Buy Bitcoin with HypoVereinsbank

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

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

SEPA transfers generally allowed.

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

HVB doesn't sell crypto and is strict with new recipients. Start with a smaller test transfer to a BaFin-registered exchange, limits are conservative until your profile builds history.

  • [✗]

    Can you buy Bitcoin in the app?

    No, use an external exchange

  • [✓]

    Can you fund an exchange?

    Yes, but with restrictions

  • [›]

    Best funding method

    SEPA Credit Transfer

  • [!]

    Potential issue

    Strict verification for new recipients

Top Exchanges for HypoVereinsbank

Step-by-step guide to buying Bitcoin with HypoVereinsbank

With HypoVereinsbank, SEPA Ãœberweisung to a BaFin licensed exchange is the standard EUR path. See the steps below.

  1. Pick a BaFin-licensed exchange
    Choose a BaFin-licensed provider and avoid unknown platforms that trigger reviews.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity to enable EUR deposits.
  4. Copy IBAN, BIC, and Verwendungszweck
    Get IBAN, BIC, and Verwendungszweck from the SEPA deposit instructions.
  5. Send SEPA in HVB Mobile Banking
    Open HVB Mobile Banking, go to Transfers then Bank transfer, add the Empfänger, and approve with the HVB security method; enter the Verwendungszweck exactly.
  6. Wait for funds to arrive
    SEPA usually takes 1 business day, and new recipients can add delays due to stricter verification.
  7. Purchase Bitcoin
    Buy BTC once credited.
  8. Secure your Bitcoin
    Withdraw to a wallet if you want self custody.

[!] Troubleshooting

  • If the first transfer is held, HVB can be strict with new recipients. Start with a small test transfer to build history.
  • If you see repeated declines, verify your recipient details and confirm the 2FA prompt fully completed.
  • If limits are conservative, request a higher Tageslimit before attempting larger funding.

Frequently Asked Questions

Does HypoVereinsbank allow Bitcoin purchases?

Yes indirectly. HVB does not sell Bitcoin inside HVB Mobile Banking, but SEPA transfers from an HVB Girokonto can fund most major exchanges. Many users fund Bitpanda or Kraken, while others use Binance depending on the assets they want. Transfers are approved using the SecurePlus app, and first time recipients can trigger extra screening.

How do I avoid SecurePlus approval issues when sending from HVB to an exchange IBAN?

SecurePlus must be paired correctly to your banking login and push notifications should be enabled so you do not miss the approval prompt. If SecurePlus is not active, the transfer can fail even if the beneficiary details are correct. Verify SecurePlus first, then redo the transfer.

Does HVB support Echtzeit Ueberweisung for crypto funding?

HVB can support Instant transfers depending on account setup, but Instant only works if the receiving account supports SEPA Instant too. If Instant is offered for your deposit method, it is the fastest way to move EUR to an exchange that can credit quickly. If it is not offered, standard SEPA timing applies.

HVB transfer limits for exchange deposits, where do I check before sending a large amount?

Check your configured Tageslimit and any recipient based restrictions inside HVB online banking. Large first payments to a new beneficiary are the most likely to be paused. If you need to move more than your daily limit, split across days and avoid repeated failed attempts.

Why can an exchange deposit be delayed even when I used the right IBAN from HVB?

The delay is often deposit assignment rather than IBAN routing. Many platforms require a payment reference to assign the incoming SEPA transfer to your account. If the reference is missing or wrong, crediting can be delayed even though the transfer arrived.

Is an HVB debit or credit card a good way to buy crypto, or should I stick to SEPA?

Stick to SEPA for predictability. Card deposits can be declined based on issuer checks, while SEPA transfers follow a clearer rule set and are easier to troubleshoot. If your goal is repeat deposits with fewer surprises, SEPA is the better default.

Evidence & Verification

This page references 4 sources: Verbraucherzentrale Instant Payments, Bitpanda SEPA Reference, Bitpanda Cash Deposits. 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.