Buy Bitcoin with UniCredit Italy

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

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

Allows crypto transfers.

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: sepa, sepa-instant

Last verified:

Quick Verdict

UniCredit doesn't offer crypto. Standard SEPA bonifico to a regulated Italian exchange works well; Instant is available but 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 carry extra fees

Top Exchanges for UniCredit Italy

Step-by-step guide to buying Bitcoin with UniCredit Italy

Most UniCredit Italy users fund a regulated exchange using SEPA bonifico, with beneficiario details entered carefully. Start with step one below.

  1. Pick an OAM-registered exchange
    Choose an OAM-registered exchange to reduce transfer issues from UniCredit.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity so EUR deposits are enabled.
  4. Get IBAN, BIC, and causale
    Copy IBAN, BIC, and any reference code shown in the bonifico deposit instructions.
  5. Send bonifico in the UniCredit app
    Open Mobile Banking UniCredit, go to Bonifici then Nuovo bonifico, add the beneficiary, and approve with Mobile Token; include the reference in the causale.
  6. Wait for funds to arrive
    Standard bonifico is often 1 business day; bonifico istantaneo can be seconds when available, but fees can apply.
  7. Purchase Bitcoin
    Buy BTC once credited.
  8. Secure your Bitcoin
    Move BTC to a personal wallet if holding long term.

[!] Troubleshooting

  • If you need speed, check whether bonifico istantaneo is enabled on your plan, but confirm any extra fee before using it.
  • If the first transfer is delayed, complete strong customer authentication and try a small test amount first.
  • Keep the causale reference exact to avoid delayed crediting.

Frequently Asked Questions

Can you buy Bitcoin with UniCredit?

Yes. UniCredit does not sell spot Bitcoin inside Mobile Banking, but you can fund a crypto exchange by sending a SEPA bonifico from the UniCredit app or Banca via Internet. Some users choose large international platforms such as Kraken or Coinbase, and others use locally active providers, but your best filter in Italy is whether the provider is listed on the OAM register. If a first payment is slowed down, it is usually new beneficiary and limit controls, not a crypto specific ban.

Where do I change UniCredit transfer limits before sending money to an exchange?

UniCredit points customers to the limit settings inside the digital banking profile, where you can view operational limits and adjust within your allowed range. In Mobile Banking, look under profile and settings for limits and operativity, then check both per operation and daily ceilings for bonifici. This matters because a deposit that exceeds your configured cap will be blocked or fail.

Does UniCredit support bonifico istantaneo for exchange deposits?

Yes, UniCredit supports bonifico istantaneo from Mobile Banking. The key constraint is whether the receiving bank account accepts SEPA Instant, since delivery can only be instant if the destination supports it. If the instant option is unavailable during the transfer flow, send a standard SEPA bonifico instead.

Why did UniCredit accept a SEPA transfer but decline my card payment to a crypto platform?

UniCredit bank transfers and card payments are screened differently. A SEPA bonifico is a named beneficiary transfer with IBAN level controls, while card payments depend on merchant category and issuer risk rules, which can be stricter for crypto merchants. If you want consistency, use SEPA bonifico as your default and keep card as a backup for small tests.

Do buddybank users fund exchanges the same way as UniCredit customers?

Generally yes, because the underlying rail is still SEPA bonifico. The difference is the app layout and your configured limits, not the beneficiary requirements. Use the beneficiary name and reference exactly as provided in the deposit instructions, especially on first time deposits.

What is the best timing window for a UniCredit SEPA transfer so it lands the same day?

If you need immediate settlement, pick bonifico istantaneo when the destination supports it. Standard SEPA bonifici follow bank cut offs and business day processing, so an order late in the day can settle on the next working day. If your exchange offers both rails, instant is the faster choice when available.

Evidence & Verification

This page references 4 sources: UniCredit Bonifici Online, OAM Crypto Register, OAM Virtual Asset Operators. 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.