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Payment methods for European customers

Note: U.K. customers should read Payment Methods for UK Customers.

Coinbase supports the following payment methods for European customers in a supported country.

 Best ForBuySellAdd cashCash outSpeed

SEPA Transfer

Large amounts, adding cash (EUR), cashing out

1-3 business days

3D Secure Card

Instant crypto purchases

Instant

Instant Card Cashouts

                                                                  Cashing out

  ✘

  ✘

      ✘

       ✔

                   Instant

Ideal/Sofort

Adding cash (EUR)

Up to 8 business days

          PayPal

                                                                 Cashing out

  ✘

  ✘

      ✘

     Instant

      Apple Pay*                                                           Instant crypto purchases  ✔   ✘      ✘       ✘     Instant

* Apple Pay is not available in all regions in EU at this time

Note: Coinbase currently does not accept physical checks or bill pay as a payment method to purchase cryptocurrency or to add cash into a user's fiat wallet. Checks will be returned to sender upon receipt via mail, provided a mailing address is present. And as a reminder, Coinbase customers can only have one personal Coinbase account. 

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 7 calendar 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. Verify your bank account. Before adding cash, visit Settings > Payment Methods and enter your bank account details to verify your account. You will use the information provided to add cash for an initial verification transaction.

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

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

  7. Add cash of at least €6 for verification. If your bank transfer is successful, this transaction will be credited to your EUR wallet and your linked bank account will be automatically verified for adding cash and cashing out.

Note: Coinbase partners with an Estonian bank. To ensure the IBAN is correct, please select Estonia and not Ireland as the country when sending deposits.

Add cash with Bank Account

To avoid any processing delays with SEPA transfers, please link your bank account in Settings > Payment Methods before initiating a transfer. The steps to initiate adding cash via SEPA are as follows:

  1. Select Portfolio on the top of the page

  2. Select EUR Wallet

  3. Select Add cash at the top-right

  4. Use the information displayed to initiate a SEPA transfer in euros from your bank account. It is important to include the Reference Number to ensure that the transaction is correctly associated with your Coinbase account.

  5. Please only send transactions denominated in EUR.

Your funds will credit 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.

Please note that we are 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.

Cash out to Bank Account

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

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

Mobile

  1. Tap Portfolio

  2. Tap EUR Wallet

  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.

Cash out via Instant Card

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

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

  2. In your Euro wallet, 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.

Buying with a Credit or Debit Card

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 UK, Ltd.

Apple Pay

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.

Your can view your limits on the Account limits section of your Settings. Limits for puchasing 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. 

How do I use 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 on Safari web app, make sure you're signed into your Apple account. 

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

Why was my transaction canceled? 

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

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

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

  • Make sure OS is up to date

  • Contact Apple Pay support

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