Buy Crypto with SEPA (EU) Bank Transfers

Topper now supports SEPA bank transfers, making buying crypto easier and more affordable for European residents. By adding this local payment option, we’re providing a cost-effective alternative to card payments, reducing fees, and improving transaction success rates. This is a major step in expanding Topper’s presence in Europe and ensuring a seamless experience for our EU users.

What Are European Bank Transfers?

European bank transfers, also known as Single Euro Payments Area (SEPA) transfers, allow users to fund crypto purchases directly from their bank accounts instead of relying on expensive international payment methods.

The Benefits of Buying Crypto with EU Bank Transfers

Faster, More Reliable Transactions

• Instant Transfers: Transactions are completed in seconds if the user’s bank supports it.
• Standard Bank Transfers: If instant transfers are unavailable, funds will arrive in 3 to 5 business days, but only when necessary.

Lower Fees & Higher Acceptable Rates

• Lower Fees: Bank transfers cost significantly less than credit cards.
• Higher Acceptance Rates: Unlike cards, transfers are rarely declined unless there are compliance or fraud concerns.

Virtual IBANs for Repeat Purchases
‍After their first transaction, users will receive a unique virtual IBAN, allowing them to:

• Reuse the same bank details for future deposits.
• Set up automated crypto purchases directly from their bank account.

• Each transfer includes a unique transaction reference, ensuring funds are correctly linked to the selected crypto asset.

Where Are European Bank Transfers Available?

Here’s a list of jurisdictions that EU bank transfers support via Topper:

‍How to Buy Crypto Using Bank Transfer (SEPA)

Topper supports 230+ digital assets under SEPA, including your favorites, such as BTC, ETH, and SOL. Unlike other payment methods, SEPA requires you to manually complete the transfer from your banking app.

To buy crypto using bank transfer, follow these steps:

1. Select the digital asset you want to buy on a partner app or website and click "Buy with Topper."
2. Enter the amount you want to spend or the amount of crypto you want to buy using Topper’s calculator.
3. Provide your email or sign in with Google or Apple.  
4. Select “Bank transfer” as your payment method, then click "View bank transfer instructions".
5. Use your banking app to manually transfer the funds to the provided bank account details.

Using bank transfer for Direct Orders:

With Direct Orders, you can top up your wallet anytime by sending a bank transfer with your assigned reference code—making crypto purchases even easier.

1. Once you get the bank account details to use to purchase crypto with Topper, you’ll also receive an email with the subject "Complete your bank transfer." This email contains an important reference/description code that you can use for future deposits.
2. If you transfer funds from your bank to Topper using this specific reference code, the deposited amount will be automatically converted into the same digital asset and sent to the same wallet address used in your original order.  
3. This means you don’t need to place a new order or even to login—simply deposit funds with the correct reference code, and your crypto will be credited to your wallet.  

Important: The reference code is unique to your wallet and selected asset—to purchase different cryptocurrencies or send to different wallets, place a new order on Topper.

Get Started Today

European bank transfers are now available on Topper, making crypto purchases in Europe cheaper, faster, and more reliable. While withdrawals (off-ramp) aren’t supported yet, we will add that feature soon.
Try it today and experience an easier way to buy crypto with Topper.

NOT FINANCIAL ADVICE
Please note that Uphold and its affiliates do not provide investment, tax, or legal advice. This message is for informational purposes only and takes no account of particular personal or market circumstances, and should not be relied upon as investment, tax, or legal advice. For investment, tax, or legal advice and before taking any action you should consult your own advisors. Note that digital assets such as cryptocurrencies present unique risks for investors. Please see our disclaimer regarding risks specific to holding digital assets before investing.

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