7 Best Crypto Exchanges With SEPA Deposits and Withdrawals

Kraken is one of the most popular exchanges in Europe, offering strong support for European users. It is among the most regulation-compliant exchanges, holding a MiCA license as an E-Money Institution and Crypto Asset Service Provider, issued by the Central Bank of Ireland.

• SEPA Instant Support: Kraken provides free, instant EUR deposits and withdrawals through SEPA Instant. This guarantees quick transfers, so you can deposit and start trading within minutes.
• Security & Transparency: Since launch, there have been no security breaches, and Kraken provides detailed Proof of Reserves along with cold storage of user funds, ensuring industry-leading security for complete peace of mind.
• EU Regulatory Compliance: Kraken recently received a MiCA license for operations in the EU, ensuring it meets the highest standards and complies with the latest EU legislation.

MEXC is a trading-focused exchange that is popular for offering one of the largest selections of markets in the industry, all with zero maker fees and industry-low taker fees. Its extensive selection of altcoins and low trading fees make it ideal for cost-conscious altcoin traders in the EU.

• 0% Maker Trading Fees: MEXC features 0% maker fees across both spot and futures markets, with taker fees of 0.05% for spot and 0.02% for futures. It also offers a further 50% fee discount for holding its native MX token.
• SEPA Instant Support: MEXC supports SEPA Instant payments, allowing users to deposit funds and start trading within minutes. SEPA Instant can be used to deposit fiat and use the Buy Crypto feature.
• Range of Markets: MEXC offers 2,000+ spot markets and 750+ futures markets, giving traders a variety of different markets to trade. This caters to all types of traders and offers them greater flexibility when choosing a trading strategy.

Bitstamp is the longest-standing exchange in the industry, having launched in 2011. The Luxembourg-based platform offers some of the highest security standards, with MiCA licensing, SOC 2 & ISO 27001 certification, institutional-grade security of user assets through cold storage, and comprehensive third-party insurance coverage.

• EU Regulatory Compliance: Bitstamp adheres to the highest regulatory standards, with a MiCA license issued in Luxembourg. This guarantees the exchange’s ongoing compliance with the newest crypto rules in the EU.
• User-friendly App: Bitstamp’s mobile app combines trading, staking, and portfolio tracking with a clean, easy-to-use interface, making it accessible for beginners without being overwhelming.

OKX is among the world’s largest exchanges by daily trading volume and one of the first in Europe to earn a MiCA license. It provides a wide range of services to EU users, including spot and bot trading with over 60 Euro-denominated trading pairs.

• High Withdrawal Limits: OKX offers some of the highest withdrawal limits via SEPA transfer, with a daily limit of up to €1,000,000. However, you cannot withdraw more than €10,000,000 within a 30-day period.
• Free SEPA Instant Transfers: OKX does not charge fees for deposits and withdrawals using SEPA transfers. The exchange also supports SEPA Instant, offering settlement within seconds if you are using a bank that also supports SEPA Instant.

Binance is the largest exchange in the world by trading volume and user base. It’s also one of the most popular platforms in Europe, offering strong EUR payment integration, competitive trading fees, and a wide range of services including trading, staking, lending, and more.

• Full SEPA Support: Binance supports SEPA payments from corporate accounts, enabling fast deposits with high limits. It partners with EU-licensed banks to offer SEPA access and IBAN accounts for corporate transfers.
• Comprehensive Enterprise Features: Binance provides a suite of institution-focused tools, including leading OTC services, a dedicated institutional portal with bespoke products, and institutional-grade custody solutions.
• Security & Regulatory Compliance: Binance offers industry-leading security, a $1 billion insurance fund (SAFU), and holds licenses from multiple European regulators (France, Italy, Lithuania, Spain, Poland, and Sweden). It has also taken steps toward obtaining a MiCA license.

Coinbase is a US-based, NASDAQ-listed exchange with over 100 million users worldwide. Known for its simplicity and security, it’s a top choice for beginners thanks to its intuitive interface and easy-to-use mobile app.

• Beginner-Friendly Platform: Coinbase offers a clean, user-focused interface that makes it simple to explore crypto markets and buy assets. Its mobile app highlights key information in a clear, non-intimidating format, ideal for newcomers.
• Free SEPA Instant Transfers: Users can deposit and withdraw EUR instantly via SEPA Instant with zero transaction fees, offering a seamless fiat onramp.
• EU Regulatory Compliance: As a publicly traded company, Coinbase adheres to strict US standards and now operates in the EU under a MiCA license issued in Luxembourg, ensuring full alignment with European regulations.

Bybit is a leading derivatives-focused exchange, widely used by advanced and professional traders. It stands out for its deep liquidity, high leverage, and a powerful suite of tools designed to support complex trading strategies.

• Professional-Grade Platform: Bybit supports advanced order types, TradingView integration, AI-powered analysis, and webhook automation, making it ideal for strategy-driven traders.
• Wide Market Access: Traders can access 550+ crypto futures markets with up to 100x leverage, alongside forex, indices, stocks, and commodities with up to 500x leverage via MT5.
• EU Regulatory Compliance: Bybit is fully MiCA-licensed in Austria and operates a dedicated EU platform, ensuring compliance with European regulations and high operational standards.