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Buy Bitcoin with Commerzbank

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

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

Generally allows crypto transfers.

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

No crypto at Commerzbank. SEPA to a regulated German exchange works once your recipient is active, first transfers can be slowed by activation and photoTAN prompts.

  • [✗]

    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

    First transfer to new recipient may be delayed

Top Exchanges for Commerzbank

Step-by-step guide to buying Bitcoin with Commerzbank

Most Commerzbank users fund a regulated exchange using SEPA Überweisung, with Empfänger set up correctly. Follow our guide below.

  1. Pick a BaFin-licensed exchange
    Use a BaFin-licensed or properly registered platform to reduce transfer friction.
  2. Create your exchange account
    Register and secure the account with two factor authentication.
  3. Complete identity verification
    Verify identity so EUR deposits are enabled.
  4. Get SEPA details and reference
    Copy IBAN, BIC, and your Verwendungszweck from the SEPA deposit instructions.
  5. Send the Überweisung in the Commerzbank app
    Open the Commerzbank app, go to Transfers then Bank transfer, add the Empfänger if needed, and approve using photoTAN; enter the Verwendungszweck exactly.
  6. Wait for funds to arrive
    SEPA is often 1 business day, but a new Empfänger can trigger a short delay.
  7. Purchase Bitcoin
    Buy BTC once credited.
  8. Secure your Bitcoin
    Move BTC to a wallet if you plan to hold long term.

[!] Troubleshooting

  • If the first transfer is delayed, complete the recipient activation steps and photoTAN prompt before retrying.
  • If a payment is rejected, confirm the IBAN and reference code formatting, as the app can strip special characters.
  • If limits block you, raise Tageslimit in settings before attempting a larger deposit.

Frequently Asked Questions

Does Commerzbank let you buy Bitcoin?

Yes. Commerzbank does not sell Bitcoin directly in its banking app, but SEPA transfers from the Commerzbank Banking App can fund most major exchanges. Bank transfer is usually the highest success path, especially for first deposits. Some users fund German and EU regulated venues, while others use global platforms like Bitpanda or Binance depending on their needs.

How do I send a SEPA transfer to a crypto exchange from the Commerzbank app without a return?

Create the recipient using the IBAN from the exchange deposit instructions and match the beneficiary name exactly. If the exchange requires a reference, enter it as provided and do not add extra words. Reference errors are one of the most common reasons a deposit is delayed or returned.

Is Commerzbank Echtzeit Ueberweisung worth using for crypto deposits?

Yes, when the exchange supports SEPA Instant for that EUR route. If Instant is not supported on the receiving side, you will only see standard SEPA options and timing. Confirm Instant support on the exchange deposit method first, then select Instant in your bank only if it is explicitly supported.

Where is the Commerzbank Ueberweisungslimit setting and why does it matter for staged deposits?

Commerzbank lets you manage transfer limits in online banking and the app. If you plan to fund in two or three payments, check the Tageslimit before sending the first transfer, because the second transfer can fail simply due to limits. Limit changes may require photoTAN approval.

Why does Commerzbank sometimes hold the first transfer to a new exchange recipient?

New recipient transfers can face extra screening, especially if the amount is large or the recipient bank is unfamiliar. That is common scam prevention logic, not a crypto-only rule. A small first transfer followed by the main deposit is usually the quickest way through.

Is Commerzbank card funding reliable for crypto, or should I stick to SEPA?

SEPA is usually more predictable. Card transactions can be declined based on issuer checks and merchant categories, while SEPA transfers give you explicit fields you can verify. Use cards as a backup for small amounts, not as your default route.

Evidence & Verification

This page references 4 sources: Commerzbank photoTAN, Commerzbank Ueberweisungslimit, Bitpanda SEPA Reference. 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.