the New York State Department of Financial Services. It also operates a global OTC trading desk, making it easy for customers to buy large amounts (100 BTC and up) of bitcoin. It supports all US states besides Texas.

Pros
  • OTC trading desk is one of the best ways to buy large amounts of bitcoins
  • Deep liquidity promotes a price close to fair market rate
  • Extremely low fees; 0% for market makers and 0.2% for market takers
  • Fee on OTC brokering service is only 0.1%
Cons
  • Limited payment options
  • Geared towards traders; exchange interface may be confusing for first time buyers
  • Requires ID verification, so not private
Ease of Use
Hard
Privacy
Low
Speed
Average
Fees
Low
Reputation
Trusted
Limits
High
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Anycoin DirectAnycoin Direct Buy Bitcoin

Anycoin Direct is a Bitcoin broker based in the Netherlands which services clients across Europe. Customers can purchase bitcoin with SEPA, SOFORT, Giropay, iDEAL, Mybank, Bancontact, and TrustPay.

Pros
  • High limits can be achieved with time
  • Very wide range of payment methods
  • Support for numerous altcoins
Cons
  • Fees not directly published on website
  • Requires intensive ID verification, including video chat, so not private
Ease of Use
Easy
Privacy
Low
Speed
Average
Fees
Average
Reputation
Trusted
Limits
High
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HappyCoinsHappyCoins Buy Bitcoin

HappyCoins is a Bitcoin exchange based in the Netherlands which services customers across Europe. HappyCoins accepts a wide range of payment methods, including many instant payment methods; iDEAL, Bancontact, GiroPay, myBank, Sofort and Interac. It also offers SEPA deposits for all EU residents, which take 1 to 3 days to clear.

Pros
  • Long-running and trusted exchange
  • Wide range of payment options offered
  • Occasional "HappyHour" 0% fee periods
  • Quite private; only email and bank account number and name required
Cons
  • Fees are not displayed publically; only included in price at checkout
Ease of Use
Easy
Privacy
Low
Speed
Average
Fees
Average
Reputation
Trusted
Limits
Average
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ANXPROANXPRO Buy Bitcoin

ANXPRO is a Bitcoin exchange based in Hong Kong. It lets you buy bitcoins with bank transfer.

Pros
  • One of the oldest running Bitcoin exchanges
  • Low 06% fee for market takers and 0.3% fee for market makers
Cons
  • Limited payment options
  • Extra fees may be charged when sending a wire to the exchange
  • Requires ID verification, so not private
Ease of Use
Average
Privacy
Low
Speed
Average
Fees
Low
Reputation
Trusted
Limits
High
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