Kraken Exchange
- MiCA-authorised by CBI (Ireland)
- Passported to 30 EEA countries
- Authorised 25 June 2025
Crypto.com Exchange
- MiCA-authorised by MFSA (Malta)
- Passported to 30 EEA countries
- Authorised 27 January 2025
OKX Exchange
- MiCA-authorised by MFSA (Malta)
- Passported to 30 EEA countries
- Authorised 27 January 2025
Bit2Me Exchange
- MiCA-authorised by CNMV (Spain)
- Passported to 30 EEA countries
- Authorised 31 October 2025
bitFlyer Europe Exchange
- MiCA-authorised by CSSF (Luxembourg)
- Passported to 30 EEA countries
- Authorised 26 June 2026
Bitpanda Broker app
- MiCA-authorised by FMA (Austria)
- Passported to 30 EEA countries
- Authorised 9 April 2025
Bitvavo Exchange
- MiCA-authorised by AFM (Netherlands)
- Passported to 30 EEA countries
- Authorised 26 June 2025
eToro Broker app
- MiCA-authorised by CySEC (Cyprus)
- Passported to 30 EEA countries
- Authorised 16 January 2025
SwissBorg Broker app
- MiCA-authorised by AMF (France)
- Passported to 30 EEA countries
- Authorised 5 March 2026
Revolut Broker app
- MiCA-authorised by CySEC (Cyprus)
- Passported to 29 EEA countries
- Authorised 20 October 2025
Bitstamp Exchange
- MiCA-authorised by CSSF (Luxembourg)
- Passported to 30 EEA countries
- Authorised 15 May 2025
Blockchain.com Broker app
- MiCA-authorised by MFSA (Malta)
- Passported to 30 EEA countries
- Authorised 22 October 2025
Trade Republic Broker app
- MiCA-authorised by BaFin (Germany)
- Passported to 30 EEA countries
- Authorised 28 April 2025
Coinmotion Broker app
- MiCA-authorised by FIN-FSA (Finland)
- Passported to 2 EEA countries
- Authorised 2 July 2025
Gate EU Exchange
- MiCA-authorised by MFSA (Malta)
- Passported to 30 EEA countries
- Authorised 29 September 2025
Robinhood Broker app
- MiCA-authorised by LSC (Lithuania)
- Passported to 30 EEA countries
- Authorised 29 May 2025
Bybit EU Exchange
- MiCA-authorised by FMA (Austria)
- Passported to 29 EEA countries
- Authorised 28 May 2025
Northcrypto Broker app
- MiCA-authorised by FIN-FSA (Finland)
- Passported to 3 EEA countries
- Authorised 25 November 2025
Coinbase Exchange
- MiCA-authorised by CSSF (Luxembourg)
- Passported to 30 EEA countries
- Authorised 20 June 2025
Backpack EU Exchange
- MiCA-authorised by Latvijas Banka (Latvia)
- Passported to 29 EEA countries
- Authorised 27 May 2026
Crypto-assets are high-risk and you can lose all the money you invest. Exchanges are ranked by the Reliability Score, and partners get no boost. Fees and terms change, so the exchange's own terms apply. Links marked as partner links are affiliate links. Crypto risks explained
Euro methods at crypto exchanges with SEPA
| Exchange | EUR deposit | EUR withdrawal |
|---|---|---|
| Kraken | – | SEPA, €1 |
| Crypto.com | SEPA | Apple Pay | Google Pay | SEPA, €1.00 |
| OKX | SEPA | SEPA, free |
| Bit2Me | Bank transfer | Card | SEPA, free |
| bitFlyer Europe | – | Bank transfer, €0.30 up to €250,000 |
| Bitpanda | – | SEPA, free |
| Bitvavo | – | SEPA, free |
| eToro | – | From the eToro Money EUR account, free |
| SwissBorg | Bank transfer | Card | SEPA, 0.10% (min €1.50) |
| Revolut | – | SEPA from the euro account, free |
| Bitstamp | SEPA | SEPA, €3 |
| Blockchain.com | – | SEPA, €0.50 |
| Trade Republic | – | Bank transfer to the reference account |
| Coinmotion | – | Bank transfer, €0.90 |
| Gate EU | SEPA | – |
| Robinhood | – | SEPA |
| Bybit EU | – | SEPA, fee shown at withdrawal |
| Northcrypto | SEPA | Trustly | SEPA, €1.00 |
| Coinbase | – | – |
| Backpack EU | – | – |
Euro deposit and withdrawal methods as published on each provider's own website. A dash means not yet verified.
SEPA, SEPA Instant and cards compared
| Method | Speed | Typical cost pattern |
|---|---|---|
| SEPA Credit Transfer | Usually one banking day | Often free at the exchange |
| SEPA Instant | Seconds, where both banks support it | Often free or low cost |
| Debit or credit card | Instant | Usually a percentage fee |
| Apple Pay or Google Pay | Instant | Often priced like cards |
General patterns; actual fees are set by each exchange and your bank.
The card purchase calculator shows what card payments add.
Safe SEPA transfers to crypto exchanges
- Use the details shown in your account: the exchange gives you the IBAN and often a reference.
- Pay from an account in your own name: exchanges usually reject third-party payments.
- Include the reference exactly as shown.
- Never pay to an IBAN sent in a message: scammers send fake payment details.
Withdrawing euros from crypto exchanges with SEPA
Selling crypto and withdrawing euros to your bank account is the reverse of buying.
Exchanges usually pay out only to a bank account in your own name, and some charge a withdrawal fee, such as €1.00 per SEPA withdrawal at Northcrypto according to its fee page.
Your bank may ask about the source of large incoming amounts, so keep your exchange records, as the guide to selling crypto explains.
Where your euros are held at crypto exchanges with SEPA
MiCA requires an authorised exchange to place client euros with a credit institution or a central bank by the end of the next business day, in an account separate from its own.
That protects the money from the exchange's own creditors, but euro balances at an exchange are not bank deposits in your own name.
Crypto exchanges with SEPA: payment safety tips
- Copy the IBAN from inside your exchange account, not from an email.
- Add the exact payment reference, or the deposit may be delayed.
- Pay from your own account; third-party payments are usually returned.
- Check the first deposit arrives before sending more.
Scammers send fake "updated payment details", so treat any change of IBAN with suspicion and confirm it inside the app.
Saving the exchange's verified IBAN as a payee in your bank, and comparing it with the app each time, prevents most payment mistakes.
If the IBAN in the app changes, confirm it inside the app before sending.
Keep transfer receipts.
They help with complaints.
Frequently asked questions
What is the cheapest way to buy crypto with euros?
Usually a SEPA bank transfer, which many exchanges accept free of charge, followed by a low-fee order.
How long does a SEPA deposit to a crypto exchange take?
A standard SEPA transfer usually arrives within one banking day; SEPA Instant can arrive in seconds where supported.
Can I pay a crypto exchange from someone else's bank account?
Usually not. Exchanges generally require payments from an account in your own name.
Do crypto exchanges with SEPA charge for withdrawals?
Some do. Check the fee page; for example, Northcrypto lists €1.00 per SEPA withdrawal.
Are my euros safe at a MiCA exchange?
MiCA requires client euros to be held with a bank or central bank in separate accounts, but they are not bank deposits in your name.
Sources
- Northcrypto fees (checked 24 October 2026)
- Regulation (EU) 2023/1114 (MiCA), Article 70(3)
Every figure on this page is checked against the ESMA register, the exchange's own terms and fee pages or another primary source, and the sources are listed above. Editorial policy · How we rate