Buy Bitcoin with Sabadell

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

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

Allows SEPA transfers.

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 Sabadell. Standard SEPA to a Banco de España-registered exchange works reliably; SEPA Instant may cost extra depending on your plan.

  • [✗]

    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

    SEPA Instant may cost extra

Top Exchanges for Sabadell

Step-by-step guide to buying Bitcoin with Sabadell

With Sabadell, the typical route is SEPA transferencia to a CNMV registered exchange after adding the beneficiario. Here is a quick walkthrough.

  1. Pick a Banco de España registered exchange
    Use a registered provider for more predictable SEPA deposits.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity before depositing.
  4. Get the SEPA transfer details
    Copy IBAN, BIC, and any concepto reference from the deposit instructions.
  5. Send transferencia in the Sabadell app
    Open the Sabadell app, go to Transfers, add the beneficiary, approve with Sabadell Key, and include the concepto reference exactly.
  6. Wait for funds to arrive
    Standard SEPA is often next business day; SEPA Instant can be faster if available on your plan and supported by the recipient.
  7. Purchase Bitcoin
    Buy BTC once credited.
  8. Secure your Bitcoin
    Withdraw to a wallet if holding long term.

[!] Troubleshooting

  • If SEPA Instant is offered but costly, use standard SEPA and plan for 1 to 2 business days instead.
  • If a new beneficiary payment is delayed, allow time for beneficiary activation and then retry.
  • If crediting is delayed, confirm the concepto includes the reference code exactly.

Frequently Asked Questions

Can I buy Bitcoin with Banco Sabadell?

Yes. Sabadell does not sell Bitcoin in its banking app, but you can fund crypto platforms by SEPA transferencia from BS Online or the Sabadell app. If you want fewer declined transactions, use bank transfer to Bit2Me or a major EU exchange instead of repeated card buys. For faster funding, Sabadell supports transferencia inmediata, but your bank side limits can be tighter than the scheme maximum.

What does Sabadell call SEPA Instant, and what limit should I expect?

Sabadell refers to it as transferencia inmediata. Even when instant transfers are available, each bank can apply its own per operation cap. If you are sending to an exchange that supports SEPA Instant, test with a smaller amount first and then increase once the route works. This matters on weekends when standard SEPA can land later.

Why did Sabadell hold my first transfer to an exchange for review?

New beneficiaries plus large amounts are common triggers, and crypto platforms often look like higher risk recipients in bank fraud models. If you are using SEPA Instant, the bank may add extra authentication steps because instant transfers are harder to reverse. Use the exact beneficiary name and IBAN shown on the deposit page, then do a small test transfer to build a normal payment pattern.

Can I fund an exchange from Sabadell using Bizum instead of a bank transfer?

Most of the time, no. Bizum is for P2P payments and merchant checkout, while exchanges typically provide a SEPA IBAN for EUR deposits. If you are buying Bitcoin, use SEPA transfer rather than trying to force Bizum.

Sabadell card buys keep failing on crypto platforms, is that normal?

It happens. Card transactions can be declined because of 3D Secure challenges, merchant category policies, or bank risk scoring that changes per transaction. A SEPA transferencia is generally more stable for funding EUR balances, especially after the beneficiary is saved.

How long should a Sabadell SEPA transfer take for a EUR deposit to an exchange?

Standard SEPA deposits often credit in 1 to 3 business days depending on cut off times and settlement. If you send outside banking hours or on a weekend, standard SEPA can land later even if your Sabadell app shows it as sent. If you need faster funding, check whether the deposit route supports SEPA Instant and whether your Sabadell account can send it.

Evidence & Verification

This page references 4 sources: Sabadell BS Online, Bit2Me EUR Deposits, BBVA Transferencias Inmediatas. 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.