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Buy Bitcoin with Sparkasse

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

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

SEPA transfers generally 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

Sparkasse doesn't sell crypto, and rules vary by location, limits and transfer policies differ between branches. Check your Tageslimit before sending to a licensed exchange.

  • [✗]

    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

    Limits vary by local Sparkasse

Top Exchanges for Sparkasse

Step-by-step guide to buying Bitcoin with Sparkasse

Sparkasse customers often use SEPA Überweisung to a BaFin licensed exchange, with Empfänger and Verwendungszweck done right. Start with step one below.

  1. Pick a BaFin-licensed exchange
    Choose a BaFin-licensed provider to reduce flags across the Sparkassen network.
  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
    In deposits, select SEPA and copy IBAN, BIC, and the Verwendungszweck reference.
  5. Send SEPA in the Sparkassen-App
    Open the Sparkassen-App, go to Ueberweisung, add the Empfänger, and approve using S-pushTAN; check your Tageslimit in settings if the amount fails.
  6. Wait for funds to arrive
    SEPA is often 1 business day; first payments to a new Empfänger can be delayed, and policies can differ by local Sparkasse.
  7. Purchase Bitcoin
    Buy BTC after your deposit is credited.
  8. Secure your Bitcoin
    Withdraw BTC to a wallet for long term storage if needed.

[!] Troubleshooting

  • If your transfer is blocked, check your specific local Sparkasse rules. Limits and controls vary by region.
  • If S-pushTAN fails, re-activate the app and confirm notifications are allowed, then retry once.
  • If Tageslimit is low, raise it before attempting larger deposits.

Frequently Asked Questions

Can you buy Bitcoin from a Sparkasse account?

Yes in many cases, but the experience depends on your local Sparkasse. Sparkassen are independent institutions, so limits and risk checks can differ even if the apps look similar. SEPA transfers from the Sparkassen App or online banking usually work for major exchanges. If card payments fail, switch to SEPA transfer and start with a small first deposit.

My Sparkasse used to offer giropay, can I still use it for crypto funding?

No. giropay has been discontinued, and most platforms have shifted to SEPA transfers or SEPA Instant instead. Use the funding instructions inside the exchange app and rely on SEPA rails. If you want faster funding, confirm SEPA Instant support on both sides.

How do I add a crypto exchange as an Empfaenger in Sparkasse without name mismatch warnings?

Create the recipient using the exact beneficiary name shown in the deposit instructions, then enter the IBAN carefully. If a platform provides a structured reference, paste it into the reference field exactly and do not add your own notes. Name and reference formatting are the two most common causes of holds on first deposits.

Does Sparkasse support Echtzeit Ueberweisung for faster exchange deposits?

Some Sparkassen support SEPA Instant and some do not, and it can differ by local institution and account type. If Instant is supported for your recipient, it can credit much faster than standard SEPA. If it is not available, standard SEPA often lands on the next business day.

What is a typical Sparkasse Tageslimit for transfers and can I change it?

There is no single nationwide number because each Sparkasse sets its own defaults. Most Sparkassen let you view and adjust your transfer limits in online banking, confirmed through S pushTAN or chipTAN. If you fund in stages, check the limit before sending the first transfer.

Why did my Sparkasse ask extra questions when I sent money to a crypto platform?

Sparkassen often apply stronger scam prevention on new recipients and unusual transfers. The bank may pause a first payment while you confirm intent through the TAN flow. A small test payment, consistent recipient details, and a clean reference field usually reduce back and forth.

Evidence & Verification

This page references 4 sources: Sparkasse S-pushTAN, Verbraucherzentrale Instant Payments, Bitpanda SEPA Reference. 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.