Users can fund their accounts via bank transfer, SEPA, or bank wire. First of all, make sure the company you’re buying for has a good reputation and is regulated. They also need to be tech-savvy as the process involves coding and software development and management. Luno allows users in Europe to purchase bitcoins with a credit card or debit card. Although the fee structure may seem attractive to you, you will have to stop and think if you are already experienced enough to be interacting with these platforms.