2 of the 80 exchanges we track accept EPS Transfer deposits, ranked by CWR Score. The list below is checked against your country.
Every exchange below lists EPS Transfer among its deposit methods in the CryptoWinRate database. The list checks each venue's restricted-country list against your location. Change it if we got it wrong.
Exchanges with a CWR Score of 7 or higher and no security incident in the last 12 months.Every exchange that accepts EPS Transfer.Exchanges licensed under the EU’s MiCA rules.
Pick a different country above, or browse all reviews.
Also accepting EPS Transfer, but restricted in your country: Bitvavo, Bitpanda,
EPS, short for Electronic Payment Standard, is Austria’s real-time online bank transfer scheme. It’s the most popular online payment method in Austria, accepted by 80 to 90 percent of domestic online businesses. There’s no card and no wallet; you pick your bank, log in, approve a payment that’s already prepared, and return to the merchant.
Paying a crypto exchange with EPS means funding your account by bank transfer, authorised inside your own online banking. You need an Austrian bank account that takes part and your usual login. No card details go to the exchange, and because the payment comes from an account in your own name, the identity link the exchange needs is already made. The catch is that it’s final: there’s no chargeback.
The list at the top of this page shows the exchanges that accept EPS.
EPS was set up as a joint initiative of the Austrian government and a consortium of mainstream Austrian banks. Sources differ on the exact start: one places its founding in 2001, others put the launch around 2003, when it first enabled direct bank payments online. In 2007 more major Austrian banks were integrated, which broadened merchant acceptance significantly. Around 2012 it gained wider visibility and interface improvements as Austrian e-commerce grew.
It has since become the most popular online payment method in Austria and serves as the official payment method for Austrian e-government services. For someone paying with it today, that history explains why nearly every Austrian bank supports it and why checkout feels familiar.
EPS is a bank-network payment scheme, not a financial product or platform of its own. It doesn’t offer, hold, sell, or custody cryptocurrency, and there’s no app of its own where you could buy or store coins.
The scheme itself has published no policy about paying crypto exchanges, so there are no stated blocks, limits, or warnings specific to crypto. In practice EPS is simply the pipe that moves euros from your bank to a merchant. Whether you can use it to fund a particular exchange account depends on that exchange offering it as a deposit method, which the list at the top of this page reflects.
An EPS payment is processed in real time, so the deposit usually credits within minutes. Your bank sends an immediate, irrevocable confirmation once it accepts the order. What can slow things down is a first-time check on a new account, a bank cut-off time, or a weekend, since the underlying settlement to the merchant happens later on a business day. If nothing has credited after a while, keep your bank’s transaction record and contact the exchange’s support.
EPS is a bank transfer underneath, so it’s normally free for the payer; the scheme itself doesn’t charge you to send. What you pay tends to come from the exchange rather than the scheme. An exchange may add a deposit fee, or build a wider margin into the price when you use an instant buy.
The way to see the real cost is to read the deposit or buy screen before you confirm. Check the amount leaving your account against the crypto you’ll actually receive, so any exchange markup is visible before you commit.
They reach the same place by different routes. EPS is faster and has nothing to type, but it is Austria-only and your bank caps it. SEPA is slower, needs a reference code, and carries far higher limits while being accepted almost everywhere.
The practical split is by size. Use EPS for a routine deposit where speed and simplicity matter; use SEPA when the amount is larger than your online banking limit or when the venue does not offer EPS at all.
Most venues that support EPS also support SEPA, so you rarely have to choose the platform on this basis alone.
Compare a few things between exchanges that accept EPS. Look at the total cost shown before you confirm, not just the deposit fee. Check how long identity verification takes, since you can’t deposit until it’s done. See whether the exchange also accepts SEPA for larger amounts, which coins you can buy, and what the exchange’s security record looks like. Note that paying out back to your bank account isn’t a native EPS feature, so check how withdrawals work. The list at the top of this page shows the exchanges to choose from.
Yes. EPS is authorised inside your own online banking, so it comes from an account in your name. That matches the identity the exchange already holds and avoids the third-party deposit problem.
No. EPS is a way to push money to a merchant, not to receive it. Payouts back to your bank account use a different route, usually a bank transfer, so check how a given exchange handles withdrawals.
No. It’s a bank transfer you authorised, and once your bank accepts the order it’s irrevocable. There’s no chargeback, so the amount and recipient your bank shows before you confirm are the real check.
Yes. EPS works only through a participating Austrian bank, and all the major ones take part. From elsewhere in the euro area, a SEPA transfer is the equivalent.
Use SEPA instead. It’s slower and needs a reference code, but it’s accepted far more widely and carries higher limits.
Normally not for the payer. Any fee you see comes from the exchange, not the scheme.
