Buy Bitcoin with CaixaBank

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

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

SEPA transfers supported.

Crypto Compatibility Score: 76/100 (Good)

Score Breakdown:

  • Payment methods: 30/35 pts — fast deposit rails available
  • Bank transfer reliability: 17/25 pts
  • Limits: 12/20 pts
  • Cost: 10/10 pts
  • Evidence: 7/10 pts

Supported payment methods: sepa, sepa-instant

Last verified:

Quick Verdict

CaixaBank doesn't offer crypto. Use SEPA to fund a regulated Spanish exchange, card payments are often declined by fraud screening.

  • [✗]

    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

    Card purchases can be inconsistent

Top Exchanges for CaixaBank

Step-by-step guide to buying Bitcoin with CaixaBank

The easiest way to buy Bitcoin with CaixaBank is SEPA transferencia to a CNMV registered exchange, using the correct concepto. See the steps below.

  1. Pick a Banco de España registered exchange
    Choose a registered provider to reduce delays and rejected transfers.
  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 transfer deposit and copy IBAN, BIC, and any reference to include in concepto.
  5. Send transferencia in CaixaBankNow
    Open CaixaBankNow, go to Transfers then Transfer to an account, add the beneficiary, approve using CaixaBank Sign, and enter the concepto reference exactly.
  6. Wait for funds to arrive
    SEPA is often next business day; new beneficiaries can be delayed by approval steps.
  7. Purchase Bitcoin
    Buy BTC once credited.
  8. Secure your Bitcoin
    Withdraw BTC to a wallet if you want self custody.

[!] Troubleshooting

  • If a card deposit is declined, switch to SEPA transfer, as card approvals are more sensitive to fraud screening.
  • If a new beneficiary transfer fails, re-add the beneficiary and wait for any activation delay before sending.
  • If crediting is delayed, ensure the concepto includes the reference code without extra text.

Frequently Asked Questions

Can I buy Bitcoin with CaixaBank?

Yes. CaixaBank does not offer native Bitcoin trading inside CaixaBankNow, but you can fund exchanges by SEPA transferencia from the CaixaBank app or CaixaBankNow. Kraken and Coinbase are frequent choices for Spanish users. If card payments fail, switch to bank transfer and keep the beneficiary details exact.

What is the cleanest way to add an exchange as a beneficiary in CaixaBankNow?

Add the exchange IBAN as a new beneficiario, then approve the setup using CaixaBank's security flow (app confirmation or signing method configured on your account). Exchanges often provide a beneficiary name plus an IBAN and sometimes a concept or reference, so copy those fields exactly. After the first successful transfer, repeats are usually smoother.

Does CaixaBank support SEPA Instant, and is there a cap for crypto deposits?

CaixaBank supports transferencias inmediatas, which can help when an exchange accepts SEPA Instant. Even when instant is available, there can be a per transfer cap and your own configured límites. If you are funding an exchange that supports SEPA Instant, start with a test transfer to confirm instant routing works from your specific CaixaBank account.

Why does CaixaBank ask for extra verification on a first transfer to an exchange?

First time beneficiaries and large amounts are the usual triggers, especially when the beneficiary is a foreign IBAN or the name looks corporate rather than personal. CaixaBank also applies strong customer authentication, so you may need to approve the transfer inside the app before it leaves. If it still fails, reduce the amount, confirm the IBAN and beneficiary name, then retry once.

Do imagin accounts behave differently for exchange funding than regular CaixaBank accounts?

Imagin is CaixaBank's digital brand, so the experience is more app first, but the funding rails are still SEPA transfer. The main difference users notice is quicker setup inside the app and fewer branch dependent steps. For crypto deposits, the same rule applies: transfer in EUR to the exchange IBAN and avoid card reliance.

Is CaixaBank card buying a good idea for Bitcoin, or should I always do a transferencia?

If you want consistency, use transferencia. Card purchases can be declined by the bank or the platform, and they often trigger more friction on first use. A SEPA transfer to fund your EUR wallet on an exchange tends to clear more predictably once the beneficiary is saved.

Evidence & Verification

This page references 4 sources: CaixaBank Seguridad, Banco de España Crypto Registry, imagin CaixaBank. 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.