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ACH is a popular way for citizens of the United States and many other countries to send and receive payments using the money in their bank account.

In this guide, we are covering the best ways you can buy bitcoin directly using ACH.

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Etoro

The World’s Leading Social Trading And Investment Platform For Cryptocurrency

75% of retail investor accounts lose money. Cryptocurrencies are a highly volatile unregulated investment product. No EU investor protection.

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CEX.IO

The Easiest And Most Secure Platform To Buy & Trade Cryptocurrency

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Coinbase

The World’s Leading Cryptocurrency Exchange Trusted By Over 30 Million Users

Last Update May 27th, 2020. ACH is a popular method of payment for banking customers in the United States and various other countries around the world.

ACH is also a popular method of payment for buying and selling bitcoin instantly and securely.

If you are buying or trading bitcoin in high volumes with ACH transfer our recommendation is to use Etoro or CEX.IO for your trading needs.

Where To Buy Bitcoin With ACH Transfer

 
Company
Fees
Countries Supported
Etoro Icon Resized
Etoro

Free, $5 withdrawal feeWorldwide
CEX IO Icon Resized
CEX.IO

FreeWorldwide
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Coinbase


Free102 countries (see full list)
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Gemini


FreeUnited States, United Kingdom, Canada, Hong Kong, Singapore, South Korea
XCOINS Icon Resized
XCOINS


2.9% + $0.3040 countries

How Can I Buy Bitcoin With ACH Bank Transfer?

If you want to buy bitcoin using ACH then you have to find a reputable exchange or marketplace that will let you do it.

How To Buy Bitcoin With ACH On Etoro Summary

  1. Create an account with Etoro.
  2. Verify your account.
  3. Connect your bank account and fund your trading portfolio.
  4. Go to ‘Bitcoin’ and select the amount you want to buy.
  5. Bitcoins are added to your Etoro portfolio.

That’s it! You have successfully purchased bitcoin with ACH transfer as the payment method.

6 Ways To Buy Bitcoin With ACH

Etoro USA

Etoro USA Homepage

Rating:

Website:etoro.com
CEO:Yoni Assia
Headquarters:Hoboken, New Jersey
Founders:David Ring, Ronen Assia, Yoni Assia
Founded:2007
Customer service:Knowledge Base

Since 2007, Etoro has been democratizing traditional money management in order to open the financial markets to everyone, everywhere.

The Etoro US platform supports cryptocurrency trading only for now, but plans to add additional asset classes within the year are already in the works.

Deposits may be made via online bank transfer, wire transfer, e-wallet (PayPal, Skrill, or Neteller), or bank card and the minimum deposit amount is $50. Customers may withdraw funds from their Etoro account at any time, and without fees from the platform (though charges from your bank may apply).

Etoro accepts deposits in USD, EUR, GBP, JPY, AUD, RUB, CNH, and CAD.

Pros

  • Diverse selection of markets
  • Excellent reputation
  • User-friendly interface
  • Great customer support
  • Low fees

Cons

  • Bitcoins can only be withdrawn in the form of fiat currency

Disclaimer: Transacting in virtual currencies is subject to various risks, such as price volatility, and is therefore not suitable for everyone. Your capital is at risk.


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Disclaimer: eToro is a multi-asset platform which offers both investing in stocks and cryptocurrencies, as well as trading CFD assets.

Please note that CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage.

75% of retail investor accounts lose money when trading with this provider. You should consider whether you understand how CFDs work, and whether you can afford to take the high risk of losing your money.

Cryptocurrencies are a highly volatile unregulated investment product. No EU investor protection.

eToro USA, LLC does not offer any CFDs and makes no representations and assumes no liability for the accuracy or completeness of the content of this publication, which was created by our partner using publicly available, non-company specific information about eToro.

CEX IO

CEX.IO Homepage

Rating:

Website:cex.io
CEO:Oleksandr Lutskevych
Headquarters:London, United Kingdom
Founders:Oleksandr Lutskevych, Dmytro Kalynovskyi, Victoria Polyakova, Peter Ivanov
Founded:2013
Customer service:Knowledge Base
More information:Read Review

CEX.IO is a multifunctional cryptocurrency exchange that is trusted by millions of customers worldwide and allows users to buy bitcoin with a credit card or debit card seamlessly.

CEX.IO boasts multiple payment options (SWIFT, SEPA, ACH, Faster Payments), 24/7 customer support, and proven platform stability.

CEX.IO accepts deposits in USD, EUR, GBP, and RUB.

Pros

  • Established and trustworthy
  • Supported worldwide
  • Low fees
  • Simple credit card purchases
  • Clean user interface

Cons

  • Verification procedure requires private information
  • Lengthy verification time

ReputationFeesPrivacyLimits
ExcellentLowHighHigh

Coinbase

Coinbase Homepage

Rating:

Website:coinbase.com
CEO:Brian Armstrong
Headquarters:San Francisco, California
Founders:Brian Armstrong, Fred Ehrsam
Founded:2012
Customer service:Knowledge Base
More information:Read Review

Coinbase is the dominant U.S. cryptocurrency exchange that is known, used and trusted by millions of customers worldwide. The world-class user interface is both colorful and accessible and there is even a mobile app available for Android and iOS.

Coinbase accepts deposits in USD, EUR, GBP, CAN, AUS, and SGD.

Pros

  • Established reputation
  • User-friendly interface
  • High liquidity
  • Large purchasing limits
  • Strong security

Cons

  • Support takes time to respond
  • Slow bank transfers

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ExcellentLowHighHigh

Gemini

Gemini Homepage

Rating:

Website:gemini.com
CEO:Cameron Winklevoss, Tyler Winklevoss
Headquarters:New York, New York
Founders:Cameron Winklevoss, Tyler Winklevoss
Founded:2014
Customer service:Knowledge Base

Gemini is a simple, elegant, and secure way to build your bitcoin and crypto portfolio. Gemini has low fees and a strong reputation.

The dashboard makes it easy for investors to view a snapshot of their holdings upon login.

Gemini currently accepts deposits in USD for trading.

Pros

  • Ability to set real-time market limit orders
  • Low fees
  • Clean user interface
  • Strong reputation
  • Great customer support

Cons

  • Exclusive to a limited number of countries

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ExcellentLowHighHigh

XCOINS

XCOINS Homepage

Rating:

Website:xcoins.io
CEO:Sergey Nikitin
Headquarters:Santa Monica, California
Founders:Sergey Nikitin
Founded:2016
Customer service:Knowledge Base

XCOINS is a peer to peer lending platform on which buyers can buy bitcoins from sellers.

XCOINS accepts loan security deposits and purchases in USD.

Pros

  • Simple to get started
  • A fast way to acquire bitcoins
  • Great for making extra money on the side

Cons

  • High fees are incurred
  • There is a low transaction limit for new users

ReputationFeesPrivacyLimits
ExcellentHighHighHIgh

Paxful

Paxful Homepage

Rating

Website:paxful.com
CEO:Ray Youssef
Headquarters:New York, New York
Founders:Ray Youssef, Artur Schaback
Founded:2015
Customer service:Knowledge Base
More information:Read Review

Paxful is a person-to-person marketplace that supports over 300 payment methods.

Paxful gives vendors the ability to create offers in all currencies.

Pros

  • Escrow system
  • Security
  • Diverse payment methods
  • Simple user interface (UI)
  • Wide variety of sellers

Cons

  • Buyers and sellers are at risk of being scammed

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ExcellentLowHighHigh

What Is An ACH Transfer?

An Automated Clearing House (ACH) transfer is an electronic bank-to-bank transfer. The ACH system is designed to accept payments in batches and includes payments such as direct deposits, payroll, retail, and vendor payments.

How ACH Works

Where ACH Works

ACH systems can be found all over the world in various countries on different continents. Below you can find the full list of countries that use the ACH banking system.

  • Albania
  • Argentina
  • Australia
  • Austria
  • Bahamas
  • Bangladesh
  • Belgium
  • Brazil
  • Bulgaria
  • Canada
  • Cayman Islands
  • Chile
  • China
  • Colombia
  • Croatia
  • Czech Republic
  • Denmark
  • Egypt
  • France
  • Germany
  • Greece
  • Hungary
  • Hong Kong
  • India
  • Iran
  • Israel
  • Italy
  • Japan
  • Latvia
  • Mexico
  • Moldova
  • Netherlands
  • Nigeria
  • Pakistan
  • Philippines
  • Poland
  • Portugal
  • Peru
  • Macedonia
  • Romania
  • Saudi Arabia
  • Singapore
  • Slovenia
  • South Africa
  • South Korea
  • Spain Sweden
  • Switzerland
  • United Kingdom
  • United States
  • Venezuela