Buy Bitcoin with BPER Banca

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

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

Allows SEPA transfers.

Crypto Compatibility Score: 55/100 (Fair)

Score Breakdown:

  • Payment methods: 10/35 pts
  • Bank transfer reliability: 17/25 pts
  • Limits: 12/20 pts
  • Cost: 8/10 pts
  • Evidence: 7/10 pts
  • Minimum floor applied (55 pts)

Supported payment methods: sepa

Last verified:

Quick Verdict

BPER doesn't sell crypto. SEPA to an OAM-registered exchange works once your beneficiary is approved, extra security checks on first transfers are common.

  • [✗]

    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

    Extra security checks on first transfer

Top Exchanges for BPER Banca

Step-by-step guide to buying Bitcoin with BPER Banca

With BPER Banca, the typical route is SEPA bonifico to an OAM registered exchange after adding the beneficiario. Here is a quick walkthrough.

  1. Pick an OAM-registered exchange
    Choose an OAM-registered exchange for smoother bonifico deposits from BPER.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity so EUR deposits are enabled.
  4. Get bonifico bank details
    Copy IBAN, BIC, and the causale reference from the exchange deposit instructions.
  5. Send bonifico in BPER Smart Mobile
    Open BPER Smart Mobile, go to Bonifici then Nuovo beneficiario, add IBAN and BIC, approve with the app security, and include the reference in causale.
  6. Wait for funds to arrive
    Bonifico SEPA is often next business day; first time payments to new beneficiaries can be delayed by checks.
  7. Purchase Bitcoin
    Buy BTC once credited.
  8. Secure your Bitcoin
    Move BTC to a wallet if holding long term.

[!] Troubleshooting

  • If the first bonifico is delayed, expect extra security checks for new beneficiaries. Send a smaller test payment first.
  • If a transfer is rejected, re-add the beneficiary and confirm the IBAN again, as edits can cause failures.
  • Keep the causale short but exact with the reference code.

Frequently Asked Questions

Can you buy Bitcoin with BPER Banca?

Yes. BPER does not sell Bitcoin inside its banking app, but you can fund a crypto exchange using SEPA bonifico from Smart Mobile Banking or internet banking. If you need speed and the destination supports it, BPER offers bonifico istantaneo through the same channels. For smoother processing, check the provider on Italy's OAM register.

What is the bonifico istantaneo limit at BPER when funding an exchange?

BPER's material for instant transfers highlights a €5,000 per transaction cap for bonifico istantaneo. Standard SEPA bonifico limits can be higher depending on your account settings. If you are moving more than €5,000 and the exchange cannot accept multiple instants, use a standard SEPA bonifico and plan around business days.

How do I send a bonifico from the BPER app without retyping IBAN details every time?

Use the saved beneficiary flow inside the bonifico menu so the exchange IBAN becomes a stored recipient. BPER's help content shows both bonifico ordinario and istantaneo are created from the same bonifico section, which is where you add or reuse a beneficiary. Once saved, you mainly update amount and causale reference.

Why did BPER ask for extra confirmation on my first transfer to an exchange?

First time beneficiaries often trigger stronger authentication, especially on faster rails like SEPA Instant. Expect extra prompts when you send to a new IBAN. After a successful test transfer, follow up payments usually complete with fewer checks.

Is it better to use bonifico ordinario or bonifico istantaneo from BPER for crypto deposits?

If you are depositing up to €5,000 and the exchange accepts SEPA Instant, use bonifico istantaneo for speed. For larger deposits, standard SEPA bonifico avoids the instant cap and still settles quickly on business days. Many buyers use instant for smaller top ups and standard SEPA for larger moves.

Are BPER card payments a reliable way to fund a crypto platform?

Usually less reliable than bank transfer. BPER's digital banking documentation focuses on bonifico flows as the supported payment mechanism. Card acceptance depends on the platform's merchant setup and issuer risk rules and can be inconsistent. If you want predictable settlement, treat SEPA bonifico as the default.

Evidence & Verification

This page references 4 sources: BPER Online Payments FAQ, OAM Crypto Register, BPER Instant Transfer Infographic. Information was compiled from official sources and user reports.

Sources:

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