When you transfer money from your bank account to a crypto exchange, two new rules have applied since October 2025 that change the process noticeably. Your bank must offer the instant transfer, and it may not charge more for it than for an ordinary transfer. At the same time, before releasing the payment it matches the name you typed in against the name that actually belongs to the recipient account. Both requirements sit in the same EU regulation.
For a deposit at an exchange that means two things. The money arrives within seconds, so you buy at the price of the moment rather than the price of the day after tomorrow. And you may be shown a warning even though the account details are correct, because the account holder of an exchange is rarely named exactly like the app on your phone. What you do next decides what happens to your money: after a warning, the liability is yours.
Instant transfers and SEPA transfers differ on three points
A classic SEPA transfer is collected by the bank and passed on at fixed times. On a Friday evening the money therefore sits until Monday. The SEPA instant transfer, known in the trade as an instant payment, takes a different route and is pr...
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