Buy Bitcoin with Credem

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

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

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

Credem doesn't sell crypto. SEPA bonifico to a licensed Italian exchange works, check your massimali limits, which can be conservative on some profiles.

  • [✗]

    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

    Conservative massimali on some profiles

Top Exchanges for Credem

Step-by-step guide to buying Bitcoin with Credem

Most Credem users fund a regulated exchange using SEPA bonifico, with beneficiario and causale entered precisely. Get started in minutes.

  1. Pick an OAM-registered exchange
    Choose an OAM-registered exchange for smoother bonifico deposits from Credem.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity before depositing.
  4. Get bonifico details and causale reference
    Copy IBAN, BIC, and the causale reference code from the exchange deposit page.
  5. Send bonifico in the Credem app
    Open the Credem app, go to Bonifici then Nuovo, add the beneficiary IBAN, approve, and check massimali settings if your transfer is rejected.
  6. Wait for funds to arrive
    Bonifico SEPA often posts next business day; first time beneficiaries can be delayed by extra checks.
  7. Purchase Bitcoin
    Buy BTC once credited.
  8. Secure your Bitcoin
    Move BTC to a personal wallet if holding long term.

[!] Troubleshooting

  • If your deposit is blocked, check massimali. Some Credem profiles have conservative per-transfer limits that need updating.
  • If a transfer is delayed, complete app authentication steps and avoid repeated retries.
  • If crediting is slow, verify the reference code was included in the causale without extra symbols.

Frequently Asked Questions

Can you buy Bitcoin with Credem?

Yes. Credem does not sell spot Bitcoin inside Credem Mobile Banking, but you can fund a crypto exchange using SEPA bonifico or bonifico istantaneo from the Credem app or internet banking. Bonifico istantaneo is designed for real time euro transfers when the destination supports SEPA Instant. For fewer bank side questions, check the provider on the OAM register.

Where do I check Credem instant transfer limits before depositing to an exchange?

Credem can apply profile based limits and additional checks for first time beneficiaries, so the safest step is to review the limits shown during the bonifico flow in app. If you are moving size, run a small test bonifico first, then scale once the beneficiary is proven.

Does Credem require extra security steps for exchange funding in the app?

Yes. Credem uses strong customer authentication for payments and you can see additional confirmation steps when you add a new beneficiary or send an instant transfer. If you recently changed device or re installed the app, expect stricter prompts until the profile is re established. This applies to any new beneficiary IBAN, including exchanges.

How do I send a bonifico from Credem without beneficiary name mistakes?

Use the exact beneficiary data provided by the exchange deposit screen, including the legal entity name. Many exchanges show a beneficiary name that does not match the brand name and mismatches can trigger warnings or returns. Save the beneficiary after the first successful transfer so you are not retyping it every time.

Is Credem faster with standard SEPA bonifico or bonifico istantaneo for crypto deposits?

Instant is the speed option when the exchange supports SEPA Instant. Standard SEPA usually lands on the next working day, so timing depends on cut offs and bank days. For urgent buys, instant is usually the better choice when available.

Does Credem allow card purchases of crypto or is bank transfer safer?

Bank transfer is usually safer for reliability because it is a named SEPA payment with clear beneficiary information. Card purchases can be declined based on issuer risk rules and the merchant setup used by the platform. If you want fewer failures, use bonifico and buy inside the exchange.

Evidence & Verification

This page references 4 sources: Credem Bonifico Istantaneo, OAM Crypto Register, Credem Bonifici Guide. 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.