French cryptocurrency exchange registered with AMF as a PSAN. Focus on compliance.
KYC verification: 1-2 days
Available in: FR
French users wanting to fund crypto purchases using SEPA bank transfers within a French AMF-registered perimeter
Bank transfer buys require the operation label and a 72-hour confirmation window, so follow the in-app flow exactly
Primary SEPA Transfer
Bank transfer purchases are credited after the transfer arrives, typically 1 to 3 business days, then you must confirm the operation in-app. Card purchases usually complete once your bank approves Strong Customer Authentication.
⚠ Bank transfer purchases fail or get delayed when the required operation label is missing or incorrect
⚠ If you send a different amount than the operation amount, or transfer without creating an operation first, Coinhouse may create a USDC purchase operation that you must confirm or cancel within 72 hours
AMF-registered Digital Asset Service Provider (DASP/PSAN) in France (Coinhouse SAS, registration E2020-001) for custody, fiat purchase/sale, and crypto-to-crypto services.
Last verified: 2026-01-16 · View source
Trading Fees
0.89% for SEPA purchases; 1.79% for card purchases; 1.49% for DCA by card; 1.29% for sales; 0.69% for swaps. External wallet withdrawals are network fees plus 0.29% (min 1.49 EUR, max 500 EUR).
Deposit Fees
SEPA deposits are free. Card purchases include the trading fee. Bank transfer buys require an in-app confirmation step.
Why did my SEPA transfer not get matched to my Coinhouse buy?
Coinhouse matching depends on the operation label generated when you create a bank transfer purchase in the app. If the label is missing or wrong, the transfer may not link to your order.
Why is Coinhouse asking me to confirm the purchase after my transfer arrives?
For bank transfer buys, Coinhouse receives your funds first, then you must confirm the purchase operation in-app. You typically have a limited window (72 hours) to confirm or request a refund.
My bank transfer amount was different than the operation amount. What happens?
Mismatched amounts or transfers sent without creating an operation can result in an automatic USDC purchase operation that you must confirm or cancel within 72 hours, otherwise it can be refunded.
Why is my card purchase failing on Coinhouse?
Most card failures are Strong Customer Authentication issues. Retry after approving the bank's 2FA prompt (SMS code or banking app validation).
German users wanting to fund crypto buys using SEPA with a platform operating under French AMF registration
Most delays come from missing the operation label on transfers or bank checks on first-time payees
Primary SEPA Transfer
Bank transfer purchases typically depend on SEPA timing (often 1 to 3 business days), then require an in-app confirmation step. Card purchases usually complete once your bank approves Strong Customer Authentication.
⚠ SEPA delays usually trace back to beneficiary setup delays or missing the Coinhouse operation label in the transfer reference
⚠ Some German banks hold first-time transfers to crypto platforms for extra checks, which can add a business day
Coinhouse is AMF-registered as a DASP (PSAN) in France (E2020-001). This is not a BaFin license. Users in Germany should treat it as a France-regulated platform serving eligible SEPA-zone customers.
Last verified: 2026-01-16 · View source
Trading Fees
0.89% for SEPA purchases; 1.79% for card purchases; 1.49% for DCA by card; 1.29% for sales; 0.69% for swaps. External wallet withdrawals are network fees plus 0.29% (min 1.49 EUR, max 500 EUR).
Deposit Fees
SEPA deposits are free. Bank transfer buys require an in-app confirmation step after funds arrive.
What is the biggest mistake when funding Coinhouse by SEPA?
Forgetting the operation label. Coinhouse uses it to match your incoming transfer to the in-app purchase operation. Paste the label exactly.
Why did my SEPA transfer arrive but my order is not completed?
Coinhouse bank transfer buys require an in-app confirmation after funds arrive. Check your Transaction History and confirm within the stated time window.
Why is my first transfer taking longer than SEPA normally takes?
Some banks apply extra checks for first-time payments to crypto firms. Once you successfully fund Coinhouse once, later transfers are usually smoother.
My card purchase keeps failing. What is the fastest workaround?
Card purchases often fail due to Strong Customer Authentication. If it keeps failing, fund by bank transfer instead.
Italian users wanting EUR funding through SEPA with a platform registered with the French AMF
Most user errors come from missing the operation label on transfers or failing the post-transfer confirmation step
Primary SEPA Transfer
SEPA transfer timing depends on your bank (often 1 to 3 business days), then Coinhouse requires an in-app confirmation step. Card buys depend on your bank's Strong Customer Authentication approval.
⚠ Transfers get delayed when the operation label is missing from the payment reference or when the beneficiary setup is not completed correctly
⚠ Card purchases fail most often when the bank declines 3D Secure or you hit card purchase limits
Coinhouse is AMF-registered as a DASP (PSAN) in France (E2020-001). This is not an Italian authorization. Treat it as a France-regulated platform serving eligible SEPA-zone customers.
Last verified: 2026-01-16 · View source
Trading Fees
0.89% for SEPA purchases; 1.79% for card purchases; 1.49% for DCA by card; 1.29% for sales; 0.69% for swaps. External wallet withdrawals are network fees plus 0.29% (min 1.49 EUR, max 500 EUR).
Deposit Fees
SEPA deposits are free. Bank transfer buys require an in-app confirmation step after funds arrive.
Why is my SEPA funding taking longer than expected?
The transfer itself can take 1 to 3 business days, and the buy is completed only after you confirm the operation in-app. Check Transaction History and your email prompts.
What is the operation label and where do I put it?
Coinhouse generates an operation label when you create a bank transfer purchase. Put it in the transfer reference/description exactly as provided.
What happens if I transfer without creating an operation first?
It can create a default purchase operation that you must confirm or cancel within a limited window. Check Transaction History and act quickly.
Why can I buy an asset but not withdraw it to my wallet?
Coinhouse states only a limited set of assets are transferable. Many assets are internal-only for buy/sell/swap. Verify withdrawal support before purchasing.
Spanish users wanting EUR bank funding through SEPA with a platform registered with the French AMF
Most delays come from bank beneficiary checks or missing the operation label on transfers
Primary SEPA Transfer
SEPA transfers typically take 1 to 3 business days to arrive, then Coinhouse requires an in-app confirmation step to execute the purchase. Card purchases complete after bank Strong Customer Authentication approval.
⚠ Bank transfer buys often fail when the required operation label is missing or wrong in the transfer reference
⚠ First-time payees can trigger bank checks, especially when the user tries to send a large first transfer
Coinhouse is AMF-registered as a DASP (PSAN) in France (E2020-001). This is not a Spanish authorization. Treat it as a France-regulated platform serving eligible SEPA-zone customers.
Last verified: 2026-01-16 · View source
Trading Fees
0.89% for SEPA purchases; 1.79% for card purchases; 1.49% for DCA by card; 1.29% for sales; 0.69% for swaps. External wallet withdrawals are network fees plus 0.29% (min 1.49 EUR, max 500 EUR).
Deposit Fees
SEPA deposits are free. Bank transfer buys require an in-app confirmation step after funds arrive.
Why did my SEPA transfer arrive but the Coinhouse purchase is still not completed?
Bank transfer buys require you to confirm the operation in-app after the funds arrive. Check Transaction History and confirm within the allowed window.
I forgot the operation label. Can Coinhouse still match my transfer?
Often no. The label is used to allocate received funds to the operation. Create a new operation, follow the reference format, and send a small test next time.
Why is my bank holding the transfer to Coinhouse?
Banks can apply extra checks for first-time payments to crypto platforms. Start with a small transfer and be ready to approve any security prompts.
Can I withdraw everything I buy to a wallet?
Coinhouse states only a limited set of assets are transferable. Check withdrawal support before buying if self-custody is your plan.
UK customers wanting to use SEPA rails with a French AMF-registered platform
The main pitfalls are missing the operation label on transfers and failing the confirmation step after funds arrive
Primary SEPA Transfer
SEPA transfers typically take 1 to 3 business days to arrive, then Coinhouse requires an in-app confirmation step. Card purchases complete after your bank approves Strong Customer Authentication.
⚠ Transfers get stuck when the operation label is missing from the payment reference, especially on first-time payees
⚠ Card buys fail when the bank declines 3D Secure or you hit card purchase limits
Coinhouse is AMF-registered as a DASP (PSAN) in France (E2020-001). This is not FCA registration. Treat it as a France-regulated platform serving eligible SEPA-zone customers.
Last verified: 2026-01-16 · View source
Trading Fees
0.89% for SEPA purchases; 1.79% for card purchases; 1.49% for DCA by card; 1.29% for sales; 0.69% for swaps. External wallet withdrawals are network fees plus 0.29% (min 1.49 EUR, max 500 EUR).
Deposit Fees
SEPA deposits are free. Bank transfer buys require an in-app confirmation step after funds arrive.
Does Coinhouse accept UK customers?
Coinhouse support states eligibility is tied to residency documents issued by SEPA-zone countries, and it lists the UK among them. Check the account creation requirements before funding.
Why isn't my SEPA transfer linked to my Coinhouse order?
Matching depends on the operation label created in-app. Put it in the payment reference exactly.
Why do I need to confirm the purchase after the money arrives?
Bank transfer buys require a confirmation step and have a time window to confirm or cancel. Check Transaction History and your email prompts.
My card buy failed. What is the next best funding method?
If your bank declines the 3D Secure prompt, use SEPA bank transfer instead, and start with a small test transfer.
Coinhouse is not available in United States
Coinhouse is not available for US residents. Account eligibility requires residency documents issued by SEPA-zone countries.
Coinhouse is not available in Canada
Coinhouse is not available for Canadian residents. Account eligibility requires residency documents issued by SEPA-zone countries.
Coinhouse is not available in Australia
Coinhouse is not available for Australian residents. Account eligibility requires residency documents issued by SEPA-zone countries.
Coinhouse supports sepa, sepa-instant for deposits.
Coinhouse typically completes KYC verification in 1-2 days.
Coinhouse is available in FR.