well, for robosats you need revolut as well (or something else instant). sepa is slow. instant sepa is usually not an option for me. and with the ridiculous transaction limits you can't even buy like a 1m sats (when btc is up) 🤷♂️
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I mean yes you need some sort of bank account that can do SEPA if you're in Europe to trade on any of those platforms. SEPA instant has always been very fast for me (I mostly use it on Hodl Hodl) and I've had no issues buying large amounts, not sure why you get limited to 1m sats.
The thing is a new legislation which technically requires the receiver to "verify" where the money came from. Happened to me that the transaction was held until I proofed the funds (which obv resulted in a failed trade, because we all know how fast these things are).
Not all banks support instant sepa...