10 Best EU Crypto Apps With IBAN

In this post, I will cover the 10 Best EU crypto apps with IBAN offering easy euro deposits, speedy SEPA transfers, and safe cryptocurrency trading.

These services are perfect for users based in the EU looking for traditional banking functions alongside access to digital assets. No matter your experience level, these apps are tailored for all users.

Key Points & 10 Best EU crypto Apps With IBAN List

10 Best EU crypto Apps With IBAN

1.Revolut

Revolut ranks among the top crypto applications in the EU offering an IBAN account which makes transferring euros effortless. Although based in England, Revolut is fully licensed in the EU. It allows users to buy, sell, and hold more than a hundred cryptocurrencies directly within the app.

The system boasts a simple layout, market analytics, automated recurring buys among other features. In addition to crypto trading all in one place, Revolut offers multi-currency wallets, budgeting tools as well as a debit card that supports fiat-cryptocurrency conversions.

Great for users of any level owing to industry leading safety and compliance features focused on Warsaw, it is the perfect all-in-one banking and cryptocurrency platform within the European Union.

Features Revolut

• Has personal IBAN that can transfer euros across EU
• Gives instant trade access to more than 100 cryptocurrencies
• Includes multi-currency wallets, budgeting, and wallet features
• Offers a metal card with cashback, crypto spending, and fiato-crypto conversion

2.Bitpanda

Bitpanda is one of the best European crypto apps with IBAN functionality for easy euro payments and receipts. Based in Vienna and holding a MiCA license from BaFin, it serves the entire EU 27.

Through Bitpanda users can receive real-time payments by partnering with Deutsche Bank as well as have local German IBANs enabling faster fiat transfers. Over 400 cryptos along with stocks, ETFs, precious metals, and crypto indices are accessible through their mobile/web app.

Users can spend crypto via Visa debit card with up to 2% cashback and no fees. Bitpanda is safe with EU cold storage, strong security protocols, 2FA, and multi-asset regulated investment which makes it ideal for residents seeking an Iban friendly provider.

Features Bitpanda

• Provides German IBAN with Deutsche Bank for cross-border payments
• All-in-one app for trading crypto, stocks, ETFs and even metals
• Fast funding through SEPA Instant transfers supported
• Bitpanda Visa card receives crypto payment with extra bonus.

3.N26

N26 is the first German neobank to offer full IBAN accounts across the EU, seamlessly integrating crypto trading through Bitpanda.

N26 Crypto, accessible through the app under the “Finances” tab, permits select users to buy, sell and hold over 350 different cryptocurrencies including Bitcoin, Ethereum and Solana without needing external wallets.

It allows instant euro deposits and withdrawals via IBAN with fees clearly outlined: for standard users roughly 1.5% on Bitcoin and about 2.5% on other coin

N26 Metal subscribers enjoy discounted rates of around 1% and 2% respectively. Custody is securely managed through cold storage with Bitpanda.

Features N26

• Maintains EUR IBAN with SEPA for free banking services
• Works with Bitpanda enabling brand N26 to trade crypto (350+ coins)
• Fees are adjustable with preference
• The app is simple yet attractive making navigation enjoyable.

4.Binance

Binance is one of the biggest crypto exchanges in the world. It enables users from the EU to deposit euros and withdraw funds using IBAN-linked accounts—mostly through P2P SEPA transfers and direct “SEPA Instant” methods.

Countries like France, Germany, Spain, Italy, Poland, and Sweden are crucial for Binance’s expansion as they provide EUR funding at low costs (e.g., €1 for a €100 deposit).

In the past, Binance ceased offering SEPA services because of regulatory challenges; he now uses new European banking partners.”

For residents from the EU looking to access cryptocurrencies via an IBAN account, Binance serves as an excellent option owing to its hundreds of supported cryptocurrencies, FIAT wallets, trading tools and remarkable security features.

Features Binance

• Accepts Europian bank accounts using both SEPA and SEPA instant payments for eur wire transfers
• Preffered by many due to advanced trading pèrks available and p2p euro transfers Most major European Countries provide full KYC access thus are covered

5.Wirex

Wirex is an easy-to-use cryptocurrency app that targets EU customers. It comes with an IBAN and BIC which makes it possible to receive and send SEPA payments in real time. This feature also serves well for automated salary deposits or bank transfer.

Aside from fiat currencies, Wirex supports over 60 cryptocurrencies which can be used through a Visa or Mastercard debit card accepted globally.

Funds are converted automatically at interbank rates. Through Wirex’s Cryptoback program, users can earn up to 8% crypto back on card purchases. It is FCA-licensed and EU-compliant, which makes it a good option for people looking for smooth crypto to fiat bridging.

Features Wirex

• Purchase crypto using Wirex Visa/Mastercard and receive up to 8% cashback.
• Supports over 60 types of cryptocurrencies alongside traditional fiat currencies.
• Operating under FCA and EU regulations featuring crypto wallets.

6.Uphold

Uphold is a multi-asset EU app providing euro accounts with IBAN accessibility through Uphold Europe Limited which is FCA regulated.

Users can deposit and withdraw euros via IBAN seamlessly, trade over 100 cryptocurrencies alongside precious metals, equities, and carbon credit tokens.

The app provides proof of reserves and enable “anything-to-anything” one-step conversions for currencies.

European users also get optional debit cards that are UK currently and crypto-to-fiat spending (crypto converted to local currency), free FX cross-border transfers, instant crypto-to-fiat spending, and cashback on purchases.

With strong security including cold storage up to 90 %, 2FA, FCA compliance ,Uphold offers Buiten landse grens overs credenda betal in gen in Euro’s or free cross-border transfers and remains a flexible trusted crypto fiat border.

Features Uphold

• Allows bank transfers with an IBAN-compatible EUR account.
• Within one click, users can buy or sell more than 100 assets which include cryptocurrency, metals, and stocks.
• Available in the UK, users can purchase a debit card that offers cashback on crypto spending with Uphold.
• Maintain real-time proof of reserves while storing 90% in cold storage security.

7.Kriptomat

Based in Estonia, Kriptomat is one of the reliable crypto apps in Europe offering full EUR IBAN through SEPA for instant deposits and withdrawals in 34 countries.

As an EU regulated company, it prioritizes user security with SSL encryption, two-factor authentication, and cold storage of most user funds.

Beginners can effortlessly navigate the app’s interface to use buy, sell or hold over 30 cryptocurrencies. Moreover, users enjoy recurring buy options, stake savings accounts, and fee transparency.

Users benefit from no charge SEPA transactions (usually between 1-3 business days) but incur a flat 1.45% trading fee. Overall, Kriptomat is greatly advantageous for EU citizens looking for safety alongside ease-of-use and crypto gateway integrated with IBAN support.

Features Kriptomat

• Offers SEPA IBAN account enabling easy EUR deposit and withdrawal for free.
• Regulated in Estonia for cold wallet protection combined with two-factor authentication strengthens security (2FA).
• Contains an easy-to-use interface offering recurring buys and staking options.
• Has a transparent trading fee of 1.45% and supports over 30 cryptocurrencies.

8.Monese

Monese is a neobank based in the UK & EEA that offers current accounts with an EUR IBAN and allows free SEPA transfers. They also support multi currency accounts in GBP, EUR, and RON.

Although Monese does not provide in-app crypto trading, users can transfer funds to FCA-regulated crypto exchanges like eToro or Coinbase for crypto purchases from their Monese IBANs .

The platform provides fast onboarding without credit checks, physical and virtual Mastercard debit cards, and has clear fees across different tiers. It is most suitable for residents of the EU who prefer streamlined IBAN banking combined with easy access to cryptocurrency.

Features Monese

• Provides personal EUR IBAN with no charge SEPA transfers.
• Offers multi currency accounts: EURO, GBP, RON.
• Partners with cryptocurrency platforms such as eToro and Coinbase for account integration.
• Issues virtual MasterCard instantly after opening an account, allowing users to spend online immediately.

9.Bison App

Bison App (by Börse Stuttgart) is an easy-to-use, safe, and cost-free EU crypto application that offers users a personal IBAN through Solaris SE and Deutsche Bank, allowing convenient SEPA and Instant SEPA euro deposits and withdrawals.

With the Bison App, users can seamlessly trade more than 25 cryptocurrencies including Bitcoin and Ethereum at no trading fees besides a transparent spread averaging 1.25%.

Features Bison App

• Receives German IBAN through Solaris/Deutsche Bank which allows inbound SEPA transfers from other banks.
• Charges no trading fees but takes a spread of about 1.25%.
• Holds user assets through a custodian regulated by the EU under supervision with insured deposits giving them additional security.
• Interface is easy to use featuring demo mode, tax reporting tools making it useful for first-time investors.

10.Zeply

Zeply is a crypto wallet and exchange based in Tallinn, Estonia. It is regulated within the EU and provides users with an IBAN to easily deposit euros (EUR) or receive SEPA transfers into the app.

Users can conveniently buy, sell, and hold more than 10 cryptocurrencies including BTC, ETH, SOL, ADA, USDT, and USDC using Apple Pay, Google Pay, Trustly, debit cards or bank transfers.

These transactions are often fee free. Zeply’s platform has Fireblocks-backed VASP licenced institutional-grade security from the Estonian FIU.

As Zeply supports both mobile and desktop applications, offers 24/7 customer support which includes expansion plans for a Visa crypto debit card suggests responsive adaptability to user needs. Zeply’s offer: EU residents > 1.5% trading fees (transparent), no EUR deposit fees, regulated custody.

Features Zeply

• Buy and sell over 10 major cryptocurrencies instantly with low transaction fees.
• Fireblocks gives institutional-grade security combined with VASP licensing from Estonia.
• Supports Apple Pay, Google Pay, cards, and will enable a crypto debit card soon.

Conclusion

To sum up, the leading EU crypto apps that come with an IBAN including Bitpanda, N26 and Revolut provide euro banking alongside crypto trading as well as swift SEPA transfer capabilities.

These platforms are accessible for both beginners and experienced investors since they offer regulated access to digital assets and integrated IBAN support.

While there is a range of differences between the platforms provided such as cards, staking, or low-fees crypto trading; make your choice basing on what features will you prioritize most.

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