
Easiest and cheapest ways to buy crypto with SEPA

Coinmama
👛 Fees – High
👛 Verification – 1 Day
👛 Reputation – Trusted
👛 Supported fiat – USD, EUR, GBP, CAD, AUD
Founded in 2013 in Israel, Coinmama is one of the oldest crypto exchanges in the business. With its current headquarters in Dublin, Ireland, this centralized cryptocurrency exchange allows its users to quickly and securely buy and sell cryptocurrencies.
⚡️ Deposit fees:
0 – 5 %
⚡️ Withdrawal fees:
None
⚡️ Trading fees:
2.9 – 3.9 %
⚡️ Payment Methods:
Bank Transfer (SEPA), SWIFT, Fedwire, Bank cards, Open Banking, Google Pay, Apple Pay, Skrill
⚡️ Supported fiat:
USD, EUR, GBP, CAD, AUD
Available almost worldwide
Mobile App (Android and iOS)
Good for Beginners
Good Support
Various payment methods
A small selection of available cryptocurrencies
Not the lowest fees
Can’t do anything on the platform other than purchases and sells of coins

Luno
👛 Fees – Average
👛 Verification – 2-3 days
👛 Reputation – Trusted
👛 Supported fiat – EUR, IDR, MYR, NGN, ZAR, ZMW, USD
Previously known as BitX, Luno was founded in 2013 in South Africa.
⚡️ Deposit fees:
Fees vary by currency
⚡️ Withdrawal fees:
Fees vary by payment method
⚡️ Trading fees:
0.20%
⚡️ Payment Methods:
Bank Transfer (SEPA), Credit Card, Debit Card, Cash Electronic Funds Transfer, Interbank GIRO, Interbank Funds Transfer, SEPA
⚡️ Supported fiat:
EUR, IDR, MYR, NGN, ZAR, ZMW, USD
Beginner-friendly crypto trading
Offers interest on crypto savings
Secure storage
Not available for U.S. customers
Small selection of cryptocurrencies

Bitstamp
👛 Fees – Low
👛 Verification – 1 Day
👛 Reputation – Trusted
👛 Supported fiat – USD, EUR, GBP
Bitstamp is one of the oldest and more reliable crypto exchanges in the world. It was launched back in 2011 by Damijan Merlak and Nejc Kodrič in their native Slovenia. However, the exchange moved to the UK in 2013 and since 2016 it is based in Luxemburg.
The main features of the exchange are buying and selling cryptocurrencies, spot trading, and staking. Bitstamp does not support the margin of future trading.
⚡️ Deposit fees:
0 – 5 %
⚡️ Withdrawal fees:
Sepa – 3 EUR, ACH – Free, Credit cards – 5%, International wire – 0.1%, and crypto – depends on the asset (0.0005 BTC)
⚡️ Trading fees:
0 – 0.5 %
⚡️ Payment Methods:
Credit/Debit Card, ACH Transfer, SEPA, USD Wallet, Faster Payments, and International Wire.
⚡️ Supported fiat:
USD, EUR, GBP
It is one of the oldest crypto exchanges
Useful for both beginners and experienced traders
Low fees
Security and reputation on the high level
The limited number of coins supported (50)
No margin or future trading
The limited number of coins available for staking (2)
Read also:
- Buy Bitcoin With Apple Pay
- How To Buy Bitcoin With Skrill?
- How To Buy Bitcoin With Google Pay 2022?
- How to Buy Bitcoin with PayPal Account?
- How To Buy Bitcoin With N26?

Kraken
👛 Fees – Average
👛 Verification – 2-3 Days
👛 Reputation – Trusted
👛 Supported fiat – USD, EUR, GBP, JPY, CAD
Kraken is one of the oldest and biggest centralized cryptocurrency exchanges on the market. It was founded in San Francisco, California, the United States, in 2011. It has over 6 million users all over the world. Kraken offers 90+ cryptocurrencies that you can buy, sell, and trade.
⚡️ Deposit fees:
EUR SEPA Deposit (Free) – EEA countries only USD Bank Wire Deposit ($5 USD) – US onlyEUR Bank Wire Deposit (€10) – outside the US only USD Bank Wire Deposit ($10 USD) – outside US onlyJPY Bank deposit (Free, ¥5,000 deposit minimum) – Japan-only USD, Wire Deposit (Free)
⚡️ Withdrawal fees:
Cryptocurrency: Fees vary, SEPA Withdrawal (€0.09) – EEA countries only USD Bank Wire Withdrawal ($5 USD) – US only USD Bank Wire Withdrawal ($60 USD) – outside US onlyEUR Bank Wire Withdrawal (€60) – outside US onlyJPY Bank withdrawal (¥20) – Japan onlyCAD EFT Withdrawal ($10 CAD)
⚡️ Trading fees:
Maker: 0.16%Taker: 0.28%
⚡️ Payment Methods:
Fedwire, Bank Transfer (SEPA), SWIFT, Wire Transfer, Etana Custody, Silvergate Exchange Network (SEN), FPS, CHAPS, and BACS, PayID, Osko
⚡️ Supported fiat:
USD, EUR, GBP, JPY, CAD
170+ countries supported
Never been hacked
Mobile App (iOS and Android)
Various payment methods
A wide range of cryptocurrencies is available
Fees slightly above the industry average
Limited customer support

LocalBitcoins
👛 Fees – Low
👛 Verification – 1 Day
👛 Reputation – Trusted
👛 Supported fiat – USD, EUR, GBP, and more
LocalBitcoins is one of the largest peer-to-peer service platforms on the crypto market. It was launched in 2012 in Finland and was founded by Nikolaus Kangas. Since then, LocalBitcoins has achieved enormous growth, which led to it becoming the leading marketplace for Bitcoin exchange services. The only currency LocalBitcoins supports is Bitcoin.
However, services of LocalBitcoins aren’t available in Washington and New York. Features such as futures trading, derivatives, margin trading, short selling, or any other option aren’t supported. This is because LocalBitcoins doesn’t work as a traditional trading platform.
⚡️ Deposit fees:
Free
⚡️ Withdrawal fees:
Free
⚡️ Trading fees:
1%
⚡️ Payment Methods:
SEPA, Wire Transfer, Paypal, WeChat, MoneyGram, Credit Card, Debit Card, etc.
⚡️ Supported fiat:
USD, EUR, GBP, RUB, and more (most currencies)
Simple to use
Plenty of payment options
Available worldwide
Swift transactions
Higher exchange rates
Cash trades aren’t supported

Cex.io
👛 Fees – High
👛 Verification – 1 Day
👛 Reputation – Trusted
👛 Supported fiat – USD, EUR, GBP, RUB
Cex.io is cryptocurrency exchange platform that allows users to buy and sell various digital assets and store them in their account. It offers a range of trading tools and features for both beginner and experienced traders, including a margin trading platform called CEX.IO Broker where users can trade commission-free. The reputation of the exchange seems to be very high, mainly due to its longevity on the crypto market.
⚡️ Deposit fees:
0 – 3.99 %
⚡️ Withdrawal fees:
0 – 3 %
⚡️ Trading fees:
0 – 0.25 %
⚡️ Payment Methods:
Credit Card, Bank transfer, ACH, Epay, Skrill, SEPA, Faster Payments
⚡️ Supported fiat:
USD, EUR, GBP, RUB
Well-established and highly appreciated
It has been around for a very long time
Over 4 million users
Advanced trading features
Extensive Verification Process
Lower liquidity when compared to main competitors

⚡️ Deposit fees:
Credit/Debit Card: 3.99%SEPA: €0U.S Bank Transfer: 1.49% (US $0.15 min.)Coinbase USD wallet: 1.49%ACH Transfer USD: $0 Wire Transfer USD: $10
⚡️ Withdrawal fees:
SEPA: €0.15U.S Bank Transfer: 1.49% (US $0.15 min.)Coinbase USD wallet: 1.49%Wire Transfer USD: $25
⚡️ Trading fees:
Fees vary
⚡️ Payment Methods:
Bank Account, Debit Card, Credit Card, Wire Transfer, SEPA Transfer
⚡️ Supported fiat:
USD, EUR, GBP, AUD, CAD, CNY & 50+ more
High liquidity & limits
Great for newcomers
“Instant Buy” is available when buying with a debit card
High fees with debit and credit card purchases
Privacy concerns
Frequently asked questions about buying Bitcoin in SEPA
Buying Bitcoin with a SEPA bank transfer allows for greater purchase amounts and lower fees than buying with a credit or debit card. Coinmama currently allows bank transfer purchases of up to 12,000 USD a day, and unlike credit and debit cards, there is no additional processing fee charged by us for bank transfers.
SEPA is a payment system created by the European Union. It provides a set of tools and standards to facilitate EUR transfers among European banks easily. SEPA is approved and regulated by the European Commission. One of the possibilities the SEPA payment system offers is instant payments.
Coinbase is the world’s largest Bitcoin (BTC) 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, UK, Singapore, and Canada.
Yes, it does.
According to many localbitcoins.com is the best cryptocurrency exchange in Europe.
CaptainAltcoin's writers and guest post authors may or may not have a vested interest in any of the mentioned projects and businesses. None of the content on CaptainAltcoin is investment advice nor is it a replacement for advice from a certified financial planner. The views expressed in this article are those of the author and do not necessarily reflect the official policy or position of CaptainAltcoin.com