Buy Bitcoin with ING Italia

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

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

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

ING Italia doesn't sell crypto. Standard SEPA to a regulated exchange works well; SEPA Instant is faster but may carry a fee depending on your account.

  • [✗]

    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

    SEPA Instant may carry a fee

Top Exchanges for ING Italia

Step-by-step guide to buying Bitcoin with ING Italia

ING Italia works best when you send SEPA bonifico to an OAM registered exchange and include the exact causale. See the steps below.

  1. Pick an OAM-registered exchange
    Choose an OAM-registered exchange to reduce bonifico friction from ING Italia.
  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, BIC, and causale
    Select Bonifico SEPA deposit and copy the IBAN, BIC, and reference for the causale.
  5. Send bonifico in the ING app
    Open the ING app, go to Bonifici, add the beneficiary, approve with ING Access or app security, and include the reference in causale.
  6. Wait for funds to arrive
    Standard bonifico SEPA is often next business day; bonifico istantaneo can be seconds when enabled, but fees can apply.
  7. Purchase Bitcoin
    Buy BTC once credited.
  8. Secure your Bitcoin
    Withdraw BTC to a wallet if holding long term.

[!] Troubleshooting

  • If SEPA Instant is offered but costs extra, switch to standard SEPA bonifico and plan for 1 business day.
  • If a transfer is blocked, check your daily limits in-app and raise them ahead of time.
  • Keep the causale clean with the reference code only to avoid posting delays.

Frequently Asked Questions

Can you buy Bitcoin with ING Italia?

Yes. ING does not sell spot Bitcoin in the ING Italia app, but Conto Corrente Arancio can fund a crypto exchange through SEPA bonifico, including SEPA Instant where the destination supports it. ING also lets you set your own daily bonifico limit in app, which matters if you are depositing to an exchange. For fewer local compliance questions, check the provider on Italy's OAM register.

How do I increase the ING Italia bonifico limit for a larger exchange deposit?

ING states there is no fixed maximum amount, because you choose the daily limit from the app or website. The daily limit is pre set to €2,000 and you can change it as often as you want, with the new limit active after 4 hours. Increase the limit first, then send a small test transfer before scaling up.

Does ING Italia treat SEPA Instant and standard SEPA transfers under the same daily limit?

Yes. ING states the daily limit applies to both standard SEPA and SEPA Instant and is cumulative. That means an earlier standard transfer can reduce what is left for an instant top up later the same day. Track the running total if you plan multiple deposits.

If I have more than one Conto Corrente Arancio, do I get multiple limits for exchange funding?

No. ING explains the daily limit is unique across all current accounts you hold and it is cumulative. Splitting deposits across two ING accounts does not double your daily cap. If you need more room, raise the daily limit.

Is ING Italia good for instant exchange deposits or will it still take a business day?

If the exchange deposit account supports SEPA Instant, an instant bonifico is designed to land immediately. If the destination does not support it, you are back to standard SEPA timing, which usually settles on working days. The key factor is the destination bank account, not just ING.

Why did my ING card payment fail on a crypto platform even though my bank transfer works?

Cards and bank transfers are screened differently. A SEPA bonifico is a named IBAN payment with a clear beneficiary, while card payments depend on merchant category and issuer controls that can reject crypto merchants more often. If your goal is fewer failures, use bonifico as the main rail.

Evidence & Verification

This page references 4 sources: ING Italia Bonifico Limits, OAM Crypto Register, OAM Virtual Asset Operators. 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.