Can I Buy Bitcoin with UniCredit?

UniCredit does not provide direct cryptocurrency trading through its online or mobile banking services. To purchase Bitcoin, customers must first transfer funds to licensed crypto exchanges in Europe that are regulated under MiCA and subject to Italian financial supervision.

Supported funding options include SEPA transfers within the EU, SWIFT payments, and UniCredit debit or credit card deposits. These transactions are secured with the bank’s authentication systems to meet AML and KYC requirements.

Once funds are deposited, investors can buy Bitcoin, Ethereum, and other digital assets on approved exchanges while remaining compliant with EU regulations.

How to Buy Crypto with UniCredit

A reliable option for UniCredit customers is eToro, a MiCA-regulated exchange licensed in Italy and across Europe. Trusted by over 30 million users, eToro offers more than 6,000 assets including cryptocurrencies, stocks, ETFs, and commodities.

The platform lists major coins, such as Bitcoin (BTC), Ethereum (ETH), and Solana (SOL), while also offering staking and copy trading features for investors seeking yield or portfolio diversification strategies.

Step-by-Step Guide to Buying Crypto with UniCredit on eToro:

1. Open an eToro Account: Go to eToro’s website, create your account, and complete identity verification required under EU rules.
2. Fund Your Account from UniCredit: Deposit Euros using a SEPA transfer or a UniCredit debit or credit card. Transactions are processed quickly under eToro’s regulated systems.
3. Choose a Cryptocurrency: Select Bitcoin, Ethereum, or any of the thousands of assets listed on eToro.
4. Confirm and Store Your Investment: Enter the amount, review the order, and execute the trade. Your holdings are displayed in your eToro account, with the option to transfer them to the eToro Money wallet for custody or withdrawals.

Fees and Deposit Limits for UniCredit Customers

Before funding an exchange account, UniCredit clients should review eToro’s deposit, withdrawal, and trading costs. Below is a breakdown of eToro’s current structure as an example:

• Deposits: SEPA transfers in EUR are free, with a minimum of €50. UniCredit debit and credit card deposits are also free when funded in euros. Non-euro deposits incur a 0.5% conversion fee.
• Withdrawals: A flat €5 fee applies to all withdrawals, with funds returned to the same UniCredit account or card used for deposits.
• Limits: Verified accounts can deposit and withdraw over €100,000 per day, with higher tiers supporting significantly larger monthly volumes.
• Trading: eToro charges no commission but applies a spread of around 1% on crypto buy and sell orders.

This structure makes eToro cost-efficient for UniCredit clients, particularly compared to exchanges like Coinbase where trading fees exceed 2% and card deposits carry higher surcharges.

UniCredit Cryptocurrency Policy

UniCredit has taken a restrained approach to digital assets. The bank does not allow clients to buy or hold cryptocurrencies directly through its own platforms.

Instead, it offers indirect access for wealthier clients through structured products. One example is a five-year, capital-protected certificate linked to BlackRock’s iShares Bitcoin Trust (IBIT). This product provides limited upside while guaranteeing the original capital at maturity, reflecting UniCredit’s focus on risk management rather than speculation.

For retail customers, the policy is straightforward: transfers to third-party exchanges are allowed, provided the platforms are licensed under MiCA and supervised by Italian regulators such as OAM and CONSOB.

Best Alternative Exchanges for UniCredit Customers

UniCredit clients who prefer not to use eToro can access several MiCA-regulated exchanges in Europe:

• Young Platform: Turin-based and regulated under MiCA, tailored for Italian users. Supports EUR deposits via SEPA and UniCredit cards. Offers 50+ cryptocurrencies, recurring buys, and fees from 0.2%.
• Bitpanda: EU-regulated and headquartered in Vienna. Accepts EUR through SEPA, debit/credit cards, Neteller, and Skrill. Provides 200+ cryptocurrencies plus 3,000+ stocks, ETFs, and commodities. Average trading fee is 1.49%.
• Coinbase: MiCA-compliant and authorized in Europe. Supports EUR deposits from UniCredit via SEPA, debit/credit cards, Apple Pay, Google Pay, and PayPal. Lists 200+ cryptocurrencies, staking rewards up to 14% APY, and strong security standards.

When choosing an exchange, UniCredit customers should compare deposit methods, fees, asset variety, and regulatory oversight to select the best fit.

About UniCredit

UniCredit is one of Europe’s largest banking groups, headquartered in Milan with strong operations in Italy, Germany, Austria, and Central and Eastern Europe. 

The bank serves more than 14 million individuals and over 1 million businesses, offering products that range from current accounts, loans, and cards to corporate finance, investment banking, and wealth management. 

Its model blends retail and institutional services, positioning UniCredit as a central player in Europe’s financial system.

Final Thoughts

UniCredit customers cannot buy Bitcoin directly through the bank, but funding a MiCA-regulated exchange like eToro, Bitpanda, or Coinbase offers a secure and compliant path. 

By comparing fees, limits, and available assets, investors can choose the platform that best fits their goals and manage crypto exposure within Europe’s regulatory framework.