Buy Bitcoin with Fineco

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

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

Crypto-friendly online bank.

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

Fineco offers crypto exposure through trading products, but you can't withdraw actual coins. Use SEPA bonifico to fund a separate OAM-registered exchange if you want direct ownership.

  • [✓]

    Can you buy Bitcoin in the app?

    Yes, via crypto linked trading products

  • [✓]

    Can you fund an exchange?

    Yes, using SEPA Credit Transfer

  • [›]

    Best funding method

    SEPA Credit Transfer

  • [!]

    Potential issue

    Crypto exposure may be via derivatives, not coin withdrawals

Top Exchanges for Fineco

Step-by-step guide to buying Bitcoin with Fineco

Funding from Fineco usually means SEPA bonifico into an OAM registered exchange, with causale matching the deposit reference. Our walkthrough makes it simple.

  1. Decide: Fineco crypto features or an OAM-registered exchange
    Fineco can offer in-platform crypto exposure, while external exchanges can provide different pricing and wallet options.
  2. Create your account
    Set up Fineco and secure it, and create an exchange account if you use external funding.
  3. Complete identity verification
    Finish identity checks so trading and deposits are enabled.
  4. Get bonifico details if funding externally
    If using an external exchange, copy IBAN, BIC, and the causale reference from the SEPA deposit instructions.
  5. Buy in Fineco or send bonifico in the Fineco app
    For in-platform buying, use the Fineco crypto section and confirm the trade; for external funding, go to Bonifico, add the beneficiary, and include the reference in causale.
  6. Wait for funds to arrive
    In-platform purchases are confirmed after execution; external bonifico SEPA is often next business day, with possible extra checks on first time beneficiaries.
  7. Purchase Bitcoin
    Buy BTC in Fineco or on the external platform once funds arrive.
  8. Secure your Bitcoin
    If you need wallet withdrawals, confirm whether your chosen route supports withdrawals to an external wallet.

[!] Troubleshooting

  • If you bought "crypto" inside Fineco and cannot withdraw coins, that is expected for many Fineco crypto exposures. Use an external exchange if you need on-chain withdrawals.
  • For external funding, use SEPA bonifico and keep the causale reference exact.
  • If a bonifico is delayed, start with a smaller test payment to clear checks.

Frequently Asked Questions

Can you buy Bitcoin with Fineco?

Yes, but it depends what you mean by buy. Fineco offers crypto linked instruments through its Fineco Crypto offering, while funding an external crypto exchange is still done by SEPA bonifico from the Fineco app. If you want withdrawable Bitcoin to your own wallet, an exchange account is usually the better fit. Fineco's bonifico flow is under Conto e carte, then Bonifici.

What is Fineco's per transfer limit when sending money to a crypto exchange?

Fineco's help centre states a maximum of €50,000 per bonifico, with higher amounts requiring customer care. If you hit a cap, split the funding into multiple transfers. A small test transfer first can also reduce delays when you add a new beneficiary.

Does Fineco support bonifico istantaneo for faster exchange deposits?

Yes, Fineco supports bonifico istantaneo when the destination supports SEPA Instant. Fineco has communicated that the scheme cap can go up to €100,000, while still allowing the bank to apply lower limits per customer and per profile. If instant is not available for the destination, standard SEPA is the fallback.

Where in the Fineco app do I add an exchange as a beneficiary and include the deposit reference?

In Fineco's guide the bonifico flow sits under Conto e carte, then Bonifici, where you enter the beneficiary IBAN and name. Paste the deposit reference in the causale exactly as shown, because many exchanges use that string to match deposits. Save the beneficiary after the first successful transfer so you can reuse it.

If Fineco offers crypto linked products, why do many users still fund an external exchange?

Because crypto linked instruments and spot Bitcoin custody are not the same thing. Fineco Crypto is positioned around trading instruments with crypto underlyings, while an exchange account is designed for spot buys, withdrawals and on chain transfers. If self custody matters, use Fineco as the EUR rail and do the Bitcoin purchase on the exchange.

Does Fineco ever slow down the first transfer to a new exchange IBAN?

It can, especially if you start with a large amount. The safer pattern is a small test bonifico first, then scale. If you need the transfer to land instantly, try bonifico istantaneo after the beneficiary is proven and your profile limits allow it.

Evidence & Verification

This page references 4 sources: Fineco Crypto, Fineco Bonifici Help, OAM Crypto Register. 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.