Regular Bank Transfer (SEPA) allows you to complete your crypto purchase by transferring funds directly from your bank account. You can use this option for EUR transactions within the SEPA zone.
This method is designed for users who prefer to pay by bank transfer and do not mind waiting for their bank to process the payment. It is also a lower-fee option compared with some other SEPA payment methods.
How to Pay with Regular Bank Transfer
Follow these steps to complete your payment:
- Select EUR as your currency on the purchase screen.
- On the payment method page, choose Regular Bank Transfer.
- Mercuryo will generate your payment details, including:
- IBAN
- Recipient name
- Payment reference
- Exact amount to send
- Open your banking app or online banking.
- Create a new SEPA transfer.
- Copy the payment details carefully.
- Enter the payment reference exactly as shown.
- Send the exact amount displayed.
Important: Always include the payment reference exactly as shown and send the exact amount. If the reference is missing or the amount is incorrect, the order will fail and the payment will be refunded.
How Long Does It Take?
Once Mercuryo receives your payment, your order is processed and your crypto is delivered at the current exchange rate. The timing depends on your bank and may be instant or take up to 3–10 days.
What You Need to Know Before Paying
- This option is available only for EUR transactions within the SEPA zone.
- If your payment arrives after the invoice expires, the order will be cancelled and refunded. The invoice expiry period is 120 hours.
- If you send the wrong amount or forget the payment reference, the order will fail and your payment will be refunded.
Why Choose Regular Bank Transfer?
Regular Bank Transfer may be a good option if you want:
- Lower fees compared with some other SEPA payment options.
- A secure payment method where you send funds directly from your bank.
- A bank transfer option instead of paying by card.
Frequently Asked Questions
What happens if I send the wrong amount?
Your order will fail and your payment will be refunded. Always send the exact amount shown on the payment page.
What happens if I forget the payment reference?
Your order will fail and your payment will be refunded. The payment reference must be included exactly as shown.
What happens if my invoice expires?
If your payment arrives after the invoice expiry time of 120 hours, the order will be cancelled and refunded.
Is this method safe?
Yes. You are sending funds directly from your bank to Mercuryo.
