Buy Bitcoin with Kutxabank

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

Data from bank docs & Bank of Spain registers · How we verify · Report an error

SEPA transfers work.

Crypto Compatibility Score: 55/100 (Fair)

Score Breakdown:

  • Payment methods: 10/35 pts
  • Bank transfer reliability: 17/25 pts
  • Limits: 12/20 pts
  • Cost: 8/10 pts
  • Evidence: 7/10 pts
  • Minimum floor applied (55 pts)

Supported payment methods: sepa

Last verified:

Quick Verdict

No in-app crypto at Kutxabank. SEPA to a regulated exchange works, but the bank is conservative with new beneficiaries, allow extra time for first-time payments.

  • [✗]

    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

    Conservative checks on new beneficiaries

Top Exchanges for Kutxabank

Step-by-step guide to buying Bitcoin with Kutxabank

Funding from Kutxabank usually means SEPA transferencia into a CNMV registered exchange, with beneficiario details verified first. Our walkthrough makes it simple.

  1. Pick a Banco de España registered exchange
    Use a registered provider to reduce checks and returned transfers.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity to enable EUR deposits.
  4. Get SEPA transfer details
    Copy IBAN, BIC, and concepto reference from the exchange deposit page.
  5. Send transferencia in the Kutxabank app
    Open the Kutxabank app, go to Transfers, add the beneficiary, approve with the app security method, and enter the concepto reference exactly; first time payees can be slower.
  6. Wait for funds to arrive
    Standard SEPA is often next business day, with possible delays on first transfers to new beneficiaries.
  7. Purchase Bitcoin
    Buy BTC once credited.
  8. Secure your Bitcoin
    Withdraw to a wallet if holding long term.

[!] Troubleshooting

  • If the first transfer is held, expect conservative checks on new beneficiaries. Add the beneficiary first, then wait before sending.
  • If a transfer is rejected, recheck recipient details and avoid special characters in the reference field.
  • For time-sensitive deposits, do not assume SEPA Instant is supported by the recipient bank.

Frequently Asked Questions

Can I buy Bitcoin with Kutxabank?

Yes. Kutxabank does not offer native Bitcoin trading, but you can fund exchanges using SEPA transferencias from Kutxabank online banking or the Kutxabank app. For fewer issues, use a bank transfer to Bit2Me or another EU platform instead of relying on card payments. If your first transfer is delayed, it is usually a new beneficiary security hold rather than a crypto specific ban.

Kutxabank is big on Bizum in the Basque Country, can I use Bizum to deposit to an exchange?

Almost never. Bizum has its own limits and is aimed at person to person payments, while exchanges generally require an IBAN for SEPA deposits. Use SEPA transfer for crypto funding and keep Bizum for personal payments.

How do I add a new beneficiario in Kutxabank without getting the transfer rejected?

Create the beneficiary with the exact name and IBAN provided on the deposit page, then approve it through Kutxabank's signing method. If the bank asks for extra verification, do not change the beneficiary fields, just reduce the amount and try a small test transfer. Once the beneficiary is established, repeat deposits usually process with less friction.

Kutxabank SEPA Instant: will it make my exchange deposit land faster?

Only if the deposit route supports SEPA Instant and your Kutxabank transfer is sent as immediate. Many EU platforms support SEPA and SEPA Instant in EUR, but instant availability can vary by funding provider and your bank. If you do not see instant in the funding flow, standard SEPA timing applies.

What limits matter most at Kutxabank when funding an exchange by bank transfer?

Your per operation transfer limit and the limit applied to new beneficiaries. If the transfer fails instantly, check whether you hit a configured límite rather than assuming the platform rejected the deposit. Adjust the limits in your Kutxabank channels if available, or split the amount into smaller transfers.

Why do Kutxabank cards get declined on some crypto platforms?

Card declines are often driven by risk scoring and 3D Secure step ups, not by a strict bank wide ban. If you want repeatable funding, avoid cards and use a SEPA transfer to load your EUR balance on the platform. Cards are better treated as a backup method, not the default.

Evidence & Verification

This page references 4 sources: Kutxabank Transferencias, Banco de España Crypto Registry, CNMV Crypto Providers. 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.