I've been buying BTC with bank transfers for a few months now and it's been great for keeping fees low. The platform I use supports Instant SEPA, so if your bank does too, the payment arrives in under a minute. Fees are minimal – just 0.10 EUR bank fee plus 1% commission. The process is simple: verify your account (took about 2 minutes), select Bitcoin, choose bank transfer, and get redirected to your banking app to confirm. The BTC is sent as soon as the transfer clears. If you're looking to buy crypto with bank account instantly, that's what worked for me. Just check if your bank supports Instant SEPA.