Buy Bitcoin with DKB

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

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

Generally crypto-friendly.

Crypto Compatibility Score: 82/100 (Excellent)

Score Breakdown:

  • Payment methods: 30/35 pts — fast deposit rails available
  • Bank transfer reliability: 23/25 pts
  • Limits: 12/20 pts
  • Cost: 10/10 pts
  • Evidence: 7/10 pts

Supported payment methods: sepa, sepa-instant

Last verified:

Quick Verdict

DKB doesn't offer crypto. SEPA to a regulated exchange works via Tan2go, check your Tageslimit first, as it may block larger deposits until increased.

  • [✗]

    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

    Tageslimit settings may block larger transfers

Top Exchanges for DKB

Step-by-step guide to buying Bitcoin with DKB

Funding from DKB usually means SEPA Überweisung into a BaFin licensed exchange, with Empfänger approved first. Our walkthrough makes it simple.

  1. Pick a BaFin-licensed exchange
    Use a BaFin-licensed provider to reduce transfer friction from DKB.
  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 Verwendungszweck
    Copy the exchange IBAN, BIC, and Verwendungszweck reference from the deposit screen.
  5. Send SEPA in the DKB app
    Open the DKB app, go to Ueberweisung, add the Empfänger, and approve using TAN2go; check your Tageslimit if the payment fails.
  6. Wait for funds to arrive
    Standard SEPA is often 1 business day; first transfers to a new Empfänger can be slowed by checks.
  7. Purchase Bitcoin
    Buy BTC once credited.
  8. Secure your Bitcoin
    Withdraw BTC to a wallet if holding long term.

[!] Troubleshooting

  • If a transfer is blocked, check your Tageslimit in DKB settings and increase it before retrying.
  • If Tan2go prompts do not arrive, re-pair the device and retry after a few minutes rather than spamming attempts.
  • If the reference is missing, re-send with the correct Verwendungszweck since mismatches delay crediting.

Frequently Asked Questions

Can you buy Bitcoin with DKB?

Yes. DKB does not offer native Bitcoin trading in DKB Banking, but SEPA transfers from a DKB account are widely used for funding exchanges. Many users fund Kraken or Bitpanda, and some prefer German EUR venues like BSDEX. Approvals run through TAN2go, so make sure it is working before you attempt a first transfer.

How do I avoid DKB TAN2go setup issues when sending to an exchange IBAN?

Make sure TAN2go is registered and working before you create the recipient, because DKB requires it to approve both recipient changes and transfers. If TAN2go breaks after a phone change, outgoing transfers can fail even though the account is fine. Fix TAN2go first, then retry the payment.

Does DKB support Echtzeit Ueberweisung for crypto deposits?

Instant depends on whether the receiving bank account supports SEPA Instant for that recipient. If Instant is supported on both sides, it can credit far faster than standard SEPA. If you do not see Instant, use standard SEPA and focus on correct deposit details.

Where do I change the DKB Ueberweisungslimit before a large crypto deposit?

DKB lets you manage transfer limits in its banking settings. Hitting the daily limit is a common reason a second transfer fails when funding in stages. Adjust the limit before sending and avoid repeated failed attempts.

Why do DKB SEPA deposits sometimes land next day even when Instant exists?

Instant requires both ends to support it, and some banks restrict Instant for certain recipients. If Instant is not available for your deposit method, you will fall back to standard SEPA timing. The best way to reduce delays is clean recipient setup and correct reference usage.

DKB Visa card deposits for crypto, do they work consistently?

They can work, but they are less predictable than SEPA. Card purchases can be declined based on issuer checks, while SEPA transfers are easier to reconcile because IBAN and reference rules are explicit. Use SEPA as your default and card only when you accept higher decline risk.

Evidence & Verification

This page references 4 sources: DKB TAN2go, Verbraucherzentrale Instant Payments, DKB Ueberweisungslimit. 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.