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Buy Bitcoin with Boursorama

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

Data from bank docs & AMF registers · How we verify · Report an error

Crypto-friendly online bank.

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

Boursorama doesn't sell crypto but is fast for transfers. SEPA Instant to an AMF-registered exchange often lands quicker than at traditional French banks.

  • [✗]

    Can you buy Bitcoin in the app?

    No, use an external exchange

  • [✓]

    Can you fund an exchange?

    Yes, using SEPA Instant

  • [›]

    Best funding method

    SEPA Instant

  • [!]

    Potential issue

    Card payments can be inconsistent

Top Exchanges for Boursorama

Step-by-step guide to buying Bitcoin with Boursorama

With Boursorama, a SEPA virement to an AMF registered exchange is usually fastest, especially with the right référence. Here is how to get started.

  1. Pick a PSAN-registered exchange
    Choose an AMF PSAN-registered exchange and use SEPA for the most stable funding.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity so EUR deposits are enabled.
  4. Get SEPA bank details and reference
    Copy the exchange IBAN, BIC, and reference from the SEPA deposit instructions.
  5. Send SEPA from the Boursorama app
    Open the Boursorama Banque app, go to Virements then Ajouter un bénéficiaire, add IBAN and BIC, then send the transfer; enter the reference exactly as shown.
  6. Wait for funds to arrive
    Standard SEPA is often 1 business day, while SEPA Instant can be seconds if enabled and supported by the recipient.
  7. Purchase Bitcoin
    Buy BTC once your EUR deposit clears.
  8. Secure your Bitcoin
    Withdraw BTC to a wallet if you want self custody.

[!] Troubleshooting

  • If you need speed, try SEPA Instant, but confirm the recipient bank supports Instant inbound, otherwise it falls back to standard SEPA.
  • If a card deposit fails, switch to bank transfer since card approvals can vary by merchant coding.
  • If a transfer is delayed, check that your transfer limit settings are not restricting the amount.

Frequently Asked Questions

Can I buy Bitcoin with Boursorama?

Yes. Boursorama does not sell Bitcoin in the bank app, but it is widely used for funding exchanges by SEPA transfer. Boursorama documents instant transfers that credit in under 10 seconds, and it can reduce limits when a beneficiary IBAN was recently added. For fewer issues, fund a PSAN registered exchange by bank transfer rather than card.

Why is my Boursorama virement instantané capped at 1,500 euros for a new beneficiary?

Boursorama states that instant transfers are allowed within a global daily ceiling, but the limit can drop to 1,500 euros if the beneficiary RIB was recently added. This is relevant for exchange deposits because your first IBAN add often counts as recent. If you need to send more, wait until the new beneficiary is established or use a classic SEPA transfer.

What is Boursorama's daily ceiling for instant transfers, and is it per account?

Boursorama explains a plafond global of 30,000 euros per day across all accounts, with a lower limit for recently added beneficiaries. If you are funding a large crypto purchase, plan around that total daily cap. For very large deposits, you may prefer classic SEPA transfers spread across days.

How do I adjust my Boursorama virement plafond before sending money to an exchange?

Boursorama states that each account has a default transfer plafond and you can modify it from the section that manages transfer ceilings. If you are hitting refusals, raise the plafond first, then retry a smaller test amount. This is usually quicker than repeatedly attempting the same transfer and triggering more security checks.

Do Boursorama Ultim or Metal cards make crypto purchases easier than a bank transfer?

Not necessarily. The Metal offering highlights that transfers, including instant transfers, are free, which is useful because SEPA deposits are more consistent than card checkout. Card deposits can still be refused due to merchant risk scoring, even on premium cards. If you want reliability, use a SEPA transfer to fund the exchange.

Boursorama transfer timing for exchange funding, what is realistic?

Instant transfers can credit in under 10 seconds when supported, but the exchange still needs to post the deposit. If instant is not available for that IBAN, a standard SEPA transfer follows bank business day settlement. The main delay for new users is often beneficiary setup rather than the transfer rail.

Evidence & Verification

This page references 4 sources: Boursorama Comment Virement Instantané, Boursorama Montant Maximum Virement, Boursorama Carte Metal. 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.