Buy Bitcoin with Bankinter

[✓] last verified 2026-01-28·Reviewed by BankToBTC Team

Data from bank docs & Bank of Spain registers · How we verify · Report an error

Crypto-friendly.

Crypto Compatibility Score: 82/100 (Excellent)

Score Breakdown:

  • Payment methods: 30/35 pts — fast deposit rails available
  • Bank transfer reliability: 23/25 pts
  • Limits: 12/20 pts
  • Cost: 10/10 pts
  • Evidence: 7/10 pts

Supported payment methods: sepa, sepa-instant

Last verified:

Quick Verdict

Bankinter doesn't sell crypto. SEPA to a licensed exchange works, check your transfer limits first, as you may need to request an increase for larger deposits.

  • [✗]

    Can you buy Bitcoin in the app?

    No, use an external exchange

  • [✓]

    Can you fund an exchange?

    Yes, using SEPA Credit Transfer

  • [›]

    Best funding method

    SEPA Credit Transfer

  • [!]

    Potential issue

    Transfer limit may need to be increased

Top Exchanges for Bankinter

Step-by-step guide to buying Bitcoin with Bankinter

Bankinter works best when you send SEPA transferencia to a CNMV registered exchange and keep the concepto exact. Use the steps below to begin.

  1. Pick a Banco de España registered exchange
    Choose a registered provider and plan to fund by SEPA for best reliability.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity so EUR deposits are enabled.
  4. Copy IBAN and concepto reference
    Select SEPA deposit and copy IBAN, BIC, and any reference to include in concepto.
  5. Send transferencia in the Bankinter app
    Open Bankinter, go to Transfers, add the beneficiary, approve using Bankinter Code or app confirmation, and enter the concepto reference; raise your límite before retrying if it fails.
  6. Wait for funds to arrive
    SEPA often lands next business day; new beneficiaries can add a short delay due to checks.
  7. Purchase Bitcoin
    Buy BTC once the deposit is credited.
  8. Secure your Bitcoin
    Move BTC to a wallet if you want self custody.

[!] Troubleshooting

  • If you hit a transfer cap, raise your daily limit in settings before attempting larger deposits.
  • If a new beneficiary payment fails, complete any added authentication steps, then retry with a small amount first.
  • If crediting is delayed, check that the concepto field includes the exact reference code.

Frequently Asked Questions

Can I buy Bitcoin with Bankinter?

Yes. Bankinter does not offer native Bitcoin trading in standard banking, but you can fund exchanges using a SEPA transferencia from the Bankinter app or web banking. If your card is declined, a bank transfer to Bit2Me or Kraken is a dependable path. For time sensitive deposits, check whether your account can send transferencia inmediata to an exchange IBAN.

Is Coinc relevant for crypto deposits if I bank with Bankinter?

Only indirectly. Coinc is Bankinter's savings brand, but it does not replace the funding rails you need for exchanges. To buy BTC, you still fund the platform through SEPA transfer from your linked account, then execute the trade inside the platform.

Bankinter transferencia inmediata: when does it help, and when is it pointless?

It helps when the deposit route is SEPA Instant compatible and you need speed outside normal hours. It is pointless when the platform only accepts standard SEPA because the bank cannot force instant settlement onto a non instant route. Some EU platforms list both SEPA and SEPA Instant, but availability still depends on your bank and the selected funding provider.

Why does Bankinter sometimes block the first transferencia to a new exchange beneficiary?

It is usually a fraud control. New beneficiaries plus uncommon payment patterns can trigger a hold until you confirm the operation. Do a small test transfer, keep the beneficiary details exact, and avoid switching between multiple exchange IBANs in the same day.

What transfer limits matter most for Bankinter exchange deposits?

Your per operation limit and daily limit are the two that break most deposits. If the transfer fails instantly, it is often a limit or authentication issue rather than the platform rejecting the funds. Check your configured límites in the app before retrying, then resend once.

Can I use Bizum from Bankinter to pay for Bitcoin?

Generally no. Bizum is capped and designed for consumer transfers, while exchanges fund EUR wallets through SEPA. If you are buying crypto, treat Bizum as unrelated and use a transferencia bancaria instead.

Evidence & Verification

This page references 4 sources: Bankinter Transferencias, Banco de España Crypto Registry, Coinc Bankinter. Information was compiled from official sources and user reports.

Sources:

How we verify · Report an error

Information can change without notice. Always verify current policies directly with your bank and exchange before making transactions.