Buy Bitcoin with Rabobank

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

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

Allows iDEAL and SEPA transfers to crypto exchanges.

Crypto Compatibility Score: 78/100 (Good)

Score Breakdown:

  • Payment methods: 30/35 pts — fast deposit rails available
  • Bank transfer reliability: 19/25 pts
  • Limits: 12/20 pts
  • Cost: 10/10 pts
  • Evidence: 7/10 pts

Supported payment methods: ideal, sepa, sepa-instant

Last verified:

Top Exchanges for Rabobank

Step-by-step guide to buying Bitcoin with Rabobank

Rabobank customers usually buy Bitcoin by funding a regulated exchange using iDEAL or a SEPA bank transfer from the Rabo App or Rabo Online Bankieren.

  1. Pick a regulated exchange
    Choose a platform that serves the Netherlands and supports iDEAL deposits (and SEPA transfers for larger top ups). Check its Dutch registration and compliance status before you sign up.
  2. Create your exchange account
    Sign up with your email, set a strong password, and turn on two factor authentication.
  3. Complete identity verification
    Upload an ID and complete the selfie or liveness check. Most platforms verify quickly, but first time checks can take longer.
  4. Prepare your Rabobank funding account
    Use a Rabobank account in the same legal name as your exchange profile. First time deposits and larger amounts can trigger extra confirmation steps in the Rabo App.
  5. Send funds using iDEAL
    In the exchange deposit screen, choose iDEAL, select Rabobank, and approve the payment in the Rabo App. This route usually credits fastest for EUR deposits.
  6. Use SEPA transfer when you need more control
    If you are using a bank transfer, copy the IBAN, beneficiary name, and reference from the exchange deposit instructions and paste them exactly. The reference is what links the money to your account.
  7. Purchase Bitcoin
    Once your EUR balance arrives, go to Buy or Trade, pick BTC, enter the amount, review fees, and confirm.
  8. Secure your Bitcoin
    For long term holding, move BTC to a personal wallet. If you keep funds on platform, use strong security settings and keep only what you need for trading.

Frequently Asked Questions

Can I buy Bitcoin with Rabobank?

Yes. Rabobank does not sell spot Bitcoin inside the Rabo App, but you can fund a crypto account using a standard bank transfer from your Rabobank account. For most people, the clean flow is bank transfer first, then buy inside the exchange. If it is your first payment to a new recipient, start with a small test transfer and reuse the same saved beneficiary details.

Where do I change my Rabobank daily transfer limit before funding a crypto exchange?

In the Rabo App you can adjust your daily limit for transfers inside the payment limits settings. Rabobank also applies a waiting period before a higher limit becomes active, so do not increase your limit five minutes before you plan to send a large deposit. If you are planning a larger top up, raise the limit earlier in the day and then send a small test transfer first.

Does Rabobank's daily limit include iDEAL payments as well as bank transfers?

Yes. Rabobank's daily limit is not just for bank transfers, it also counts iDEAL payments inside the same daily cap. If a deposit fails, it is often because you already used part of the limit earlier that day, not because the exchange is blocked. Check your remaining room under the daily limit before retrying.

Why did Rabobank block or slow my first transfer to a crypto platform?

First payments to a new beneficiary are a classic fraud trigger at any bank. If you get extra checks or a delay, treat it like a recipient trust issue rather than a crypto ban. The fastest fix is usually a small test transfer, then repeat using the exact same beneficiary details once it lands.

What beneficiary name should I use when adding an exchange IBAN from Rabobank?

Use the legal beneficiary name shown on the deposit screen, not the marketing brand name you know the platform by. If the IBAN belongs to a payments partner, the beneficiary name may look unfamiliar. Copy it exactly, save the beneficiary, and reuse it for every future deposit to reduce reviews and returns.

Is it better to fund crypto from Rabobank with card or bank transfer?

Bank transfer is usually more reliable because it is a named payment with clear beneficiary details. Card payments can fail based on merchant category rules, issuer risk filters, and extra authentication steps. If your goal is fewer failed attempts, use bank transfer as your default and treat card as a small backup test only.

Evidence & Verification

This page references 4 sources: Geld Overmaken, Cryptopartijen, Limiet Wijzigen Daglimiet. Information was compiled from official sources and user reports.

Sources:

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Information can change without notice. Always verify current policies directly with your bank and exchange before making transactions.