Where to Buy Stellar (XLM) Online in Europe
You can buy Stellar (XLM) online in Europe through regulated crypto exchanges like Coinmerce, MoonPay, and Kraken. These platforms accept local EU payment options such as SEPA, iDeal, Sofort, and credit cards. Each follows strict Know Your Customer (KYC) and anti-money laundering (AML) standards under MiCA, protecting buyers and supporting reliable XLM transactions. Always compare platforms for fees, supported payment methods, and licensing to find the best fit for your needs.
How to Buy Stellar (XLM) Online in Europe
A variety of crypto exchanges enable European users to buy Stellar:
Coinmerce
- Coverage: Available in all EU/EEA countries
- Payment Methods: SEPA, iDeal, Sofort, credit/debit cards
- Fees: Typically ~0.5% - 2%, varies by payment
- Verification: Requires identification and residence proof as per MiCA
- Trust Signals: Registered with Dutch central bank, strong user ratings
MoonPay
- Coverage: Serves most EU nations
- Payment Methods: Credit/debit cards, Apple Pay, Google Pay, bank transfer
- Fees: Card purchases around 3.5%, bank transfer lower
- Verification: Email verification, then ID check for large transactions
- Trust Signals: AML compliant, partners with major wallets
Kraken
- Coverage: Supports EU except sanctioned regions
- Payment Methods: SEPA, credit/debit card, bank transfer
- Fees: Tiered fees, trading for as low as 0.16%
- Verification: Requires full KYC after account creation
- Trust Signals: EU regulatory compliance, high transparency
Best Payment Methods to Buy Stellar in the EU
- Choose a trustworthy exchange: Visit a regulated provider like Coinmerce, MoonPay, or Kraken.
- Create and verify your account: Complete EU-required KYC steps, upload ID, address, and (if asked) proof of bank ownership.
- Select your payment method: EU buyers can use bank transfers (SEPA), card payments, PayPal (on select platforms), iDeal (Netherlands), or Sofort (Germany & Austria).
- Add funds or purchase directly: Decide whether to deposit euros or buy XLM directly via instant checkout.
- Review fees: Each method incurs different fees. Bank transfers are usually cheaper, while cards and instant methods cost more.
- Confirm transaction details: Double-check receiver information and amount before buying.
- Complete purchase: Follow platform prompts to finalise your XLM acquisition.
Regional Availability Across Europe
European buyers benefit from localised payment methods and broad exchange coverage. Platforms like Coinmerce and Kraken support SEPA payments for all EU/EEA countries, while iDeal and Sofort are common alternatives for residents in the Netherlands, Germany, and Austria.
Some exchanges automatically convert local currencies to XLM, but it's safest to use euro (EUR) where possible. Notably, regional regulations may require additional verification for high-value transactions or restrict crypto access in certain countries (e.g., sanctioned or high-risk territories).

