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How to deposit and buy crypto in the EU (SEPA)

The short answer

In the EU (SEPA), Bitget, OKX, Binance, Bybit, MEXC, Kraken, Coinbase publish an official way to fund an account: SEPA / SEPA Instant, SEPA, Easy Bank Transfer, BLIK, iDEAL, SEPA Instant, Card, P2P EUR. OKX takes SEPA / SEPA Instant deposits (Free · 0–2 business days) and pays withdrawals back to your bank (Free · 0–2 business days). P2P in EUR is listed on Bitget. Card purchases are documented on MEXC, Coinbase. Checked against official help pages on 2026-10-15.

Sign up on OKX

Step by step

  1. Open an account on OKX and complete identity verification (KYC).

  2. Deposit EUR by SEPA / SEPA Instant from a bank account in your own name.

  3. Buy BTC, ETH or any other coin on the spot market.

  4. To cash out, sell to EUR and withdraw by SEPA to your bank.

Methods by exchange

ExchangeCardBank depositBank withdrawalP2P
Bitget
  • SEPA / SEPA Instant2,3,4Free · 1–3 business days
  • SEPA / SEPA Instant2,3,51 EUR · 1–2 business days
  • P2P EUR6
OKXSign up on OKX
  • SEPA / SEPA Instant17Free · 0–2 business days
  • SEPA18Free · 0–2 business days
Binance
  • SEPA / SEPA Instant1about 1 EUR · 0–3 business days
  • SEPA / SEPA Instant1about 1 EUR
BybitSign up on Bybit
  • SEPA7
  • SEPA8
MEXCSign up on MEXC
  • Visa / Mastercard16about 2%
  • SEPA / SEPA Instant140–2 business days
  • SEPA150–2 business days
KrakenSign up on Kraken
  • SEPA / SEPA Instant11,12Free · 0–3 business days
  • SEPA Instant13,121 EUR · Instant
Coinbase
  • Card9Instant
  • Apple Pay9Instant
  • Google Pay9Instant
  • SEPA9,10Free · 1–3 business days
  • Easy Bank Transfer9,101–3 business days
  • BLIK9Instant
  • iDEAL91–3 business days
  • SEPA9,10Free · 1–3 business days

Crypto cards for the EU (SEPA)

  • OKX CardMastercard
  • Bybit Card (EU)Mastercard · 1% cashback
  • Kraken CardMastercard · 0–2% cashback
  • Coinbase CardVisa

Compare crypto cards

FAQ

Which exchange is best for deposits and withdrawals in the EU (SEPA)?

OKX is the first choice in the EU (SEPA): SEPA / SEPA Instant, SEPA.

Can I withdraw back to my bank in the EU (SEPA)?

Yes. Bitget, OKX, Binance, Bybit, MEXC, Kraken, Coinbase publish bank withdrawals in EUR.

Sources

  1. Frequently Asked Questions on EUR Bank Transfer via SEPAbinance.com · updated 2020-06-10 · checked 2026-10-15
  2. Which Countries or Regions Support Bank Deposits on Bitget?bitget.com · updated 2025-02-20 · checked 2026-10-15
  3. Bank Deposit and Withdrawal: Limits, Fees, and Processing Timesbitget.com · updated 2024-08-29 · checked 2026-10-15
  4. How to Perform Bank Deposit (EUR) on Bitget? - Website Guidebitget.com · updated 2024-05-03 · checked 2026-10-15
  5. How to Perform Bank Withdrawal (EUR) on Bitget? - Website Guidebitget.com · updated 2024-05-04 · checked 2026-10-15
  6. What Currencies Are Supported on Bitget P2P?bitget.com · updated 2025-10-30 · checked 2026-10-15
  7. How to Deposit Fiat Currencies on Bybitbybit.com · checked 2026-10-15
  8. How to Withdraw Fiat Currencies on Bybitbybit.com · checked 2026-10-15
  9. Add and verify a payment method - EMEAhelp.coinbase.com · checked 2026-10-15
  10. Funding your account - EMEAhelp.coinbase.com · checked 2026-10-15
  11. Cash deposit optionssupport.kraken.com · checked 2026-10-15
  12. Banking Circle Funding Providersupport.kraken.com · checked 2026-10-15
  13. Cash withdrawal optionssupport.kraken.com · checked 2026-10-15
  14. Fiat Deposit via Bank Transfer - SEPAmexc.com · updated 2026-09-15 · checked 2026-10-15
  15. Fiat Withdraw via Bank Transfer - SEPAmexc.com · updated 2026-05-19 · checked 2026-10-15
  16. How to Buy Crypto with Credit/Debit Card: MEXC Step-by-Step Guidemexc.com · updated 2026-09-21 · checked 2026-10-15
  17. How do I deposit EUR with SEPA bank transfer?okx.com · updated 2023-11-16 · checked 2026-10-15
  18. How do I withdraw EUR with SEPA bank transfer?okx.com · updated 2023-11-16 · checked 2026-10-15