Can I Buy Bitcoin with Eurobank?

Yes, though not inside the Eurobank app. Eurobank runs no retail crypto desk, holds no Bitcoin for individuals, and lists no crypto ETP in its investment products. What it does permit is ordinary SEPA payments to crypto-asset service providers authorised under MiCA, whether licensed directly by the Hellenic Capital Market Commission or passported into Greece from another EU regulator.

In practice you open an account at a regulated exchange serving Greece, send euros from the Eurobank Mobile App or e-Banking, and buy on the exchange. The first time we funded Bybit from a Eurobank account, the SEPA Instant credit landed in under a minute. An earlier attempt to pay through IRIS went nowhere, since IRIS recognises only Greek mobile numbers and tax IDs.

Anyone who remembers the 2015 capital controls can set that worry aside, since Greece lifted them in full in 2019. A payment to a MiCA-licensed exchange today is treated as a standard euro transfer.

How to Buy Crypto with Eurobank

Sending euros from Eurobank to Bybit takes two moves: fund the exchange over SEPA, then buy Bitcoin once the money lands. We use Bybit because its EU entity is MiCA-licensed in Austria, deposits are free, and SEPA Instant settles in seconds.

Steps to buy crypto with Eurobank:

1. Create an account: Sign up on Bybit and complete KYC with your Greek ID card or passport. Residents are served through Bybit EU GmbH under the Austrian licence and the EU passport.
2. Get the SEPA details: In Bybit, open Buy Crypto > Deposit > EUR and select SEPA. Copy the IBAN, the beneficiary name, and the reference exactly. A mistyped reference is the most common reason a deposit drops into manual review.
3. Set your Eurobank limit: In e-Banking, go to Profile > Transaction Settings > e-Banking transaction limit and confirm your daily ceiling covers the amount. Do not try to send this through IRIS, which caps at €1,000 a day and cannot reach a non-Greek account in any case.
4. Send the transfer: Add Bybit's IBAN as a new beneficiary and pay. The name is Bybit EU GmbH, and since the EU Verification of Payee rule took effect, a name that does not match the IBAN throws a warning, so copy it precisely. A first payment to a new beneficiary usually triggers an extra confirmation step.
5. Buy crypto: Once the EUR balance shows, open BTC/EUR or your preferred pair and place the order. Above a few hundred euros we use a limit order, since Instant Buy builds in a wider spread than the 0.10% spot fee. From there you can withdraw to your own self-custody wallet anytime.

Fees and Transfer Limits for Eurobank Customers

Total cost splits into the Eurobank transfer leg and the exchange leg. The transfer leg is where first-timers lose time, mostly to the IRIS dead end and a low default e-Banking limit.

Eurobank costs and limits

• Standard SEPA transfer: Free, settling in one to two business days across the SEPA zone.
• SEPA Instant: Free, credited within seconds. As one of Greece's four systemic banks, Eurobank fully supports it, and EU Regulation (EU) 2024/886 now bans surcharges. The instant-transfer ceiling reaches €100,000, but your real limit is whatever you set in e-Banking.
• IRIS payments: Free up to €1,000 a day to individuals, with a €5,000 monthly cap, per Eurobank's terms. Handy for paying people in Greece, but it reaches only Greek mobile numbers and tax IDs, so it cannot fund an exchange.
• Card deposits: Eurobank Visa and Mastercard work on most exchanges, though the gateway surcharge runs 1.5% to 3.5%. We keep cards for small test deposits only.
• AML checks: Eurobank answers to the Bank of Greece and the Hellenic Anti-Money Laundering Authority under Law 4557/2018. A large inbound transfer can prompt a source-of-funds request, which exchange statements and tax filings clear quickly.

Bybit costs

• SEPA deposit: Free.
• Spot trading: 0.10% maker and 0.10% taker at the standard tier.
• Instant Buy: A wider spread sits inside the quoted price. Fine for a first test, uncompetitive above a few hundred euros.
• Crypto withdrawal: Network fee only, varying by asset. USDT on Tron (TRC-20) usually costs under a dollar.
• EUR withdrawal via SEPA back to Eurobank: Free or a small flat fee depending on size.

Pairing a free SEPA transfer with a 0.10% spot fee is among the cheapest ways to buy Bitcoin in Greece, and it leaves you holding crypto you can move off the exchange at will.

Best Exchanges for Eurobank Customers

Greece has no domestically licensed exchange yet: the HCMC had granted no MiCA CASP authorisation as of early 2026, and Binance only filed its Greek application in January. Every option below operates on an EU passport from another regulator.

Eurobank Cryptocurrency Policy

Eurobank offers no retail crypto trading, custody, or wallet service, and has announced no plans to. The stance mirrors Greece's other systemic banks: no in-app Bitcoin, but no obstruction of SEPA payments to regulated exchanges. Our own Bybit transfers cleared from a Eurobank account without a block, the only friction being the usual confirmation step on a new beneficiary.

The Greek framework shifted on 30 December 2024, when MiCA began applying directly. Law 5193/2025 gave it national teeth, naming the HCMC as the authority for crypto-asset service providers and leaving stablecoin issuers to the Bank of Greece. Greek-registered providers under the old AML regime had until 31 December 2025 to file for a licence, with the EU-wide hard stop at 1 July 2026.

Reporting has caught up with tax too. Greece transposed DAC8 through Law 5301/2026, applying from 1 January 2026 with the first data exchange due in 2027, so the AADE receives transaction data straight from any licensed exchange you use. Crypto sat in a tax grey area for years, with the tax authority's dispute body twice declining to tax trading profits under the old income code. That gap is closing: Greece is formalising a flat 15% capital gains tax on crypto profits, while staking and mining income falls under the progressive scale of 9% to 44%.

About Eurobank

Eurobank S.A. is one of Greece's four systemic banks, headquartered at 8 Othonos Street in central Athens under Eurobank Ergasias Services and Holdings, the group listed on the Athens Exchange.

Its footprint reaches well beyond Greece. The group runs Eurobank Cyprus and the recently integrated Hellenic Bank, Postbank in Bulgaria, plus operations in Luxembourg and London, serving retail, business, and private banking clients across the region.

Greek customers bank through the Eurobank Mobile App and e-Banking, which handle more than 1,800 transaction types, alongside the €pistrofi cashback programme, My Advantage Banking tiers, Visa and Mastercard debit and credit cards, and the Travellers prepaid card with no currency conversion fee. The bank is supervised by the European Central Bank under the Single Supervisory Mechanism and by the Bank of Greece.

Bottom Line

How smoothly you buy Bitcoin with Eurobank depends on the transfer and the venue you send it to.

Raise your e-Banking limit before a large first payment, skip IRIS for the exchange leg since it stays inside Greece, and match the beneficiary name to Bybit EU GmbH so the Verification of Payee check clears. Once the euros land, buying is the easy part.

Bybit comes out ahead for most Eurobank customers on cost, asset range, and a Greek-language interface. eToro is the Cyprus-regulated alternative if you prefer a platform built around copy trading and a longer track record with Greek users.