Depositing euros (EUR) into your OKX account using a SEPA bank transfer is a secure and efficient way to fund your digital asset journey. Whether you're trading, investing, or exploring the world of crypto, understanding how to use SEPA—especially SEPA Instant—can save you time and streamline your experience. This guide walks you through the complete deposit process, explains key differences between transfer types, and answers common questions to help you get started with confidence.
Understanding SEPA and SEPA Instant Transfers
The Single Euro Payments Area (SEPA) enables fast and low-cost euro transfers across most European countries. OKX supports both SEPA Standard and SEPA Instant transfers, giving users flexibility based on their urgency and banking capabilities.
- SEPA Standard: Typically takes 1–2 business days to process. Ideal for non-urgent deposits during regular banking hours.
- SEPA Instant: Processes deposits in seconds—yes, literally! Available 24/7, including weekends and holidays, with a maximum limit of €100,000 per transaction.
👉 Start your instant EUR deposit today with fast, secure SEPA transfers.
While OKX does not charge fees for EUR deposits via SEPA, your bank may apply its own transaction fees. Always confirm fee structures and SEPA Instant availability with your financial institution before initiating a transfer.
Step-by-Step Guide to Deposit EUR via SEPA
To ensure a smooth deposit process, follow these steps carefully—available both on the OKX website and mobile app.
On the Web
- Log in to your OKX account.
- Navigate to Assets > Deposit.
- Select Euro (EUR) as your deposit currency.
- Choose your preferred method: SEPA Standard or SEPA Instant.
- Click Next to view your unique deposit details, including IBAN, BIC, and reference number.
- Carefully review the instructions and initiate the transfer through your online banking platform.
- Confirm the transaction from your bank’s interface.
Once confirmed, funds will appear in your OKX account based on the transfer type:
- SEPA Instant: Within seconds
- SEPA Standard: Within 1–2 business days
On the Mobile App
- Open the OKX app and tap Deposit > Deposit EUR.
- Select your desired transfer method (SEPA Standard or SEPA Instant) and tap Next.
- Review the provided deposit information—including recipient name, IBAN, and payment reference.
- Use these details to initiate the transfer via your mobile or online banking service.
- Confirm the transaction on your bank’s platform.
After confirmation, monitor your OKX balance for incoming funds. Processing times align with those listed above.
⚠️ Important: Ensure the name on your OKX account matches exactly with the name registered on your bank account. Any mismatch or third-party deposit attempt will result in rejection.
Frequently Asked Questions
Why do I need to verify my identity before depositing?
Identity verification (KYC) is required to comply with anti-money laundering (AML) regulations and enhance platform security. It also helps unlock region-specific payment methods and higher transaction limits.
What’s the difference between SEPA and SEPA Instant?
SEPA Standard transfers take 1–2 business days and operate during banking hours. SEPA Instant allows real-time transfers 24/7, with funds arriving in seconds—perfect for time-sensitive deposits up to €100,000.
Why can’t I see the “Deposit EUR” option?
Fiat deposit functionality is restricted based on geographic location due to local regulatory requirements. If you're outside supported regions (such as EEA countries excluding France), this feature may be unavailable.
Why am I seeing “Cash Deposit Not Available”?
This message indicates that fiat payment services are currently not accessible in your region. OKX regularly evaluates expansion opportunities and will notify users when new regions are supported.
Can I use any bank for SEPA transfers?
Most banks in the EEA support SEPA transfers. However, SEPA Instant availability depends on your bank’s infrastructure. Contact your bank to confirm whether they support instant payments and if additional fees apply.
How do I check my deposit history?
- On the web: Go to Assets > Deposit > All Deposits
- In the app: Tap Portfolio > Transactions > Filter by Cash Deposit
This log includes all incoming EUR transfers, their status, and timestamps for easy tracking.
Tips for a Successful EUR Deposit
- Always double-check the IBAN, BIC, and payment reference provided by OKX before sending funds.
- Never send funds from a third-party account—only use a bank account under your name.
- Use SEPA Instant when speed matters, especially during volatile market conditions.
- Keep screenshots or records of your transaction confirmation for reference.
👉 Maximize efficiency with instant SEPA deposits—get started now.
Final Thoughts
Depositing EUR via SEPA into your OKX account is simple, secure, and increasingly essential for engaging with digital assets. With support for both standard and instant transfers, users across Europe can enjoy flexible funding options tailored to their needs.
Whether you're making your first deposit or optimizing your trading workflow, leveraging SEPA Instant can significantly reduce wait times and improve overall responsiveness in fast-moving markets.
Remember: Always verify your identity early, ensure name consistency between accounts, and stay informed about regional availability.
👉 Experience seamless euro deposits with OKX’s trusted SEPA integration.
By following this guide, you’re well-equipped to fund your account efficiently and securely—so you can focus on what really matters: building your financial future in the digital economy.