Learn how to buy bitcoin with debit card or credit card effectively in one guide

Today, exchanges have made the process of buying bitcoin not only secure but also simple and instant.

If you want to learn how to buy bitcoin and other cryptocurrencies with a debit card or credit card, then that’s exactly what I’m going to show you in this guide.

Everything you need to know to buy bitcoin TODAY.

Best Cryptocurrency Exchange

Paybis icon


A Secure Digital And Cryptocurrency Exchange

Best Bitcoin App

Coinbase icon


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

Best Bitcoin Exchange

CEX IO icon


The Easiest And Most Secure Platform To Buy & Trade Cryptocurrency

Credit Card and Debit Card Icon

Last Update March 3rd, 2024. A debit card or credit card is a convenient way for people to make purchases in-person or online.

Debit card or credit card is also a popular method of payment for buying and selling bitcoin on a number of exchanges.

The most popular exchange for buying bitcoin using a debit card or credit card is Coinbase which has an excellent reputation, low fees, strong security, fast processing times, and a healthy variety of cryptocurrencies to choose from.

Countries Supported
Coinbase Icon ResizedCoinbase3.99%102 countries (see full list)
CEX IO Icon ResizedCEX.IO2.99%Worldwide
Paybis LogoPaybis5.99%Worldwide
Coinmama Icon ResizedCoinmama5.00%Worldwide
Gemini Icon ResizedGemini3.49%Most countries
How To Buy Bitcoin With A Debit Card Or A Credit Card Cover Graphic

How Can I Buy Bitcoin With A Debit Card Or Credit Card?

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

Watch the video to learn how to buy bitcoin with credit card using our top recommendations

How To Buy Bitcoin With Debit Card Or Credit Card On Coinbase Summary

  1. Create an account with Coinbase.
  2. Verify your account.
  3. Add a debit card or credit card as your payment method.
  4. Go to “Bitcoin” and select the amount you want to buy.
  5. Receive bitcoins directly into your Coinbase wallet.

That’s it! You have successfully bought bitcoin using a debit card or credit card as a payment method.

5 Ways To Buy Bitcoin With Debit Card Or Credit Card Instantly

The following are 5 digital currency exchanges that you can visit to purchase bitcoin using a debit card or credit card instantly and securely.


Coinbase Homepage

CEO:Brian Armstrong
Headquarters:San Francisco, California
Founders:Brian Armstrong, Fred Ehrsam
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.


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


  • Support takes time to respond
  • Slow bank transfers


Coinbase Icon

Out of all the exchanges, Coinbase is probably the most accessible and beginner-friendly as they have the backing of a large number of venture capital investors.

As an exchange, Coinbase is very serious about its security and keeps less than 2% of customer funds online and the rest in offline storage. If you are a United States resident, up to $250,000 worth of your cryptocurrency stored on the Coinbase servers is protected by FDIC insurance.

With a VISA or Mastercard debit card, users are able to purchase bitcoin in small amounts and withdraw using a bank account, wire transfer or PayPal. There is no deposit fee charged by Coinbase to move currency onto its platform, so it works well as a wallet too.

Coinbase Pro is a subsidiary of Coinbase. Coinbase Pro gives users access to a simplified coin exchange system for individuals who are comfortable with trading cryptocurrency daily.

Fees & Limits


Purchase MethodFee
Bank Account1.49%
Coinbase USD Wallet1.49%
Debit Card3.99%


Purchase MethodFee
Credit / Debit Card3.99%


Purchase MethodFee
Debit Card3.99%


Purchase MethodFee
Standard Buy/Sell1.49%
Debit Card3.99%
SEPA Bank TransferFree / €0.15


Purchase MethodFee
Standard Buy/Sell1.49%
Debit Card3.99%
SEPA Bank TransferFree / €0.15
Faster PaymentsFree


Purchase MethodFee
Credit / Debit Card3.99%


Purchase MethodLimit
Bank Transfers$1000 / Day
3D Secure Purchases$400 / Week
Card Purchases$400 / Week
PayPal Withdrawals$25,000 / Day
Wire Transfer$250,000 / Wire
Coinbase Homepage

How To Use Coinbase

Step 1: Create an account and confirm your email.

Step 2: Enter your phone number. Coinbase will send you a code. You will then be requested to type in that code to verify your phone number. From this point forward your phone number is used to secure your account with Two-Factor Authentication (2FA).

Step 3: Verify your identity.

Step 4: Once your account is verified, go to your settings and ‘Link a New Account’.

Step 5: Choose debit card as a payment method and enter your card details.

Step 6: Enter a $ amount or BTC amount for how much bitcoin you would like to purchase. Tap on ‘Buy Bitcoin Instantly’.

Step 7: Your purchased bitcoins are added to your wallet instantly on Coinbase.


CEX.IO Homepage

CEO:Oleksandr Lutskevych
Headquarters:London, United Kingdom
Founders:Oleksandr Lutskevych, Dmytro Kalynovskyi, Victoria Polyakova, Peter Ivanov
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.


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


  • Verification procedure requires private information
  • Lengthy verification time


CEX IO icon

CEX.IO is one of the best options for buying bitcoin with your debit card or credit card. CEX.IO has been in operation since 2013 and is based in London, United Kingdom.

CEX.IO gives customers the ability to purchase bitcoin using different currencies including Dollars (USD), Rubies (RUB), Euros (EUR), and Pounds Sterling (GBP) and has six coins listed on its platform including Bitcoin, Bitcoin Cash, Ethereum, Ripple, Litecoin, and Bitcoin Gold.

With over 3 million users, CEX.IO offers a high level of security, a good liquidity policy, and cross-platform trading through its website and mobile app (available on both iOS and Android).

The verification process of CEX.IO is quite extensive and requires about thirty minutes to complete.

Fees & Limits


Purchase MethodDepositsWithdrawals
VISA2.99%3% + $1.20
Mastercard2.99%1.8% + $1.20
Bank Transfer$00.3% + $25.00
ACH Bank Transfer$0$0


Purchase MethodDepositsWithdrawals
Mastercard2.99%1.8% + €1.50
Bank Transfer€00.3% + €25.00
SEPA Bank Transfer€0€0


Purchase MethodDepositsWithdrawals
VISA2.99%3% + £2.10
Mastercard2.99%1.8% + £2.10
Bank Transfer£00.3% + £25.00
Faster Payments£0£0


Purchase MethodMinimum Daily DepositMaximum Daily Withdrawal
ACH Bank Transfer$20$100,000
Faster Payments£20£250,000
SEPA Bank Transfer€20Unlimited

Account Limits

Account TypeDaily DepositDaily Withdrawal
CEX.IO Homepage

How To Use CEX.IO

Step 1: Create an account. Check your email to confirm your account.

Step 2: Go to the ‘Cards’ tab on the menu. Click on ‘Add new card’.

Step 3: Enter your debit card information. CEX.IO accepts both VISA and MasterCard. Click proceed.

Step 4: You will need to verify your card and identity with a selfie.

Step 5: Once your card is successfully verified you can deposit funds or purchase bitcoin directly.

Step 6: Go to the buy/sell tab or your payment card and make sure ‘payment card’ is the payment method. Enter the amount you would like to deposit or purchase.

Step 7: You will then be asked to confirm your payment method and 3-4 digit CVV/CVC code. Place the order.

Step 8: After the order is placed you have officially deposited cash or purchased bitcoin instantly on CEX.IO.


Paybis Homepage

CEO:Innokenty Isers
Headquarters:Glasgow, United Kingdom
Founders:Innokenty Isers, Konstantins Vasilenko, Arturs Markevics
Customer service:Knowledge Base

Paybis is a digital and cryptocurrency exchange that specializes in fast and reliable transactions while providing a large number of payment options.

Paybis accepts deposits in USD, EUR, CAD, GBP, and JPY.


  • Large purchasing limits
  • Wide range of payment options
  • Intuitive and user-friendly interface
  • Global support
  • 24/7 Multilingual customer service


  • Bank transfers can take 1 to 5 days to complete
  • Above-average fees


Paybis Icon

Paybis is a crypto exchange that aims to facilitate the exchange of cryptocurrencies (and digital currencies) for users worldwide. In order to provide a fast and reliable service, they offer an interface that is easy to use, coupled with an automated KYC system that takes just a few minutes to verify your account.

Furthermore, as a UK-based company, it’s fully regulated and compliant with European Anti Money-Laundering laws. This certainly inspires confidence as far as safety is concerned.

As a non-custodial service, Paybis doesn’t require the creation of a wallet on their platform. Instead, they send crypto directly to your personal wallet. So make sure you create one before you begin your first transaction. This is a great feature, as you remain fully in control of your funds at all times.

One of the biggest advantages of the platform is their wide range of payment options. You can choose from credit and debit cards, but also some popular e-wallets like Skrill, Neteller, Payeer, and AdvCash.

Finally, the platform also provides one of the best customer services around, with a 24/7 live chat option in multiple languages.

When you head over to the Paybis website, you will be met with a clean 1-page interface. Everything is concisely presented. It’s a great approach, as you can select any payment method simply by choosing from the drop-down menu.

Fees & Limits


Purchase MethodFee
Credit Card or Debit Card5.99%

Minimum Purchase

Purchase MethodMinimum Purchase
Credit Card or Debit Card$70

Maximum Purchase Limits

Paybis Homepage

How To Use Paybis

Step 1: Register on Paybis and fill in the required information. You can speed up the process by using your Facebook or G+ account to login instead.

Step 2: Log in to your newly created account and start a transaction, after selecting your payment and payout method.

Step 3: Go through a quick ID verification and enter the information of your payout option.

Step 4: All that is left to do now is follow the on-screen instructions and complete the payment. Your funds will be delivered as soon as we receive your payment.

That’s it! You have successfully completed a transaction on Paybis.

To wrap up, Paybis has been proven to deliver. The overwhelmingly positive customer feedback is a good sign that Paybis is one of the best exchanges to buy Bitcoin with credit or debit card.


Coinmama Homepage

CEO:Sagi Bakshi
Founders:Laurence Newman, Nimrod Gruber, Ilan Schuster
Customer service:24/7 email support and Knowledge Base
More information:Read Review

Coinmama specializes in selling Bitcoin and cryptocurrencies instantly with a credit card, or with bank transfer and is one of the most popular exchanges in the world.

Coinmama accepts all currencies, in particular, USD, EUR, GBP, CAD, AUD, and JPY.


  • Available worldwide
  • High purchasing limits
  • Dependable and trustworthy
  • Excellent leadership and customer support
  • Fast and secure transactions


  • High fees when purchasing with a credit card or debit card
  • Delay in processing time


Coinmama Icon

Coinmama is a bitcoin exchange that allows customers to buy bitcoin with a debit card, credit card, or bank account. Coinmama has been in operation since 2013 and is based in Tel Aviv, Israel.

Different packages are offered on Coinmama for buying bitcoin. You are also allowed to specify the amount of bitcoin you want to purchase.

Coinmama does not provide you with a digital wallet to store your purchased bitcoin. Instead, the exchange will ask for a wallet address. We recommend using a cold wallet for the wallet address, but ultimately the choice is yours to make.

Overall, the Coinmama platform has excellent customer service should you have any questions and is a reputable and secure platform for buying bitcoin with a debit card or credit card.

Fees & Limits

Momentum Fee

Purchase MethodFee
Credit Card / Debit Card5%
SEPA Bank Transfer$0
Faster Payments$0

Minimum Purchase

Purchase MethodMinimum Purchase
Credit Card / Debit Card$50
SEPA Bank Transfer$50
Faster Payments$50

Account Limits

Transaction TypeLevel 1Level 2Level 3
Overall Account Spending Limit$15,000$50,000$1,000,000
Daily Spending Limit$5,000$5,000$7,500
Monthly Spending Limit$15,000$30,000$40,000
Maximum # Of Daily Orders555
Maximum # Of Monthly Orders203030
Coinmama Homepage

How To Use Coinmama

Step 1: Create an account on the platform using your email, name, and country of residence. Check your email for account verification.

Step 2: Verify your identity. A driver’s license, state ID or passport is required.

Step 3: Click on the ‘Bitcoin’ button on the menu to proceed to the purchase screen.

Step 4: Various packages will be displayed. Choose your preferred plan or enter your desired amount of bitcoin in $ or BTC.

Step 5: Enter your wallet address to receive bitcoin.

Step 6: Enter your card information. Click ‘Pay Now’ when you are finished.

Step 7: Congratulations! You have officially purchased bitcoin on Coinmama.


Gemini Homepage

CEO:Cameron Winklevoss, Tyler Winklevoss
Headquarters:New York, New York
Founders:Cameron Winklevoss, Tyler Winklevoss
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 accepts deposits in USD, AUD, CAD, EUR, GBP, and HKD for trading.


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


  • Exclusive to a limited number of countries


Gemini Bitcoin Exchange

Gemini has been in operation since 2014 and is developed, licensed, and regulated in New York, New York. Gemini is one of the most convenient and popular platforms for buying and selling bitcoin in the world. Through its simple and intuitive interface, customers can acquire cryptocurrencies in minutes for themselves.

Gemini enforces the highest security standards for the protection of your data. Gemini supports a multitude of currencies including USD, AUD, CAD, EUR, GBP, HKD, and SGD.

To get started with buying bitcoin on Gemini you will need to upload a form of identity verification, proof of residency, and a bank statement.

Fees & Limits


Purchase MethodFee
ACH Bank TransferFree
Wire TransferFree
Debit Card3.49%

Maximum Purchase Limits

Purchase MethodLimit
ACH Bank Transfer$5,000 / Daily, $30,000 / Monthly
Wire TransferNo Limit
Debit Card$1,000 / Daily
Gemini Homepage

How To Use Gemini

Step 1: Create an account.

Step 2: Fill in the required profile information.

Step 3: Verify your identity by uploading a valid driver’s license, passport or state ID.

Step 4: Head over to the ‘Market’ tab and pick ‘Bitcoin’ as your crypto. Select ‘Trade’ as your option and ‘Buy’. Choose the amount you would like to purchase in $ or BTC and choose a one-time or recurring purchase.

Step 5: Enter your card details. Finalize your order.

Step 6: You have successfully purchased bitcoin on Gemini.

Recap Of The 5 Best Exchanges For Buying Bitcoin With Debit Card Or Credit Card

Buying bitcoin with a smart phone using debit card or credit card

The following is a list of the top 5 exchanges that you can use to buy or sell bitcoin instantly using a personal debit card or credit card as a payment method. Each exchange is supported worldwide and some have mobile apps that you can download. Go to the official website of each one to learn more.

ExchangeFounding DateSupported Countries
CEX IO2013Worldwide

Where Can I Buy Bitcoin With A Debit Card Or Credit Card Instantly?

Coinbase is one of the most popular exchanges and apps for buying bitcoin via debit card or credit card and has over 30 million customers.

Where Can I Go To Buy Bitcoin With A Debit Card Or Credit Card With Low Fees?

CEX.IO is a popular exchange with fees as low as 2.99% when buying bitcoin using a debit card or credit card as a payment method.

Is It Safe To Purchase Bitcoin With A Debit Card Or Credit Card?

Using your debit card or credit card to purchase bitcoin from a digital exchange is preferred because it is instant and uses funds directly from a bank account or credit line. It is safe if the exchange you do business with can guarantee the safety of both your card and bitcoin.

Can I Buy Bitcoin With A Debit Card Or Credit Card With No ID Or Verification?

Under applicable AML and KYC law if you do not upload a photo ID for identity verification you will not be able to purchase bitcoin directly from an exchange.

Can I Buy Bitcoin With A Debit Card Or Credit Card Anonymously?

All exchanges will ask for some form of identity (i.e. name, identification, IP address, etc) before you can purchase cryptocurrency.

Apps For Buying Bitcoin With Debit Card Or Credit Card Instantly

Here are some of the most popular exchanges that have apps available for download and give customers the ability to buy bitcoin using debit card or credit card as a payment method.

ExchangeDownload App
CoinbaseiOS, Android
CEX IOiOS, Android
CoinmamaiOS, Android
GeminiiOS, Android

Best Overall Exchange For Buying Bitcoin With Debit Card Or Credit Card

Coinbase Company Official Logo

With over 30 million customers, in terms of reputation, overall fees, security, and processing time our most recommended exchange to buy bitcoin with a debit card or credit card is Coinbase.

Factors To Consider Before Buying Bitcoin With A Credit Card

Since credit is issued by a bank or lender, you should only buy bitcoin with a credit card as a payment method if you can afford the risks involved.

Some of the risks associated with purchasing bitcoin using a credit card include the following:

  • Credit card cancellation
  • Lowered limits
  • Transaction fees
  • Foreign transaction fees
  • Cash advance fees


Buying bitcoin with a debit card or credit card is a dependable and effective method for purchasing bitcoin. If you decide to use a debit card or a credit card as a method of payment to buy bitcoin, remember to compare the features and benefits of each exchange and select the one that is best for your needs.