Key Takeaways Buy crypto with SEPA transfers for faster processing times (2 hours with SEPA Instant) and lower fees than traditional payment methods. SEPA crypto purchases are available in 30Key Takeaways Buy crypto with SEPA transfers for faster processing times (2 hours with SEPA Instant) and lower fees than traditional payment methods. SEPA crypto purchases are available in 30
Buy Crypto with Bank Transfer: Complete SEPA Payment Guide for Europe
Key Takeaways
- Buy crypto with SEPA transfers for faster processing times (2 hours with SEPA Instant) and lower fees than traditional payment methods.
- SEPA crypto purchases are available in 30 European countries with daily limits up to €21,000 and single transactions up to €20,000.
- Advanced KYC verification is required and takes approximately 48 hours, unlocking full trading features and 200 BTC withdrawal limits.
- Reference codes are mandatory for all SEPA bank transfers to ensure automatic payment matching and avoid processing delays.
- Buy crypto with SEPA instant transfers work 24/7 including weekends, while standard SEPA transfers process only during banking hours.
Skip the expensive credit card fees and discover how European crypto buyers save money with SEPA bank transfers. This step-by-step guide shows you exactly how to buy Bitcoin, Ethereum, and other cryptocurrencies through MEXC using your regular bank account. Get processing times as fast as two hours and with minimal bank transfer fees (varies by bank) - all while avoiding those higher credit card processing fees.
Understanding SEPA for Crypto Purchases
Think of SEPA as Europe's secret weapon for buying crypto affordably. The Single Euro Payments Area connects 30 European countries through one unified payment system, making it dead simple to send euros anywhere in Europe - including to crypto exchanges like MEXC.
Here's what makes SEPA transfers brilliant for crypto purchases: you're using the exact same banking infrastructure you trust for everyday transactions, but now you can access global crypto markets. Check with your bank for current SEPA transfer fees for SEPA transfers, while SEPA transfers often have lower fees than credit cards plus currency conversion charges.
When you buy crypto through MEXC Estonia OÜ via SEPA, you're essentially treating crypto purchases like any other European bank transfer. No fancy payment processors, no currency conversions - just straightforward euro-to-crypto transactions.
Here you will find a detailed step-by-step guide on depositing EUR via SEPA Transfers to MEXC Estonia OÜ. Before you begin your fiat deposit, please complete your Advanced KYC.
How to Buy Crypto with SEPA: Prerequisites and KYC Requirements
Before jumping into your first SEPA crypto purchase, you'll need to tick a few boxes. Unlike some platforms that let you buy crypto with bank transfer no KYC, MEXC requires proper verification - and honestly, that's a good thing for security.
Advanced KYC verification takes approximately 24 hours and involves uploading government ID plus facial recognition. Sounds tedious? Here's why it's worth it: this one-time hassle unlocks daily withdrawal limits up to 200 BTC equivalent and full access to MEXC's trading features.
One crucial detail many people miss - your bank account name must match your KYC verification exactly. MEXC's system automatically rejects transfers from mismatched accounts, so double-check this before starting.
Step 1: Select Bank Transfer for Crypto Purchase
Select [Global Bank Transfer] from the [Buy Crypto] menu in the navigation bar.
The Global Bank Transfer option connects you directly to MEXC's SEPA payment gateway. This processes transfers way faster than traditional international wire transfers - users with SEPA Instant-enabled banks typically see completion within two hours, while standard SEPA transfers finish within 0-2 business days.
Step 2: Buy Crypto with SEPA - Amount and Currency Selection
- Select EUR as the Fiat currency for the payment.
- Fill in the amount in EUR to get the real-time quote based on your transaction needs.
- Proceed to click on Buy Now and you will be redirected to the Order page.
Note: Real-time quote is derived from Reference price from time to time. The final purchase token will be credited to your MEXC account based on the amount transferred and the latest exchange rate.
Here's something important to understand about exchange rates: MEXC uses real-time market rates for SEPA crypto purchases, meaning your final crypto amount depends on market conditions when your transfer processes. During those crazy volatile market periods, the crypto amount you receive might differ from your initial quote. This is exactly why many users prefer SEPA Instant transfers - less time for price swings to mess with your purchase.
Step 3: SEPA Crypto Transfer Reference Code and Payment Window
- Check the Reminder box. Remember to include the Reference Code in the transfer remark when paying for the Fiat order to ensure a successful transaction. Otherwise, your payment might be interrupted.
- You will have 30 minutes to complete the payment after the Fiat order has been placed. Please arrange your time reasonably to complete the order and the relevant order will expire after the timer ends.
- All payment information required is displayed on the Order page, including [Receiver's Bank Information] and [Additional Information]. Once you have completed the payment, please proceed to click on the I've paid
Why SEPA Crypto Payments Require Reference Codes
Pay attention here - this Reference Code isn't just bureaucracy. It's MEXC's automatic payment matching system that links your bank transfer to your specific crypto order. Think of it as the digital fingerprint that tells MEXC "this €1,000 transfer belongs to John's Bitcoin purchase, not Mary's Ethereum order."
This alphanumeric code must be entered exactly as shown in your bank transfer's reference field. Miss this step, and you're looking at delays while MEXC support manually hunts down your payment among thousands of daily transfers.
Step 4: SEPA Instant vs Standard Crypto Transfer Processing
The payment will be processed automatically after you mark the order as Paid. Generally, the Fiat order is expected to be completed within two hours if it is through SEPA Instant payment. Otherwise, it is estimated to take 0-2 business days for the completion of the order.
The difference between SEPA Instant and standard SEPA is like choosing between express delivery and regular mail. SEPA Instant transfers work 24/7 - weekends, holidays, middle of the night - typically completing within minutes to two hours. Standard SEPA transfers only process during banking hours on business days, so starting a transfer Friday evening means waiting until Monday.
Quick tip: check your bank's SEPA Instant support before making time-sensitive crypto purchases. When you buy crypto with SEPA instant transfers, you minimize exposure to market volatility.
Step 5: Track Your Bank Transfer Crypto Purchase
Check the Orders tab. You may view all of your previous Fiat transactions here.
The Orders tab becomes your crypto purchase diary, showing transfer status, processing timestamps, exchange rates applied, and crypto amounts received. Keep this information handy - it's goldmine for tax reporting and portfolio tracking.
Supported Countries and Banking Requirements
MEXC's SEPA service covers 30 European countries within the Single Euro Payments Area. This includes all EU member states plus Iceland, Norway, Switzerland, Liechtenstein, and Luxembourg. Each country has slightly different banking procedures, but all benefit from standardized SEPA processing.
SEPA Crypto Purchase Limits and Daily Restrictions
- The service is only available to KYC users in the Supported Countries.
- Deposit limit: [Maximum Single Transaction Limit 20,000 EUR] ; [Maximum Daily Limit 21,000 EUR]
These limits aren't arbitrary - they comply with European anti-money laundering regulations while providing substantial capacity for most crypto investors. The €20,000 single transaction limit (roughly $21,500) handles significant crypto investments, while the €21,000 daily limit allows multiple transactions within regulatory compliance.
Need higher limits? Contact MEXC support about institutional account options.
Deposit Requirements You Can't Ignore
- Please ensure that the bank account you're sending from is under the same name as your KYC name.
- Please ensure that you use the correct Reference Code for the transfer. Otherwise, the transfer may fail.
- The final purchase token will be credited to your MEXC account based on the amount transferred and the latest exchange rate.
- Only 3 cancellations are allowed per day.
- The purchased crypto will be credited to your MEXC account within 2 business days. Banks with SEPA-Instant support are recommended to use for the payment of the SEPA order. View the list of the Banks with SEPA-Instant support.
Common SEPA Bank Transfer Crypto Problems and Solutions
Transfer delays usually happen for predictable reasons. If your transfer hasn't appeared after expected processing times, start with the basics: verify you included the Reference Code correctly. Then contact your bank to confirm the transfer went through and wasn't blocked by fraud prevention systems.
Some banks get nervous about first-time crypto-related transfers and require telephone confirmation. Others might temporarily block transfers to new recipients as a security measure. MEXC support can track transfers using your Reference Code and bank transaction details.
Supported Countries via SEPA
Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Luxembourg, Liechtenstein
European banks across these 30 countries offer varying levels of instant transfer support. Many major European banks provide SEPA Instant services, enabling faster crypto purchases. Check with your specific bank regarding SEPA Instant availability and associated fees.
Understanding Transfer Costs
SEPA crypto transfers generally offer significant cost advantages when you buy crypto SEPA compared to credit card purchases. Most European banks charge minimal fees for SEPA transfers within the eurozone, while credit card purchases often incur 2-3% processing fees plus potential foreign exchange charges.
However, specific costs vary between banks and payment methods, so verify current fees with your financial institution. MEXC doesn't charge additional fees for SEPA deposits beyond what your bank imposes.
SEPA Crypto FAQ: Bank Transfer Questions Answered
Is MEXC's SEPA service safe to use?
MEXC processes SEPA transfers through established European banking partnerships and requires Advanced KYC verification for all users. The platform implements standard security measures including two-factor authentication and transaction monitoring. Always research current service status before making transfers.
What should I do if my SEPA transfer fails?
First, verify you included the correct Reference Code in your bank transfer. Check with your bank to confirm the transfer was sent successfully and not blocked by security systems. Some banks require telephone confirmation for first-time crypto-related transfers. Contact MEXC support with your Reference Code and bank transaction details if needed.
Why is the Reference Code so important?
The Reference Code serves as MEXC's automatic payment matching system, linking your specific bank transfer to your crypto purchase order. Without this exact code in your transfer's reference field, MEXC cannot automatically process your payment, leading to delays requiring manual intervention.
Why might my bank reject a SEPA transfer to MEXC?
Banks may decline cryptocurrency-related transfers due to internal risk policies, especially for first-time transactions. Some require prior notification or telephone confirmation for crypto purchases. Transfers may also be blocked if account names don't match exactly, daily limits are exceeded, or fraud detection systems flag unusual activity.
How long do SEPA transfers actually take?
When you buy crypto with SEPA instant transfers, transactions typically complete within two hours, while standard SEPA transfers take 0-2 business days. Processing speed depends on your bank's capabilities and instant transfer support. Weekend or holiday transfers using standard SEPA may experience delays until the next business day.
Can I cancel a SEPA transfer order?
MEXC allows up to 3 order cancellations per day, but only before completing the actual bank transfer. Once your bank processes the SEPA transfer, the transaction cannot be reversed through MEXC's system - you'd need customer support assistance.
Final Thoughts
If you have any questions, feel free to submit an OTC ticket for consultation.
SEPA bank transfers provide European users with a practical, cost-effective pathway to purchase cryptocurrency through MEXC. With processing times as fast as two hours for instant transfers, minimal fees from most European banks, and familiar banking procedures, SEPA represents a smart choice for crypto purchases. Complete your Advanced KYC verification and ensure your bank supports the transfer requirements to get started with MEXC's SEPA service.
熱門文章
以太坊有多少枚代幣？完整的ETH供應量指南
以太坊是市值第二大的加密貨幣，但許多投資者想知道究竟現在有多少枚以太坊代幣存在。 與比特幣固定供應量2,100萬枚不同，以太坊採用持續演變的動態供應模式。 本文將解釋以太坊目前的流通供應量、為何沒有最大供應上限，以及網絡的發行和銷毀機制如何影響存在的ETH總數。 了解這些供應動態對於任何想投資或使用以太坊的人來說都至關重要。 重點摘要 目前約有1.204億枚ETH在流通中，沒有最大供應上限。以太坊
以太坊有什麼用途？實際應用與使用案例
以太坊已從加密貨幣發展成為構建應用程式和金融工具的全球平台。 本文探討以太坊在實際應用層面的用途，從日常服務到商業解決方案。 重點摘要 以太坊是一個去中心化的區塊鏈平台，能夠實現智能合約和超越簡單加密貨幣交易的應用程式。以太坊上的 DeFi 平台讓用戶無需透過傳統金融機構即可借貸和交易。以太坊上的 NFT 為藝術品、收藏品和遊戲內資產提供可驗證的數位所有權。摩根大通和微軟等大型企業使用企業以太坊進
現在該買以太坊還是等待？專家分析與價格預測
2025年12月，以太坊交易價格約為3,200美元，較8月的歷史高點4,954美元下跌，讓許多投資者思考現在是否是適當的買入時機。 本文深入分析以太坊當前市場地位、投資驅動因素、價格預測及主要風險，協助您做出是否該立即投資以太坊的明智決策。 重點摘要 以太坊目前交易價格較8月歷史高點4,954美元低35%，為長期投資者提供潛在進場機會。12月即將推出的Fusaka升級代表自The Merge以來以
哪裡可以購買以太幣？新手完整指南
正在尋找哪裡可以購買以太幣，卻對眾多選擇感到不知所措？你並不孤單。 以太坊是市值第二大的加密貨幣，支撐著從去中心化金融到數位藝術的一切應用。本指南將引導您選擇安全的交易平台、逐步完成購買，並了解影響以太幣價值的因素。 無論您是在探索哪裡可以線上購買以太幣，還是準備進行第一次加密貨幣購買，本資源都將簡化整個過程。 重點摘要： 以太坊是第二大加密貨幣，也是支持智能合約和去中心化應用程式的區塊鏈平台。像
熱門加密動態
Sui Network (SUI) 短期價格預測
SUI 短期價格預測簡介在快節奏的加密貨幣交易世界中，短期價格預測可以幫助交易者在每日、每週和每月的時間框架內識別機會。Sui Network (SUI) 的短期價格預測結合了技術指標、圖表模式和當前市場情緒，提供關於 SUI 價格可能走向的見解。了解 SUI 價格預測趨勢對於希望利用近期價格波動的加密貨幣交易者至關重要。Sui Network 當前市場狀況截至 2025 年 12 月 23 日星
Sui Network (SUI) 價格預測：市場展望與分析
了解 Sui Network (SUI) 的價格預測，能為交易者和投資者提供潛在市場趨勢的前瞻性視角。Sui 價格預測並非絕對保證，但它們透過結合歷史表現、技術指標、市場情緒以及影響 SUI 代幣預測的更廣泛經濟條件，提供了寶貴的洞察。Sui Network (SUI) 當前市場概況Sui Network (SUI) 是一個第一層區塊鏈和智能合約平台，旨在透過快速、安全且可擴展的交易來增強數位資產
Snowball (SNOWBALL) ATH 價格歷史：歷史高點與洞察
Snowball (SNOWBALL) 的 ATH 價格歷史顯示了該代幣曾經達到的最高點，為交易者和投資者提供了關於市場峰值和潛在阻力位的寶貴見解。SNOWBALL 歷史最高價概覽根據截至 2025 年 12 月的可用市場數據，Snowball (SNOWBALL) 是一個相對新推出的加密貨幣代幣，於 2025 年 12 月 19 日開始交易[2]。鑑於其最近才進入市場，該代幣尚未建立與更成熟的加
Snowball (SNOWBALL) 即時價格與市場分析
加密貨幣市場變化快速，Snowball (SNOWBALL) 即時價格幫助交易者保持最新資訊。本文重點介紹今日交易價格、短期表現，以及目前影響 SNOWBALL 的主要因素。Snowball 當前即時價格截至 2025 年 12 月 22 日星期一，UTC 時間上午 10 點，SNOWBALL 的估值為 0.006639 USDT，標誌著在 MEXC 上近期交易活動的動態啟動。同期交易量在新上市中
相關文章
什麼是預測合約？一種簡單快捷的合約交易方式
加密貨幣合約交易以其高槓杆和多空雙向獲利的能力吸引了無數投資者，但其複雜的機制——保證金、槓桿、強平價格等，也讓許多新手望而卻步。爲了降低衍生品交易的門檻，MEXC 創新性地推出了「預測合約」。它摒棄了傳統合約的複雜性，將交易迴歸到最核心的本質：判斷漲跌。*BTN-開啓您的合約交易之旅&BTNURL=https://www.mexc.com/futures/BTC_USDT *1. 什麼是預測合約
新手必看！MEXC 合約收益和手續費詳解
在 MEXC 等主流交易所進行合約交易時，您交易的盈虧來自三個方面：手續費（Trading Fee），即交易過程中所產生的成本資金費用（Funding Fee）即在持倉期間按照資金費率進行的週期性結算平倉盈虧（Realized PnL），指在平倉後鎖定的最終盈虧結果掌握這三項的計算方法，不僅能夠幫助交易者精準評估每一筆交易的真實收益，還能有效優化交易策略、降低成本支出，並在不同市場環境中保持理性決
如何管理子賬號
1. 什麽是子賬號在您的 MEXC 賬戶中，您可以設置多個子賬號，用於幫助您日常交易。比如您可以使用一個子賬號用於現貨交易，使用另一個子賬號用於合約交易。MEXC 提供了兩種子賬號，一種是無登錄權限的，此類子賬號需要配合 API 使用。您要查看這種子賬號，需要在您的 MEXC 賬戶下進行這個子賬號信息查看，包括轉賬信息、交易信息等。另一種是通過郵箱可以登錄的子賬號，除了您在 MEXC 賬戶下可以查
如何查看 MEXC 平臺幣種的上架下架信息
在 MEXC 平臺上，目前現貨交易對有近 2000 對，衍生品交易對超過 350 對。MEXC 依舊不斷更新增加新的代幣種類，同時對於不符合平臺規則的代幣進行下架處理。1. 如何查看代幣上架信息MEXC 提供了新幣日歷，您可以在新幣日歷界面，查看到即將上架的代幣。新幣日歷網址：https://www.mexc.com/zh-TW/newlisting如果您是 MX Holder，您還可以點擊【陽光
