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.
热门文章
如何在MEXC上线项目：申请流程完整指南
将您的加密货币项目在MEXC上市需要几个步骤和要求。以下是一份全面的指南：1. MEXC上市流程概述MEXC根据您的项目阶段、社区规模和资源提供不同的上市路径。与Coinbase等其他交易所相比，MEXC以相对易于访问而闻名。第1步：了解MEXC的上市标准基于项目价值的审查流程最适合具有强大基础的项目第2步：准备您的项目在申请之前，请确保您准备好这些必需品：技术要求智能合约信息合约地址（在区块链浏
如何使用 MEXC 不同的订单模式进行合约下单？帮你低成本快速完成建仓
在瞬息万变的加密货币合约市场中，建仓（即开立仓位）是交易的第一步，也是决定交易成败的关键一步。许多交易者，尤其是新手，往往只知道使用最基础的市价单和限价单，这不仅可能让他们错失良机，还可能因为滑点等问题无形中增加了交易成本。事实上，像MEXC这样专业的交易平台提供了多种订单模式，每一种都像一个精密的工具，为特定的交易场景而设计。掌握这些工具，意味着您能更主动、更精准地执行自己的交易策略。本文将全面
如何使用 MEXC DEX+
1. 什么是 MEXC DEX+？MEXC DEX+ 是一个去中心化交易聚合平台（DEX Aggregator），整合多家 DEX，为用户提供最优交易路径，降低滑点并优化交易成本。作为 MEXC 最新推出的去中心化交易解决方案，DEX+ 支持超过 10,000 种链上资产交易，确保用户始终以最佳价格成交，带来顺畅的 DEX 交易体验。2. 如何使用 MEXC DEX+
新手必看！MEXC 合约收益和手续费详解
在 MEXC 等主流交易所进行合约交易时，您交易的盈亏来自三个方面：手续费（Trading Fee），即交易过程中所产生的成本资金费用（Funding Fee）即在持仓期间按照资金费率进行的周期性结算平仓盈亏（Realized PnL），指在平仓后锁定的最终盈亏结果掌握这三项的计算方法，不仅能够帮助交易者精准评估每一笔交易的真实收益，还能有效优化交易策略、降低成本支出，并在不同市场环境中保持理性决
热门加密动态
九位数净资产：财富创造的新里程碑
九位数净资产的概念，范围从1亿美元到略低于10亿美元，在现代经济中标志着一个关键门槛，区分超高净值个人(UHNWIs)与亿万富翁。这个财富级别不仅象征着巨大的财力，还代表了一个在当今快速发展的经济格局中越来越重要的特殊富裕阶层。在MEXC（一个领先的加密货币平台）的用户中，随着创新者、投资者和Web3先驱利用区块链技术比传统财富构建方法更快地积累大量财富，九位数财富变得越来越普遍。与传统金融不同，
Dogecoin (DOGE) 看涨价格预测
看涨 DOGE 前景介绍乐观的投资者经常关注 Dogecoin (DOGE) 的看涨价格预测，以确定该币在有利的市场周期中的增长潜力。看涨前景探讨了采用率、创新和市场动能如何将 DOGE 推向更具盈利性的加密货币交易领域的各种情景。DOGE 当前市场快照根据 MEXC News 最新的市场数据，Dogecoin 最近的交易价格在 $0.13-$0.15 区间，市值超过 220 亿美元，在最近分析期
Dogecoin (DOGE) 7日价格变动
最新的Dogecoin (DOGE)价格在过去一周显示出显著的短期波动，反映出市场对迷因币的情绪变化以及更广泛的市场状况。在本文中，我们将分析其当前价格、7天价格变动以及影响DOGE价格趋势的市场因素。Dogecoin (DOGE) 当前价格根据MEXC的最新市场数据，Dogecoin目前的交易价格约为$0.14中区，在2025年12月，其日内波动通常在$0.14至$0.15之间。在最近的24小时
BOB (Build on Bitcoin) (BOB) 30天价格变化：市场分析
追踪BOB (BOB) 的30天价格变化可以深入了解短期至中期市场趋势，突显近期波动性、动能和交易者行为。这段时期通常显示了新闻、采用事件和更广泛的加密货币动向如何影响BOB的价格趋势和BOB价格预测因素。过去30天BOB (BOB) 价格概览在过去30天内，BOB (Build on Bitcoin)从约$0.00490上涨至约$0.01625，反映了+227.00%的变化。在此期间，该代币经历
相关文章
如何在 MEXC 交易美股合约
加密货币美股合约指的是以合约的形式，将美股（美国上市公司股票）与加密货币市场进行结合的一种金融衍生品。它允许投资者使用加密货币（如 USDT 等）作为保证金，来交易美股的价格波动，而不需要实际拥有股票本身。1. MEXC 美股合约有什么特点1）交易时间请您以交易页面展示的实际时间段为准。2）标的价格锚定 ONDO 代币化股票，与美股正股最新股价可能存在差异。3）用户可开展做多或做空等常规操作，不同
如何使用 MEXC DEX+
1. 什么是 MEXC DEX+？MEXC DEX+ 是一个去中心化交易聚合平台（DEX Aggregator），整合多家 DEX，为用户提供最优交易路径，降低滑点并优化交易成本。作为 MEXC 最新推出的去中心化交易解决方案，DEX+ 支持超过 10,000 种链上资产交易，确保用户始终以最佳价格成交，带来顺畅的 DEX 交易体验。2. 如何使用 MEXC DEX+
新手必看！MEXC 合约收益和手续费详解
在 MEXC 等主流交易所进行合约交易时，您交易的盈亏来自三个方面：手续费（Trading Fee），即交易过程中所产生的成本资金费用（Funding Fee）即在持仓期间按照资金费率进行的周期性结算平仓盈亏（Realized PnL），指在平仓后锁定的最终盈亏结果掌握这三项的计算方法，不仅能够帮助交易者精准评估每一笔交易的真实收益，还能有效优化交易策略、降低成本支出，并在不同市场环境中保持理性决
MEXC 交易手续费与资金费率全解析：现货与合约费率最新指南
无论是在加密货币领域摸爬滚打多年的职业交易员，还是刚刚接触交易的新手，了解交易相关费率都是熟悉交易规则、提升交易体验的必经之路。MEXC 作为全球领先的加密货币交易平台，提供清晰透明的费率体系，帮助交易者在合约与现货交易中更好地管理成本。1. 合约交易相关费率1.1 交易手续费在 MEXC 合约交易中，用户会有两种身份：挂单（Maker）：当前所下的限价单并未与当前挂单（Maker）成交，并被放在
