When exchanging Bitcoin BTC for a bank transfer via SEPA, it is important to consider that the final amount depends not only on the current exchange rate but also on a number of additional factors. Bitcoin itself, as a digital asset, has high liquidity; however, its conversion into fiat currency requires the involvement of intermediaries, which affects the cost of the transaction. The first element of costs is the network fee, as each transaction in the BTC blockchain requires payment for confirmation. The second component is the service fee through which the exchange occurs, and it can vary depending on the chosen method and the current load on the network. Additionally, the banking part is taken into account, as a transfer via SEPA is associated with processing in the bank, where a separate percentage for incoming transfers may apply. As a result, the final exchange includes several stages, each of which affects the final outcome.