Coingate
en en
English English Lietuvių Lietuvių

SEPA (Europe) ACH (United States)

Buy crypto with a bank transfer

Buy Bitcoin (BTC), Ethereum (ETH), USDC, USDT and other cryptocurrencies directly from your bank account. SEPA transfers for Europe, ACH for the US. Lower fees than card payments.

How to buy crypto with a bank transfer

Four steps. Pay directly from your bank account.

1

Choose your crypto

Pick from over 130 supported coins including Bitcoin, Ethereum, Solana, and more.

2

Enter the amount

Set how much you want to buy in EUR, USD, or another supported currency.

3

Select bank transfer

Choose SEPA (Europe) or ACH (United States) as your payment method.

4

Complete the payment

Send funds from your bank. Once the transfer settles, your crypto is delivered to your wallet address.

Transfer types

Compare available bank transfer methods by region, speed, and fees.

SEPA transfers (Europe)

Euro bank transfers across Europe.

Processing time
~1 business day
Currency
EUR
Coverage
36 European countries
Best for
Larger purchases, lower fees
ACH transfers (United States)

US bank transfers without card fees.

Processing time
1 to 3 business days
Currency
USD
Coverage
US + Puerto Rico
Best for
No card fees, larger amounts

Why use a bank transfer to buy crypto?

paid

Lower fees

Bank transfers typically carry lower processing costs than card payments. More of your money goes toward crypto.

arrow_insert

Higher limits

Bank transfers often support larger purchase amounts than card or digital wallet payments. Better suited for bigger positions.

account_balance

Direct from your account

No intermediary card or wallet needed. Funds move straight from your bank to the payment processor.

Supported cryptocurrencies

Buy any of these coins with a bank transfer. 130+ cryptocurrencies available in total.

Fees and limits

Bank transfer fees are typically lower than card transactions. Exact fees and minimum purchase amounts are displayed at checkout before you confirm.

No hidden charges. The total shown on the confirmation screen is what you pay. Exact fees depend on your location and the payment provider.

Other ways to buy crypto on CoinGate

contactless

Buy crypto with Apple Pay

Buy now
android

Buy crypto with Google Pay

Buy now
credit_card

Buy crypto with credit card

Buy now

Have a question about buying crypto with a bank transfer?

Frequently asked questions

Can I buy Bitcoin with a bank transfer?

Yes. Select Bitcoin on CoinGate, choose bank transfer at checkout (SEPA for Europe or ACH for the US), and complete the transfer from your bank. Crypto is delivered to your wallet once the funds settle.

What is a SEPA transfer?

SEPA (Single Euro Payments Area) is a payment network that covers 36 European countries. It enables euro-denominated bank transfers between participating countries with standardized processing times and low costs.

How long does a bank transfer take?

SEPA transfers typically settle within one business day. ACH transfers in the United States take 1 to 3 business days. Your crypto is delivered once the transfer clears.

Are bank transfer fees lower than card fees?

  • Generally, yes. Bank transfers carry lower processing costs than card payments. Exact fees depend on your location and the payment provider, and are displayed at checkout before you confirm.

Is there a minimum amount for bank transfer purchases?

Minimums depend on your location and the payment provider. The exact minimum is shown at checkout before you confirm your purchase.

Do I need to verify my identity for a bank transfer purchase?

Verification may be required depending on your location and the purchase amount. The payment provider may ask for a government-issued ID to meet regulatory requirements.

Can I use a bank transfer from outside Europe or the US?

Currently, bank transfers are available via SEPA (Europe) and ACH (United States and Puerto Rico). For other regions, credit or debit cards and digital wallets like Apple Pay or Google Pay are available.