Buy Bitcoin with Postbank

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

Data from bank docs & BaFin 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

Postbank doesn't sell crypto. SEPA to a licensed exchange works after your recipient is verified, BestSign or photoTAN checks can slow first-time payments.

  • [✗]

    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

    BestSign or photoTAN checks can delay first transfer

Top Exchanges for Postbank

Step-by-step guide to buying Bitcoin with Postbank

Postbank customers usually buy Bitcoin by sending SEPA Überweisung to a BaFin licensed exchange and confirming the Empfänger. Get started in minutes.

  1. Pick a BaFin-licensed exchange
    Choose a BaFin-licensed provider to reduce transfer friction from Postbank.
  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 and Verwendungszweck
    Copy IBAN, BIC, and Verwendungszweck from the deposit instructions.
  5. Send SEPA in Postbank Online Banking
    Open Postbank Online Banking, go to Ueberweisung, add the Empfänger, and approve using BestSign or photoTAN; enter the Verwendungszweck exactly.
  6. Wait for funds to arrive
    Standard SEPA is often 1 business day; first transfers can be delayed if Postbank applies extra checks to new recipients.
  7. Purchase Bitcoin
    Buy BTC once your deposit is credited.
  8. Secure your Bitcoin
    Withdraw BTC to a wallet if you want self custody.

[!] Troubleshooting

  • If a first transfer is held, Postbank often requires BestSign or photoTAN confirmation for new recipients.
  • If a payment fails, re-add the recipient and ensure the IBAN is correct, as recipient records can corrupt after edits.
  • If SEPA Instant fails, use standard SEPA and allow 1 business day.

Frequently Asked Questions

Can you buy crypto with Postbank?

Yes. Postbank does not offer direct Bitcoin buying inside its banking app, but SEPA transfers from Postbank Online Banking can fund most major exchanges. Transfers are approved through BestSign, so make sure BestSign is active before you add a new exchange recipient. If you need faster deposits, use SEPA Instant when available on both sides.

How do I approve an exchange transfer with Postbank BestSign without timing out?

Open BestSign and approve the pending order promptly. Keep push notifications enabled so you do not miss the prompt. If BestSign is not paired correctly after a phone swap, transfers can fail at the approval step, so fix BestSign first and then retry.

Does Postbank support Echtzeit Ueberweisung for exchange deposits?

Postbank can support Instant style transfers in many cases, but Instant only works when the receiving bank account supports SEPA Instant too. If Instant is not available for your deposit method, standard SEPA usually lands on the next business day.

Why can an exchange show 1 to 3 business days even when my Postbank transfer looks sent?

Some platforms apply their own posting and compliance checks after the bank transfer arrives, and weekends or cut offs can add time. If your transfer left Postbank, the next thing to check is whether the IBAN, beneficiary name, and reference match the deposit instructions. Reference errors are a common cause of manual review.

What should I enter as Verwendungszweck when sending from Postbank to an exchange?

Use the payment reference provided by the deposit screen exactly and do not add extra text. Many platforms require the reference to assign the deposit to your account. If you omit it, the transfer can arrive but not credit automatically.

Postbank transfer limit, what do I check before funding in two payments?

Check your daily transfer limit and whether Postbank applies any additional cap for new recipients. If the first payment uses most of your limit, the second can fail even though nothing is blocked. Raise the limit first if you need staged transfers.

Evidence & Verification

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