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Buy Bitcoin with Caisse d'Epargne

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

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

Generally crypto-friendly for 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

Caisse d'Épargne doesn't sell crypto. SEPA transfers work, but new beneficiaries are time-locked before you can send, plan a day or two ahead.

  • [✗]

    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

    New beneficiary time lock plus Sécur'Pass

Top Exchanges for Caisse d'Epargne

Step-by-step guide to buying Bitcoin with Caisse d'Epargne

Caisse d'Épargne works best when you add the bénéficiaire, then send a SEPA virement to an AMF registered exchange. Use the steps below to begin.

  1. Pick a PSAN-registered exchange
    Choose an AMF PSAN-registered exchange to reduce transfer holds and returns.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity so EUR deposits are enabled.
  4. Copy SEPA bank details and reference
    In deposits, select Virement SEPA and copy IBAN, BIC, and the reference to include in the libellé.
  5. Send a virement in Direct Ecureuil
    Open Direct Ecureuil, go to Virements then Ajouter un bénéficiaire, add IBAN and BIC, approve with Sécur'Pass, then send with the exact reference.
  6. Wait for funds to arrive
    Standard SEPA often lands next business day; new beneficiaries can be time locked before the first payment is allowed.
  7. Purchase Bitcoin
    Buy BTC once your EUR is credited.
  8. Secure your Bitcoin
    Withdraw BTC to a wallet if holding long term.

[!] Troubleshooting

  • If you cannot pay a new beneficiary, complete Sécur'Pass validation and expect a time lock before first payment.
  • If your transfer is pending, avoid editing the beneficiary record mid-transfer, which can cause rejection.
  • If funds are not credited, confirm the reference code is in the motif and not truncated.

Frequently Asked Questions

Can I buy Bitcoin with Caisse d'Épargne?

Yes. Caisse d'Épargne does not sell Bitcoin inside Direct Ecureuil, but you can fund an exchange with a SEPA transfer and buy BTC there. If you need speed, Caisse d'Épargne offers virement SEPA instantané from the app, and the bank notes classic SEPA transfers usually take 1 to 2 business days. Expect an approval step with Sécur'Pass on sensitive actions.

How do I validate a new exchange beneficiary with Sécur'Pass at Caisse d'Épargne?

Sécur'Pass is the in app strong authentication used to approve actions like adding a beneficiary and sending transfers. Caisse d'Épargne lists beneficiary addition and external transfers as operations covered by Sécur'Pass. If your first transfer to an exchange keeps failing, verify Sécur'Pass is active and tied to the phone on your profile.

Is Caisse d'Épargne virement instantané always free, and does it matter for crypto deposits?

Not always. Caisse d'Épargne indicates instant SEPA can be free up to a small amount, with pricing depending on the offer, while it still delivers funds in seconds when supported. For crypto deposits, the benefit is speed, but only if the exchange IBAN can receive SCT Inst. If instant is not offered, use a standard SEPA transfer.

Where do I find the instant transfer option in the Caisse d'Épargne app?

Caisse d'Épargne's help flow describes choosing the transfer type and selecting the speed option before confirming. You then validate with your Sécur'Pass code or an SMS code depending on your setup. That same flow applies whether you are paying a person or funding a crypto exchange.

How long does a standard SEPA virement from Caisse d'Épargne take to reach an exchange?

Caisse d'Épargne states that classic SEPA transfers between banks generally settle in 1 to 2 business days. Exchanges can add their own posting time, so the first deposit may not credit instantly even when the transfer is sent. If you need immediate funding, try SCT Inst with a small test amount first.

What limits can block a crypto deposit from Caisse d'Épargne?

Your configured plafond for external transfers is the main constraint, and it can be tighter for newly added beneficiaries. If you hit the limit, reduce the amount or adjust ceilings in the app before retrying. Avoid firing multiple failed attempts, because that can amplify fraud scoring.

Evidence & Verification

This page references 4 sources: Caisse d'Épargne SEPA Instantané, Caisse d'Épargne Sécur'Pass, Caisse d'Épargne FAQ Virement Instantané. 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.