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Buy Bitcoin with La Banque Postale

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

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

Allows SEPA transfers to exchanges.

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 crypto at La Banque Postale. SEPA to a PSAN-registered exchange works but can be slower than other French banks, Certicode Plus prompts are common.

  • [✗]

    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

    Certicode Plus prompts and slower processing

Top Exchanges for La Banque Postale

Step-by-step guide to buying Bitcoin with La Banque Postale

Funding from La Banque Postale usually means a SEPA virement to an AMF registered exchange, with the référence entered exactly. Our walkthrough makes it simple.

  1. Pick a PSAN-registered exchange
    Use an AMF PSAN-registered exchange to reduce friction with conservative bank controls.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity so EUR deposits are enabled.
  4. Get IBAN, BIC, and reference
    Choose Virement SEPA in the deposit section and copy IBAN, BIC, and the reference to include in the virement label.
  5. Send a virement and validate with Certicode Plus
    Open the La Banque Postale app, go to Virements then Ajouter un bénéficiaire, enter IBAN and BIC, validate with Certicode Plus, then send the transfer with the exact reference.
  6. Wait for funds to arrive
    SEPA can take 1 business day, and first transfers to new beneficiaries can be slower, especially outside business hours.
  7. Purchase Bitcoin
    Buy BTC once the deposit clears.
  8. Secure your Bitcoin
    Move BTC to a wallet if you want self custody.

[!] Troubleshooting

  • If you cannot send, complete Certicode Plus validation first, then retry the virement.
  • If transfers feel slow, plan around business hours since processing can lag outside weekdays.
  • If funds are not credited, confirm the reference code was entered in the motif without extra characters.

Frequently Asked Questions

Can you buy Bitcoin with La Banque Postale?

Yes. La Banque Postale does not sell Bitcoin inside its app, but you can fund an exchange using a SEPA transfer from your Espace Client or the La Banque Postale mobile app. The bank highlights that SEPA instant transfers are available and require strong authentication such as Certicode Plus. For best results, use a PSAN registered exchange and start with a small test transfer.

Is Certicode Plus required to send SEPA instant to a crypto exchange from La Banque Postale?

Yes in most cases. La Banque Postale states that sending a SEPA instant transfer requires strong authentication, including Certicode Plus or a secured phone number setup. If you cannot see the instant option or the transfer fails at validation, activate Certicode Plus first.

What is La Banque Postale's daily limit for transfers to third party beneficiaries like exchanges?

La Banque Postale publishes a clear plafond: standard and instant transfers to third party accounts are capped at 5,000 euros per day in digital channels. If you need more, split the funding across days or contact support for options. For larger one off deposits, check whether your exchange supports bank wire.

Are La Banque Postale instant transfers actually instant for crypto deposits?

The bank describes SEPA instant as a few seconds, available 24 7, but the exchange still needs to credit the deposit. If the exchange uses an IBAN that cannot receive SCT Inst, your transfer will default to standard SEPA timing. When timing matters, confirm the exchange deposit page says SEPA Instant is supported.

Why can La Banque Postale processing feel slower than online banks?

La Banque Postale supports the same SEPA rails, but first time beneficiary setup and strong authentication steps can add time. Certicode Plus approval is often the bottleneck, not the transfer rail itself. If you want faster repeat deposits, keep the beneficiary saved and avoid changing recipient details.

Card payment or virement from La Banque Postale, what is more dependable for crypto?

A SEPA transfer is usually more dependable than card checkout. Card payments can be declined by risk controls, while a bank transfer is a normal beneficiary payment flow. If you want the highest success rate, use SEPA or SEPA Instant rather than card checkout.

Evidence & Verification

This page references 4 sources: La Banque Postale Virement SEPA, La Banque Postale Certicode Plus Guide, La Banque Postale Plafond Virements. 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.