How to Easily Buy Bitcoin with Your European Bank Account

How to Easily Buy Bitcoin with Your European Bank Account

Buying Bitcoin with a bank account is a popular and convenient option for many people. It is a secure way to purchase Bitcoin, and there are many different exchanges, including those supporting SEPA transfers, that facilitate this process. Some exchanges even allow users to buy Bitcoin with a bank account without verification or purchase Bitcoin with SEPA without verification processes.

If your bank account is in Europe and you are looking to buy Bitcoin, there are several services that you can use to directly and automatically purchase it with your bank account. Recurrent buys or DCA’ing helps you to save bitcoin easily, and enables you to have a bitcoin savings account. It’s by far the smartest and most relaxing way to buy bitcoin, as it helps you to stop thinking about how to time the market and just chill while you’re slowly putting bitcoin in your piggy bank.

This article will review some of the best options available to you and explain how they work.

ServiceKYC RequiredWallet Type
BittrNoNon-custodial, Hardware
RelaiNoNon-custodial, Hardware
Pocket BitcoinNoNon-custodial, Hardware
KrakenYesCustodial, Hosted
RevolutYesCustodial, Hosted

Buy Bitcoin with bank transfer with no verification

  • Peach Bitcoin is a non-KYC exchange in Europe that supports multiple payment methods, including SEPA transfers. With Peach, it is possible to buy bitcoin with a bank account without verification.
  • Hodl Hodl is a global peer-to-peer noncustodial non-KYC exchange that allows you to sell and buy Bitcoin without involving a third party. It supports more than 100 payment methods, including SEPA transfers, SWIFT transfers, and credit cards.
  • AgoraDesk is a centralized, peer-to-peer bitcoin marketplace where you can buy Bitcoin using SEPA without ID verification.

Buy Bitcoin with SEPA Bank Account in Europe

Buying Bitcoin with a bank account in Europe is a straightforward process that can be done through several reputable exchanges. Here are a few of the most popular options:


Relai is a popular Bitcoin investing app that you can use to buy bitcoin with SEPA without verification that comes with the option to connect your European bank account and buy Bitcoin directly by making a bank transfer. One unique feature of Relai is that it offers both a noncustodial wallet option of your choice and a noncustodial wallet option that they provide via their app.

With the noncustodial option, you transfer your Euros to their bank account, and the following day, you receive your new sats in your wallet. This means that you have complete control over the private keys to your wallet, and Relai doesn’t have access to them. Recently, Relai has added support to get your bitcoin directly deposited on external wallets, such as hardware wallets, for an even more secure Bitcoin storage solution.

If you choose the noncustodial option, Relai provides you with a wallet software that allows you to hold your Bitcoin. However, you still own your keys, and your key to have access to your Bitcoin is stored on your device, not on Relai’s servers. This means that you are in complete control of your funds. In both cases, there is no KYC involved in the process, so you can buy Bitcoin somewhat anonymously (Relai does know your bank account).

For more information about noncustodial wallets, read also What’s Bitcoin Self-Custody?


Bittr is a popular option for Europeans who want to buy Bitcoin directly using their bank account. One of its notable feature is the ability to buy bitcoin with bank account without verification. You can make a bank transfer to purchase Bitcoin through Bittr, which also offers a self-custodial or noncustodial wallet option. With the self-custodial option, you have complete control over the private keys to your wallet. Bittr does require you to sign your Bitcoin receiving address with their special message, and they keep a record of all your orders for 5 to 7 years in case governments want access to it.

Recently, Bittr has added xpub support, making it possible to get your recurrent buys sent to a new receiving address in your wallet. While their process is well-automated, it may not be the easiest for beginners, although they provide straightforward tools and helpful manuals to assist with the process. Additionally, Bittr now supports the ability to directly use your hardware wallet for added security and convenience.

Bittr offers the sweetest way to stack sats and buy bitcoin! We are your gateway to become financially independent and make your money truly yours again. All you need is a bitcoin wallet, a bittr deposit code and a SEPA transfer!

Pocket Bitcoin

Pocket Bitcoin is a new bitcoin exchange that converts European bank transfers to bitcoin and sends them directly to your wallet. To use Pocket, you can either connect your existing Bitcoin wallet or create a new one with their assistance. Once set up, you can transfer funds to your Pocket account via bank transfer.

Upon arrival, the payment is automatically converted to bitcoin and sent to your bitcoin wallet. You’ll receive an email notification without any further action required. Additionally, you can opt to set up a one-time or recurring payment.


Revolut is a popular banking app in Europe that offers a range of features, including the ability to buy Bitcoin directly on their platform. One of the benefits of using Revolut is the ability to set up recurring buys, making it easy for those who want to invest in Bitcoin regularly. However, it’s important to note that Revolut does not currently support Lightning transactions, which may be a drawback for some users.

One of the key advantages of using Revolut is the ability to withdraw your Bitcoin to an external wallet of your own. Since 2022, it is possible to withdraw bitcoins to your own wallet or use any bitcoin address to make payments via bitcoin. This means that you can maintain full control over your private keys and ensure the security of your Bitcoin when you withdraw it from Revolut after your purchase. It’s essential to note that even if Revolut were to go bankrupt, your euros are insured up to 100,000, but your Bitcoin is not. As such, sending your Bitcoin to a personal, self-hosted (noncustodial) wallet is always preferred.

Overall, Revolut is a convenient option for those looking to buy Bitcoin, especially for those who are already using the app for banking. However, it’s important to consider the limitations of the platform, such as the lack of Lightning support and the need to go through a full KYC procedure. If you prioritize full control over your Bitcoin, other options such as Relai, Pocket Bitcoin or Bittr may be more suitable for your needs.

To use Revolut, you will need to open a bank account with them. This requires a full KYC procedure, which involves providing personal information and documentation to verify your identity. Once your account is verified, you can start using Revolut to buy and sell Bitcoin.


Kraken is one of the most popular Bitcoin exchanges based in the USA that provides its services to European customers through its mobile app and website. The Kraken platform offers a seamless way to connect your bank account and set up recurring Bitcoin purchases using their mobile app or API. Kraken also supports Lightning transactions, which allows for faster and cheaper Bitcoin transactions. Moreover, Kraken provides a secure and reliable service for Bitcoin investors who prefer to withdraw their coins to their personal wallet for added security.

To access Kraken’s services, you must complete a full KYC procedure. This includes providing a government-issued ID, proof of address, and possibly additional verification depending on your location and the size of your transactions. However, once you are verified, Kraken offers a high level of security and liquidity for your Bitcoin trades. To set up your recurrent buys, you have to make automatic outgoing transfers to Kraken using the details they provided to you, as well as setting up recurrent buys from within the kraken app.


StackinSat is another popular option for Europeans looking to buy Bitcoin directly with their bank account. With StackinSats, you can buy Bitcoin directly from within the app and have it deposited into your Bitcoin wallet or a custodial wallet if you prefer. StackinSats also supports Lightning transactions, allowing for faster and cheaper Bitcoin transactions.

StackinSat comes with a KYC procedure. You need to provide your full name, date of birth, and telephone number, followed by a required email validation. You must complete the KYC procedure to use all the platform features, set up a SEPA bank transfer, or link a credit card to purchase bitcoin.

Buying Bitcoin with SEPA Transfer in Europe

If you’re based in Europe and looking to buy Bitcoin with your bank SEPA transfer, there are several options available to you. Each service has its own unique features and fees, so it’s important to do your research and choose the option that best suits your needs. Whether you prefer a self-custodial wallet or a hosted wallet, Lightning transactions or traditional Bitcoin transactions, there is an option out there for you. For privacy conscious individuals, the good news is that, some non KYC exchanges enable you to buy Bitcoin in Europe with SEPA without verification.

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