Buy Bitcoin with Poste Italiane

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

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

SEPA transfers allowed.

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 through BancoPosta. SEPA to a regulated exchange works, but first-time payments feel slower due to beneficiary setup and confirmation steps.

  • [✗]

    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

    First transfer can be slower due to beneficiary checks

Top Exchanges for Poste Italiane

Step-by-step guide to buying Bitcoin with Poste Italiane

Poste Italiane customers often buy Bitcoin by using SEPA bonifico to an OAM registered exchange, after verifying the beneficiario. Follow along to get set up.

  1. Pick an OAM-registered exchange
    Use an OAM-registered exchange to reduce beneficiary friction and compliance flags.
  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 causale reference code.
  5. Send bonifico from BancoPosta
    Open the BancoPosta app, go to Bonifici then Nuovo beneficiario, add IBAN and BIC, approve with PosteID or app security, and include the reference in causale.
  6. Wait for funds to arrive
    Bonifico SEPA is often next business day, and first transfers to new beneficiaries can take longer due to added checks.
  7. Purchase Bitcoin
    Buy BTC once credited.
  8. Secure your Bitcoin
    Withdraw BTC to a wallet if you want self custody.

[!] Troubleshooting

  • If your first bonifico is slow, beneficiary setup and confirmation steps in BancoPosta can add friction. Add the beneficiary in advance.
  • If a transfer is rejected, confirm the IBAN and causale reference are correct, then retry with a smaller test amount.
  • Expect slower processing outside business hours compared with banks that support SEPA Instant widely.

Frequently Asked Questions

Can I buy Bitcoin with Poste Italiane (BancoPosta)?

Yes. BancoPosta does not sell Bitcoin in app, but you can fund a crypto exchange using SEPA bonifico from the App Poste Italiane or poste.it. Poste also supports SEPA Instant, but your effective limit depends on product type and configured massimali. If you use a Postepay with IBAN, it can also send SEPA transfers depending on the card type.

Why does BancoPosta cap my first instant transfer to a new exchange IBAN?

On some Postepay products with IBAN, Poste documents a lower first instant bonifico amount to a new beneficiary and a waiting period before larger instant transfers are allowed. This is a fraud control that applies to any new IBAN. If you are funding an exchange for the first time, start with a small standard SEPA bonifico or a small instant transfer, then increase once the beneficiary is established.

Where do I change BancoPosta bonifico limits in the Poste app before sending to an exchange?

Poste explains that you can adjust bonifico limits from the app settings area under Massimali. Changes can apply across channels, including poste.it, depending on the product. If you keep hitting failures, check both your standard SEPA and SEPA Instant limits and raise them within the allowed range.

Does Poste support bonifico SEPA istantaneo from app and how do I do it?

Yes. Poste states you can initiate an instant SEPA transfer from poste.it or the App Poste Italiane. In the bonifico flow, select the instant option and confirm with the required authentication. Keep the deposit reference in the causale so the deposit is matched correctly.

If I go to an Ufficio Postale, can I send a larger instant bonifico to an exchange?

Poste's business material states that instant bonifici made at the post office counter do not have a specific amount limit for business customers, but product limits and compliance checks can still apply in practice. For most personal deposits, instant SEPA from app is enough if your massimali allow it and the destination supports SEPA Instant.

Can I use a Postepay card to buy crypto directly or should I stick to bonifico?

Postepay is usually more predictable as a SEPA transfer tool when the card has an IBAN, because the exchange sees a named bank transfer. Card payments depend on merchant setup and can be declined without a clear reason. For reliability, use SEPA bonifico to the exchange deposit IBAN.

Evidence & Verification

This page references 4 sources: Poste SEPA Instant, Poste SEPA Transfers, OAM Crypto Register. 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.