Hello bank! logo

Buy Bitcoin with Hello bank!

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

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

Digital-friendly, allows transfers.

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

Hello bank! doesn't offer crypto. As a BNP subsidiary, expect Clé Digitale checks when adding new beneficiaries for SEPA transfers to regulated exchanges.

  • [✗]

    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

    New beneficiary may trigger Clé Digitale checks

Top Exchanges for Hello bank!

Step-by-step guide to buying Bitcoin with Hello bank!

Hello bank! works best when you send a SEPA virement to an AMF registered exchange and include the exact référence. See the steps below.

  1. Pick a PSAN-registered exchange
    Choose an AMF PSAN-registered exchange to reduce transfer friction from Hello bank!.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity so EUR deposits are enabled.
  4. Copy SEPA deposit details
    In deposits, select Virement SEPA and copy IBAN, BIC, and the reference to include in the transfer label.
  5. Send a virement and validate with Clé Digitale
    Open the Hello bank! app, go to Virements then Ajouter un bénéficiaire, enter IBAN and BIC, validate with Clé Digitale, then send with the exact reference.
  6. Wait for funds to arrive
    SEPA is often next business day; first payments to new beneficiaries can be delayed by beneficiary activation steps.
  7. Purchase Bitcoin
    Buy BTC once the deposit clears.
  8. Secure your Bitcoin
    Withdraw BTC to a wallet if holding long term.

[!] Troubleshooting

  • If a new beneficiary transfer fails, expect BNP-style security checks. Approve beneficiary setup with Clé Digitale, then retry.
  • If crediting is delayed, verify the reference code is present in the transfer label.
  • If you need speed, try SEPA Instant only if the recipient bank supports it.

Frequently Asked Questions

Can you buy Bitcoin with Hello bank!?

Yes. Hello bank! does not sell Bitcoin in app, but you can fund a crypto exchange using a SEPA transfer from the Hello bank! app. Hello bank! supports SEPA Instant transfers, which can help when the exchange IBAN can receive SCT Inst. If you want fewer declines, use a bank transfer instead of card checkout and prefer PSAN registered exchanges (for example Coinbase or Bitstamp).

Does activating Hello bank! Clé Digitale change my transfer limits and beneficiary setup?

Yes. Hello bank! states that online transfers to third parties have a daily ceiling, and it specifically mentions that activating Clé Digitale helps you increase that plafond. Clé Digitale is also positioned as a way to add beneficiaries immediately and validate 3D Secure style actions. If you are funding an exchange for the first time, enabling Clé Digitale usually reduces friction.

Where is SEPA Instant in the Hello bank! app when I am trying to deposit EUR to an exchange?

Hello bank! documents a clear path: in the app go to Paiements, then Faire un virement, then select the instant SEPA option if it is available for that recipient. If the instant option is missing, it usually means you are above your plafond or the recipient bank cannot receive SCT Inst. In that case, send a classic SEPA transfer.

Why does Hello bank! not show the instant option for my exchange deposit IBAN?

Hello bank! notes that if the amount exceeds the plafond set by the bank, the instant option is not proposed. It can also happen if the recipient bank cannot receive instant transfers for that account. Reduce the amount and retry once, or send a standard SEPA transfer.

How long do Hello bank! transfers take to reach a crypto exchange?

If SEPA Instant is supported and you are within your plafond, the transfer is designed to credit quickly, but the exchange still needs to post it. If you use classic SEPA, settlement follows bank business day timing. The first deposit is often slower because beneficiary setup and Clé Digitale activation still need to be completed.

Does Hello bank! allow card purchases on crypto platforms, or is SEPA better?

SEPA is usually the better path for reliability. Card payments can be declined due to merchant risk controls, while a SEPA virement is a standard transfer flow. If you want repeatable deposits, fund the exchange using a bank transfer and keep the beneficiary saved.

Evidence & Verification

This page references 4 sources: Hello bank! FAQ Virement SEPA Instantané, Hello bank! FAQ Plafonds Virements, Hello bank! FAQ Clé Digitale. 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.