eCheck is a popular way to make payments online with little to no fees. An eCheck transfer uses the routing and account number of your bank account to make a payment or deposit and may require a day or two to process fully.

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

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

This ad promotes virtual cryptocurrency investing within the EU (by eToro Europe Ltd. and eToro UK Ltd.) & USA (by eToro USA LLC); which is highly volatile, unregulated in most EU countries, no EU protections & not supervised by the EU regulatory framework.

Investments are subject to market risk, including the loss of principal.

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The Easiest And Most Secure Platform To Buy & Trade Cryptocurrency

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

eCheck account and routing number

Last Update May 28th, 2023. An eCheck is an electronic version of a paper check that is used to make payments online. eChecks are more efficient and less wasteful than normal checks and are often used to make purchases on the Internet.

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

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

Where To Buy Bitcoin With eCheck (Routing And Account Number)

Countries Supported
Etoro Icon ResizedEtoroFree, $5 withdrawal feeWorldwide
CEX IO Icon ResizedCEX.IOFreeWorldwide
Coinbase Icon ResizedCoinbaseFree102 countries (see full list)

How Can I Buy Bitcoin With Echeck?

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

How To Buy Bitcoin With eCheck 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 eCheck as the payment method.

5 Ways To Buy Bitcoin With eCheck

Etoro USA

Etoro USA Homepage - Build A Better Crypto Portfolio
CEO:Yoni Assia
Headquarters:Hoboken, New Jersey
Founders:David Ring, Ronen Assia, Yoni Assia
Customer service:Knowledge Base

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

Deposits may be made via online bank account, wire transfer, PayPal or debit card. 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 USA LLC does not offer CFDs, only real Cryptoassets are available for US users.

Minimum first time deposit for US users is $100 USD and $200 USD for most countries.

Etoro accepts deposits in USD, EUR, GBP, and AUD. Watch this video to get a step-by-step guide on how to buy bitcoin on Etoro.


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


  • Bitcoins can not be withdrawn

Disclaimer: eToro USA LLC; Investments are subject to market risk, including the possible loss of principal. Virtual currencies are highly volatile. Your capital is at risk.


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.

77% 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 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



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



CoinSmart Homepage
CEO:Justin Hartzman
Headquarters:Toronto, Canada
Founders:Justin Hartzman, Michael Koral, Jeremy Koven
Customer service:FAQ, 24/7 Ticket Support and Live Chat

CoinSmart is one of the leading Canadian crypto trading platforms that allows users to buy and sell crypto.

CoinSmart accepts deposits in USD, EUR, GBP, and CAD.


  • Caters to all levels of crypto experience
  • Easy-to-use interface for basic and advanced traders
  • 24/7 Support
  • Low trading fees
  • High fiat transaction limits
  • Fast and secure transactions


  • High fees when purchasing with a credit card or debit card



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


What Is An eCheck?

An eCheck is an electronic version of a paper check that has its own processing time and has less waste than a traditional check and can be used for online payments. An eCheck payment consists of a routing and account number that is used to process payment through the ACH system.

In order to process an eCheck, money is electronically transferred from the sender’s checking account and deposited into the recipient’s checking account while passing through the ACH network.

How An eCheck Works

The eCheck Payment Cycle

How An eCheck Works