Buy Bitcoin & Crypto with Bank Account or Credit Card
We suggest using the exchanges listed below or doing research before buying from any exchange.
Many exchanges are simply trying to steal your credit card information!
We do research on every exchange we list and are very careful not to include scam exchanges on our site.
Here’s the deal:
Buying bitcoin (BTC) with a credit or debit card used to be REALLY hard.
Luckily, companies like Coinbase (USA), Bitpanda (Europe & UK) and Coinmama (worldwide)
have made the process smooth and fast.
Below, we’ve listed proven exchanges for buying cryptocurrency with your credit card or debit card.
You’ll need a Bitcoin wallet before you buy since some exchanges require one
Coinbase is the world's largest Bitcoin broker.
At Coinbase you can buy up to $150 or €150 of bitcoin per week instantly with a debit card (not credit card) in:
Coinbase charges a flat 3.99% fee on all purchases via debit card, which is among the lowest for European and US customers.
A quick step-by-step guide on how to buy bitcoins with debit card on Coinbase:
Want to buy on Coinbase? This guide will show you step-by-step in more detail how to use Coinbase.
Coinmama is a bitcoin broker that specializes in letting you purchase bitcoin with a debit or credit card.
You'll be charged a 4.9%-5.9% fee due to the risks and processing fees that come with credit card payments.
Coinmama offers high limits. You can buy up to:
After your account is verified and a purchase is made you will receive your bitcoin within a few minutes
Coinmama is only available in some US states; please see this page for details.
Want to buy using Coinmama? This guide will show you step-by-step how to use Coinmama.
Do you want to buy larger amounts of bitcoins? Try buying with a bank account and you'll save on fees.
There are several types of payment methods that you can link to your Coinbase account:
| Best for | Buy | Sell | Add cash | Cash out | Speed | |
|---|---|---|---|---|---|---|
| Bank Account (ACH) | Large and small investments | ✔ | ✔ | ✔ | ✔ | 4-5 business days |
| Debit Card | Small investments and cashouts | ✔ | ✘ | ✘ | ✔ | Instant |
| Wire Transfer | Large investments | ✘ | ✘ | ✔ | ✔ | 1-3 business days |
| PayPal | Small investments and cashouts | ✔ | ✘ | ✔ | ✔ | Instant |
Please note: We does not accept physical checks or cash as a payment method to purchase cryptocurrency or to transfer cash into a user's USD wallet. Any such checks received will be voided and destroyed.”
If you're still a bit confused, that's okay. Buying crypto is hard.
The FAQ section below should answer all of your remaining questions.
Purchasing with a debit/credit card is one of the easiest ways to buy bitcoins. Also one of the fastest! Since most people understand how to shop online using credit and debit cards, it may be easier for less technical buyers to use credit cards to purchase bitcoins.
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The benefits of using a bank account are fees. Bank account is usually the cheapest deposit method for buying coins. Limits are also usually higher when using a bank account, assuming you have verified your account.
It's hard to buy large amounts of bitcoins with a credit or debit card. Also, the fees are higher due to the risk of fraud and scams.
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The cons are speed. Bank transfers are slow in many countries, so bank transfer is often the slowest way to buy bitcoins.
Credit card will be faster, but has higher fees. Bank account is slower but has lower fees.