Payment methods for European customers

You can make a purchase with your bank account using Easy Bank Transfer.

To make a purchase:

1. Select Buy & Sell.

2. Enter the amount.

3. Select your bank account.

   • If your bank isn't listed, complete a manual transfer first.

4. Review your order and select Place order.

5. You'll be directed to your banking app or website to authorize the payment.

Add cash with Easy Bank Transfer

The steps to initiate adding cash via SEPA are as follows:

1. Sign in to your Coinbase account

2. From the Home Page, select Assets

3. Select your Euro balance, then Add Cash

   • The window will now display the details that you need to provide your bank for the transfer

4. Initiate a SEPA transfer from your bank to your Coinbase account using the bank details shown in the step above

Your funds will be credited to your account 1-3 business days after you send them. Note: SEPA transfers only process on business days and can take up to 7 calendar days if sent over a weekend or bank holiday.

You are responsible for any conversion or reversal fees performed by your bank.

Note: We're not not able to accept SWIFT international wires at this time. If you send a SWIFT payment to your Coinbase account it will be automatically returned before reaching Coinbase. A return of SWIFT could take up to 10 business days or longer, depending on your bank processing speed.

What is a SEPA transfer?

Bank transfers made via SEPA are used to send payments denominated in Euros within the Single Euro Payments Area. SEPA transfers have no fees and can only be denominated in EUR. Please note that SEPA transfers only process on business days and can take up to 1-3 business days if sent over a weekend or bank holiday.

Checklist for SEPA Success

1. Confirm that your bank supports SEPA transfers before sending funds.

2. Have a verified ID and phone number added to your Coinbase account.

3. Ensure the name on your bank account matches the name on your Coinbase account. Corporate or institutional bank accounts are not supported unless you have completed our institutional onboarding process.

4. Include your unique reference code in your bank transfer EXACTLY as it appears. No spaces or additional text please.

5. Only add cash denominated in EUR. SEPA transfers only support adding cash in EUR.

The steps to initiate adding cash via SEPA are as follows:

1. Sign in to your Coinbase account

2. From the Home Page, select Assets

3. Select your Euro balance, then Add Cash

   • The window will now display the details that you need to provide your bank for the transfer

4. Initiate a SEPA transfer from your bank to your Coinbase account using the bank details shown in the step above

Your funds will be credited to your account 1-3 business days after you send them. Note: SEPA transfers only process on business days and can take up to 7 calendar days if sent over a weekend or bank holiday.

You are responsible for any conversion or reversal fees performed by your bank.

Note: We're not not able to accept SWIFT international wires at this time. If you send a SWIFT payment to your Coinbase account it will be automatically returned before reaching Coinbase. A return of SWIFT could take up to 10 business days or longer, depending on your bank processing speed.

Before you can cash out euros to your bank account, you will need to successfully add cash to your Coinbase EUR balance via SEPA. Instructions for this are covered above.

To cash out euros from your Coinbase account, follow these steps.

Mobile

1. Tap Assets

2. Tap EUR

3. Tap Cash out 

4. Confirm your bank account info if requested

5. Confirm the cashout

Cashing out typically take 1-3 business days to complete. To avoid any loss due to conversion rates, please ensure that the bank account receiving your cashout is denominated in EUR.

There are only a few steps to instantly cash out from your Euro balance:

1. Ensure you have money in your Euro balance (you may need to sell crypto)

2. From your Euro balance, select Cash out

3. Choose your linked card from the menu as the cash out option

For more information about cashing out via Instant Card, please see here.

You can make a purchase with a credit or debit card if your card supports "3D Secure." With this payment method, you will not have to pre-fund your account to place an order. You can purchase instantly without waiting for a bank transfer to complete. To determine if your card supports 3D Secure, you can contact your credit/debit card provider directly.

The following steps will get you started:

1. When logged into your account, go to the payment methods page.

2. Click "Add a Credit/Debit Card" at the top of the page.

3. Enter your card information (The address must match the billing address for the card).

4. If needed, add a billing address for the card.

5. You should now see a window that says "Card Added" and a "Buy Digital Currency" button.

6. You can now buy digital currency using the "Buy/Sell" page anytime.

The following steps will walk you through the 3DS purchase process:

1. Go to the Buy/Sell page

2. Enter the desired amount

3. Select the card on the payment methods drop down menu

4. Confirm the order is correct and click "Complete Buy"

5. You will be directed to your bank's website (Process different depending on bank)

How to purchase using a 3D Secure card via the mobile app here.

Note: Coinbase no longer supports linking new credit cards and some card issuers are blocking digital currency purchases with existing credit cards. If you have a credit card linked already, your bank may charge additional fees for Coinbase credit card purchases. To avoid these fees, switch to debit card or bank account.

We're also unable to support prepaid cards or other cards without an associated billing address.

All credit card and debit card payments are processed through Coinbase Payments for the UK and Coinbase Ireland for the rest of Europe.

How do I link my PayPal account?

1. Complete all identity document verification steps and that your country of residence is correct.

2.  From your account Settings > click Payment Methods > Add a Payment Method.

3. Select PayPal and you'll be prompted to log in to PayPal.

Important:

• If your PayPal email does not match your Coinbase email, you'll need to complete two-factor authentication on Coinbase for security purposes. 

• Your PayPal account’s country must match your Coinbase account’s country. 

• You can only link your PayPal account to one Coinbase account at a time.    

• To add a different PayPal account, you must first unlink your previous one on file. 

You can purchase crypto through Coinbase using Apple Pay linked to your debit card. Adding cash, cashing out, and selling your crypto is not available with Apple Pay at this time. 

Your limit to purchase crypto on Coinbase using Apple Pay is equal to the sum of both your own debit card's transaction limit and Coinbase limits. You can view your limits on the Account limits section of your Settings. Limits for purchasing and adding cash will vary depending on your region and payment method type.

For example, if you add Apple Pay to your account and your card's transaction limit is $1,000, you can purchase up to $1,000 worth of crypto in a 24-hour period in addition to the limit on your Coinbase account. 

Using Apple Pay with Coinbase

1. Select the cryptocurrency you want to buy.

2. Enter the amount.

3. Select Apple Pay from the list of available payment methods.

If you already have a Visa or Mastercard debit card linked in your Apple Wallet, Apple Pay will automatically appear as a payment method when you’re buying crypto with Coinbase on an Apple Pay-supported iOS device or Safari web browser. If you’re using a Safari web app, make sure you're signed into your Apple account. 

Apple Pay is not available on Chrome browser at this time.

Canceled transactions

If your transaction is canceled, please contact your card issuer. 

Apple Pay is not an available payment method

Try the following:

• Make sure you’re using an iOS device or Safari, and that you are signed into your account

• Make sure your OS is up to date

• Contact Apple Pay support

How do I use Google Pay?

To use Google Pay: 

1. Select the cryptocurrency you want to buy.

2. Enter the amount.

3. Select Google Pay from the list of available payment methods.

If you already have a Visa or Mastercard debit card linked to your Google Wallet, Google Pay will automatically appear as a payment method when you’re buying crypto with Coinbase on a Google Pay-supported Android device or the following web browsers:

• Google Chrome

• Mozilla Firefox

• Safari

• Microsoft Edge

• Opera

• UC Browser

If you’re using Coinbase on a web browser, make sure you are signed into your Google account to use Google Pay. Note that Google Pay is not available on iOS at this time.

Why was my transaction canceled? 

If your transaction is canceled, please contact your card issuer.

Why don’t I see Google Pay as an available payment method?

Try the following steps:

• Check that you’re using an Android device or supported web browser and that you’re signed into your Google account

• Double-check that your device or web browser is up to date

• In your Google Pay settings, turn on sharing in the "Share that you have Google Pay with companies outside of Google" section located under your Privacy settings (on web) or Data & Personalization (in the mobile app) 

If you still have issues after trying the above steps, please contact Google Pay for further help.

What is SOFORT?

SOFORT is a popular online banking payment method in Europe with high usage in Germany, Austria, Switzerland and Belgium.

Coinbase customers can link their bank account using SOFORT to deposit funds onto the Coinbase platform. This is done on platform as a payment method, when selected the customer will be prompted to sign into their bank therefore complete verification.

At this time, SOFORT is deposit only.

How to use SOFORT on Coinbase:

Ensure the name on your bank account matches the name on your Coinbase account.

1. Select Assets on the top of the page.

2. Select your EUR balance.

3. Select Add cash.

4. Follow the instructions on your screen.

Your funds will usually take 8 business days to process. We are not able to complete the processing faster.

What is iDeal?

iDEAL is an e-commerce payment system used in the Netherlands, based on online banking. Introduced in 2005, this payment method allows customers to transfer funds on the Internet using direct online transfers from their bank account.

Coinbase customers can link their bank account using iDeal to deposit funds onto the Coinbase platform. This is done on platform as a payment method, when selected the customer will be prompted to sign into their bank therefore complete verification.

At this time, iDeal is deposit only.

How to use iDeal on Coinbase:

Ensure the name on your bank account matches the name on your Coinbase account.

1. Select Assets on the top of the page.

2. Select your EUR balance.

3. Select Add cash.

4. Follow the instructions on your screen.

Your funds will usually be credited to your account instantly.