Instant transfer to a crypto exchange: the bank matches the payee name

When you transfer money from your bank account to a crypto exchange, two new rules have applied since October 2025 that change the process noticeably. Your bank must offer the instant transfer, and it may not charge more for it than for an ordinary transfer. At the same time, before releasing the payment it matches the name you typed in against the name that actually belongs to the recipient account. Both requirements sit in the same EU regulation. For a deposit at an exchange that means two things.