Buy Bitcoin with CIC

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

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

Allows crypto transfers.

Supported payment methods: sepa, sepa-instant

Last verified: Jan 28, 2026

Top Exchanges for CIC

• Bybit
• Kraken
• Coinhouse

Step-by-step guide to buying Bitcoin with CIC

Most CIC customers buy Bitcoin by adding a bénéficiaire and sending a SEPA virement to an AMF registered exchange. Get started in minutes.

1. Pick a PSAN-registered exchange
   Use an AMF PSAN-registered exchange for smoother SEPA deposits from CIC.
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, BIC, and reference
   In deposits, select Virement SEPA and copy IBAN, BIC, and the reference for the libellé.
5. Send a virement in Filbanque
   Open Filbanque, go to Virements then Ajouter un bénéficiaire, add IBAN and BIC, validate with Confirmation Mobile, then send the virement with the exact reference.
6. Wait for funds to arrive
   Standard SEPA often lands next business day; first payments to new beneficiaries may be delayed.
7. Purchase Bitcoin
   Buy BTC once your deposit is credited.
8. Secure your Bitcoin
   Move BTC to a personal wallet if holding long term.

Frequently Asked Questions

Can you buy Bitcoin with CIC?

Yes. CIC does not offer a Bitcoin buy feature in Filbanque, but you can fund an exchange using a SEPA transfer and trade there. CIC supports virement instantané in its services, which can help when the exchange deposit IBAN can receive instant payments. First deposits can trigger Confirmation Mobile validation, so keep your phone handy.

What is CIC's limit for virement instantané and how does it affect crypto deposits?

CIC states that a European regulatory ceiling sets instant transfers up to 100,000 euros per operation, while each bank can apply a lower limit. If you cannot send the amount you want instantly, lower the amount or send a standard SEPA transfer instead. For large crypto buys, a normal SEPA transfer is often simpler and still reliable.

How do I pass the Confirmation Mobile step at CIC when funding an exchange?

Confirmation Mobile is CIC's in app approval for sensitive operations, including actions tied to beneficiaries and payments. CIC explains you can manage the service from Profil et Sécurité in your online space. If the prompt never appears, your transfer may not complete even though the IBAN is correct.

Does CIC require any special setup before sending a first SEPA transfer to an exchange?

The key setup is beneficiary creation and security validation. Add the exchange IBAN, complete any Confirmation Mobile approval, then send a small test transfer. Once it credits, repeat deposits tend to be smoother because the beneficiary is already trusted.

CIC transfer speed for exchange funding, instant vs classic SEPA

CIC's instant transfer is designed to credit in seconds when supported by the recipient bank. If the exchange IBAN cannot receive SCT Inst, your payment will use classic SEPA timing. When timing matters, confirm the exchange deposit page explicitly supports SEPA Instant.

Are CIC card purchases of crypto as reliable as bank transfers?

Usually not. Card payments can be declined due to risk scoring, while a SEPA transfer is a standard banking flow. If you want repeatable deposits, the bank transfer route is typically more dependable.

Evidence & Verification

This page references 4 sources: CIC Virement Instantané, CIC Confirmation Mobile, CIC FAQ Virements. Information was compiled from official sources and user reports.

Sources:

• CIC Virement Instantané
• CIC Confirmation Mobile
• CIC FAQ Virements
• AMF DASP Registration

How we verify · Report an error

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