Buy Bitcoin with Unicaja

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

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

SEPA transfers supported.

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 Unicaja. SEPA works, but first transfers to new beneficiaries may go through manual review. Start with a smaller test payment.

  • [✗]

    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

    Manual review possible on first transfer

Top Exchanges for Unicaja

Step-by-step guide to buying Bitcoin with Unicaja

Unicaja users usually buy Bitcoin by sending SEPA transferencia to a CNMV registered exchange and confirming the beneficiario. Get started in minutes.

  1. Pick a Banco de España registered exchange
    Use a registered provider to reduce holds and transfer returns.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity before depositing.
  4. Get SEPA transfer details and concepto
    Copy IBAN, BIC, and the concepto reference from the deposit instructions.
  5. Send transferencia in the Unicaja app
    Open Unicaja, go to Transfers, add the beneficiary, approve with the bank security method, and enter the concepto reference; first high value transfers can trigger a review.
  6. Wait for funds to arrive
    Standard SEPA is often next business day, with possible manual review delays for first time deposits.
  7. Purchase Bitcoin
    Buy BTC once credited.
  8. Secure your Bitcoin
    Withdraw BTC to a personal wallet if you want self custody.

[!] Troubleshooting

  • If your first transfer is delayed, Unicaja can route new beneficiaries through manual review, so start with a small test transfer.
  • If a transfer is returned, check recipient name and IBAN match, then resend with the reference code only.
  • Avoid multiple retries in a short period, which can trigger further holds.

Frequently Asked Questions

Can I buy Bitcoin with Unicaja?

Yes. Unicaja does not sell Bitcoin in its banking channels, but SEPA transferencias to exchanges are the standard way to buy crypto. Many users fund Kraken or Bit2Me by bank transfer and then place the BTC order inside the platform. If you are a new beneficiary sender, Unicaja may apply extra authentication on the first transfer.

Unicaja after the Liberbank merger: did anything change for exchange transfers?

The practical effect for most users is more unified digital banking, but the rails remain SEPA transfer in EUR. If you were moved between systems, double check your transfer limits and security settings in the app before sending to a new exchange IBAN. First time transfer holds are more likely right after account profile changes.

How do I set up a new beneficiary in Unicaja for a SEPA deposit to an exchange?

Add the exchange IBAN as beneficiary, copy the beneficiary name exactly, and approve the operation using Unicaja's strong authentication flow. Standard SEPA deposits are not instant, so do not expect immediate credit unless you are using an instant compatible route. If the bank rejects the first attempt, resend a small test amount once the beneficiary is saved.

Does Unicaja support transferencia inmediata for exchange deposits?

It depends on your account configuration and the deposit route you pick. Many platforms support SEPA and SEPA Instant, but instant is not available with every bank and provider combination. If you do not see SEPA Instant in the funding flow, standard SEPA timing applies even if your bank offers instant in general.

What limits should I check in Unicaja before funding an exchange by bank transfer?

Check your per operation limit and whether there is a lower cap for new beneficiaries. If the platform provides a new IBAN for deposits, treat it like a new recipient and keep the first transfer smaller. Once the beneficiary is trusted, you can usually increase the amount without triggering a hard stop.

Will Unicaja debit cards work for buying crypto on platforms?

Sometimes, but it is less predictable than SEPA transfer. Card purchases can be declined due to 3D Secure, merchant category rules, or issuer risk scoring. If you want repeatable funding, use transferencia and trade after the EUR balance arrives.

Evidence & Verification

This page references 4 sources: BBVA Transferencias Guide, BBVA Modificar Límites, Banco de España Crypto Registry. 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.