Buying Bitcoins with Credit or Debit Card

The process of buying bitcoins with credit or debit card is so easy because there are so many bitcoin exchanges that accept credit cards. This simple bitcoin guide will tell you the best ways of buying bitcoins with credit or debit card, so keep reading!

When it comes to bitcoins, one of the fastest ways to get them is through credit or debit card purchases. The method is instantaneous, cheap and reliable for both sides of the trade.

Buying bitcoins with сredit or debit сard

The credit/debit card is not something new in the digital world; many shopping websites have integrated the bank card payment as part of their processes. The bitcoin markets have recognized the customer’s preferences with this method and have thus exerted the effort to include this way of bitcoin purchases in their portfolio. As a result, most (if not all) well-known BTC exchange brokers are now offering the CC purchases channel to its customers.

This article shall provide you with step by step guides on how to buy bitcoin with a credit card and what exchangers offer the BTC purchase method, their fees, location coverage, pros, and cons when purchasing BTC with credit/debit card.

BTC Exchanges with Credit/Debit Card

Since 2009, bitcoin has grown in popularity within the investor sector due to its un-centralized nature. The cryptocurrency is not controlled by any government, is traded as an asset and can be used as a mean for customers to purchase goods and services online.
(email verification is needed as well).
The infrastructure of the BTC has expanded tremendously in the last few years, with various exchanges offering their services all over the globe. These brokers are now offering purchase methods that go from cash to credit/debit card purchase methods.

The bank cards have only recently been introduced due to the lack of banking support for the cryptocurrency and high fees imposed on the brokers who wished to trade BTC through this channel. Now, almost every web platform supports the CC purchase and even offer relatively low fees, ranging from 1% to 6%, depending on the exchanger’s regional coverage, volume traded and currency.


One of the most well-known BTC brokers, Coinbase offers its services in few selected regions of the world, with purchase limitations set at $150 and/or €150 per week. The fees stand at 3.99% of the value of the CC purchase, no matter the currency used (note that there are other currencies allowed for BTC transaction, depending on the trader’s location). Exchange covers United States, Canada, Europe, UK, Australia, and Singapore.

Coinbase bitcoin exchange credit or debit card


  • “Instant Buy” option available;
  • high liquidity of BTC.


  • ID verification required and transaction activities could be recorded;
  • limited global coverage.

Deemed as one of the oldest bitcoin exchange offices in the world, offers its services to US, Europe and partially in South America. Amongst other purchase methods, the platform allows the BTC trade with credit/debit cards with $300 daily and $1,000 monthly purchase limits (with verification $10,000 daily and $100,000 monthly). The fees stand at 3.5% + $0.2. bitcoin exchange credit debit card


  • low CC fees compared with other competitors;
  • high limitations if account if fully verified.


  • extensive and long verification process (estimated 30 minutes, selfie required);
  • GBP offers lack liquidity.


An interesting exchange that offers high limitations, even for purchases done anonymously. The limits currently stand at $5,000 daily and $20,000 monthly though you should take into consideration the high credit/debit card purchase fees of 7%. Although available globally, it is one of the rare brokers that does not offer its services in the US.

Buying bitcoins credit debit card Coinmama


  • global coverage;
  • high limits for credit/debit card purchases.


  • high purchasing fees of 7%;
  • no coverage of 28 states in the United States.


BitPanda is one of the most renowned European BTC brokers, who is based in Austria. The exchange offers the credit/debit card purchases at 3% to 4% fees from transaction value (hidden in BTC price) with various levels of BTC buying limitations, depending on user’s verification stage. Note that email verification would not grant you the buying rights while phone verification would give you €50 daily. The largest limit is acquired through ID verification, by which trader would secure €350 daily and €10,000 monthly limits.

BitPanda bitcoin exchange credit or debit card


  • low BTC credit/debit card fees;
  • different levels of limitations based on verification.


  • fees are not transparently presented;
  • full verification needed for high purchase limits;
  • service available in Europe only.


Based in France, this European broker offers credit/debit purchases of BTC through unique 3D bank card security, allowing for a safe trading environment for bitcoin investors. Due to the higher security, exchange charges traders between 6% and 10% depending on the purchase program chosen. Limitations depend on the verification stage that could go up to €2,000 daily and €10,000 monthly.

Coinhouse bitcoin exchange credit or debit card


  • 3D security purchases;
  • a wide variety of purchase options.


  • high fees (between 6% and 10%);
  • extensive verification needed.


This exchange does not offer direct bitcoin purchases but via Second Life Lindens (SLLs) who are used in a virtual world called Second Life. The trader would first purchase SLL and then would trade the SLL with BTC. Although known for its PayPal availability, the bank cards are also available option to purchase coins on this platform, with fees ranging from 3.5% + €0.39.

VirWox bitcoin exchange credit or debit card


  • multiple coin trade possible;
  • low transaction fees.


  • complex SLL + BTC purchase process;
  • low limits at the beginning stage of trade.


The broker has just recently opened credit/debit card purchases as an option for its customers. The platform supports USD and EUR transactions, while the covered regions are the UK, Slovenia, Germany, and Italy only. Limitations could go up to $300 daily and $1,500 weekly at the transaction fee of 8%.

Bitstamp bitcoin exchange credit or debit card


  • fully verified accounts have very high purchasing limitations;
  • multiple currencies accepted (USD and EUR).


  • extensive verification needed;
  • a high transaction fee of 8%;
  • limited regional availability.


Another bitcoin exchange that is available globally, but not in the USA. The 247Exchange has a credit/debit card purchases option feed at 7% + $0.5 with limits depending on how old age of account is. Beginners would get $150 daily and $300 monthly limits, while at the end of the month, the limits would go up to $3,000 daily and $30,000 monthly.

247exchange bitcoin exchange credit or debit card


  • available globally;
  • high limitations.


  • high transaction fees of 7%;
  • the long verification process;
  • not available in the US.

The poses as a useful source of information concerning exchange brokers and BTC trends that traders should follow in order to create profitable bitcoin business. The site does not offer directly BTC purchasing but rather offers a summary of options available within the BTC market at the moment, with a detailed list of brokers available.


  • detailed list and summary of exchanges;
  • highly informative concerning bitcoin trends.


  • no BTC purchases offered;
  • does not provide in-depth information about exchanges.


Another European exchanger (based in the UK) that offers credit/debit card purchases through 3D card security, though at more regular transaction fee of 4%. The limitations in this platform are set by the days active in the BTC trade, starting at $50 and growing towards unlimited trading after 30 days. The broker offers its services globally with no ID verification needed to pursue BTC trade, making it one of the most popular web exchanges for bitcoin purchases.

IndaCoin bitcoin exchange credit or debit card


  • no purchase limitations after 30 days;
  • 3D card security;
  • no verification nor registration needed.


  • could be very confusing for beginners as the site is very technical;
  • not available in the US.


Based in Poland, the European BTC broker charges transactions with credit/debit card at the 5% of the transaction value with limits being 5,000 EUR or USD daily and 20,000 EUR or USD monthly. Exchange offers the services in the UK as well, though currencies that are accepted are only Polish Zloty, USD, and EUR.

BitBay bitcoin exchange credit or debit card


  • high limitations;
  • multiple currencies accepted.


  • extensive verification needed;
  • limited regional availability (Poland and UK only).

Guide: Buy Bitcoins with Credit/Debit Card via Coinbase

First, you need to create your own account at Coinbase at their sigh-up page. Provide the requested personal information to proceed towards next stage.

Creating an account on Coinbase

Once you finalize email verification, search for your name on the top right corner of the page and choose “Payment Methods” in order to add your bank card by providing the needed credit/debit card information and then verify the card.

Coinbase payment method PayPal Bank account credit debit card

Coinbase credit card payment method

As you verify credit/debit card, seek the buying page called “Buy bitcoin Instantly” and put the amount you wish to buy. As the transaction is carried out, you will find freshly purchased BTC in your wallet.

Coinbase buy bitcoin with bank account

Selection of a Bank for the payment of bitcoins

Get BTC Through with a Credit or Debit Card?

To start the process, click on “Card Manager” that is located on the top right menu list and fill out your credit card information. In next step, you would need to attach your scanned ID and verify it. credit debit card payment method

Entering the card information

Once your card and ID are verified, you can now deposit the desired amount for bitcoin transaction and proceed to choose credit/debit card as a payment method.

Choosing desired amount for bitcoin transaction

Once you have successfully transferred the funds, click the “Buy/Sell” button and purchase the desired bitcoin amount and watch as they fill your BTC wallet.

Get BTC through

Buying Bitcoins with a Credit/Debit Card on Coinmama

You would need to create your account and fill out your personal information to be able to trade in Coinmama.

Creating an account on Coinmama

After the profile completion, click “Buy bitcoins” in the navigation bar at the top of the page and set the bitcoin amount you wish to trade.

Setting the bitcoin amount wish to trade

Next step would be to choose your payment method and to add your wallet address.

Coinmama credit card payment method

Coinmama order in processCoinmama verification process

In the following step, fulfill your billing information and address, enter the credit card information and verify your phone, email and scanned ID.

Coinmama billing info verification

Coinmama credit card payment details

Coinmama email and phone verification

Coinmama debit card payment being processed

Coinmama simplex payment request submitted

Once your verification has been confirmed, you will receive a confirmation email where your bitcoin transaction has been carried out and your verification process has been finished.

Coinmama verification review personal details

Coinmama credit card payment SMS code

Purchase BTC with a CC/DC at BitPanda

To start trading at BitPanda, you would need to open your account and to verify your email address. After the verification, click “Visa/MasterCard” payment method in the “Buy” section on the top menu bar.

BitPanda buy bitcoin credit card

Then, find the CC/DC payment method, enter and confirm a number of bitcoins you wish to purchase.

Choosing a payment method at BitPanda

You would be asked to verify the exchange rate and amount chosen as an another security step (you’ve got only 60 seconds).

Verification the exchange rate and amount

In next step, you will be asked to verify your purchase through a PIN code that you would receive by SMS.

Confirming purchase with SMS As you complete the PIN code security step, click “Click here to start the payment process” and wait for the email that would alert you to start.

Starting the purchase process

As you start, enter your CC details through mPAY24 and press “Bezahlen” to complete your purchase process.

Order Bitcoin through Coinhouse (Credit/Debit Card)

As with most Exchange websites, you need to create an account at Coinhouse to start trading with bitcoins. After account, verify your email and ID through scanned ID document with you holding the card (do a selfie).

Coinhouse account verification

Optionally, you would be asked to also provide utilization bill as a proof of your current location (the address you live at the moment).

Coinhouse verification personal details identity

Next, provide your bitcoin wallet address as you can receive bitcoins only with your wallet location known.

Now choose the CC/DC payment method in the purchasing method section and click on “Add Payment Method” to add your credit/debit card. Provide details and verify the bank card.

As the CC gets verified, your transaction will be processed automatically, funds exchanged with BTC, and the amount stored in your BTC wallet.

How Can You Buy BTC with a CC/DC at VirWox?

The purchasing process at VirWox starts with account creation by clicking “Not registered yet?” option where you should enter your username and email details.

Creating an account in WirWox

As you log in, go to “Deposit” section and click “Credit Cards/Debit Cards” and enter the amount of money you wish to deposit for bitcoins (calculate the needed amount earlier).

Going to “Deposit” section

In next step, buy Second Life Lindens (SLLs) by clicking on “SLL/USD Exchange” and exchange SLLs with BTC.

Exchange SLLs to BTC

Buy Bitcoins on Bitstamp with a Credit/Debit Card

To start trading bitcoins in Bitstamp, you are required to register your account and email within the website (email verification is needed as well).

Registration of an account on Bitstamp

Next, click “Deposit” to your account page and then click “Buying” to choose credit/debit card depositing method.

Choosing credit/debit card depositing method

Once you have been directed to the CC/DC page, fill out your bank card details and enter a number of bitcoins you wish to purchase. Once the card verification process finalizes, your transaction shall be carried out, resulting in bitcoins being transferred to your BTC wallet.

Selecting amount

Bitstamp personal information verificationBitstamp verify account

How to Get Bitcoins with a CC/DC at 247Exchange

The BTC purchasing in this site starts with an amount of bitcoins you wish to purchase. Click “Buy” option and then fill out boxes with information about your email, bitcoin amount you wish to purchase and CC purchase method.

Purchase bitcoins through 247Exchange

After the page has been filled, click “Make Order” and proceed to the ID and phone number verification. Once verified, you will be directed to next page where you need to fill out your CC details and verify the card. The transaction shall be carried out once the verification process is done, transferring BTC to your wallet.

Buying Bitcoins with a Credit/Debit Card via

The does not offer direct purchase of BTC as of yet but rather specializes in the identification and analysis of bitcoin trends, news, and exchangers. On the main page, you will find useful information about various brokers, pros, and cons as well as the links to their main pages.

Information about various brokers on

How to Buy BTC via IndaCoin with a Credit or Debit Card

To start trading in IndaCoin, firstly you would need to choose a bank card purchase method and the amount in USD that you wish to get bitcoins with. Next, give your email and bitcoin addresses and then click “GO”.

Trading bitcoins via IndaCoin

Confirm the email you gave and fill out your bank card information.

Filling in information about the bank card

As you verify your email and bank card, the transaction shall be carried out automatically, so make sure you check all the details as well as the bitcoins and its price before you proceed towards the transaction end

How to Purchase BTC with a Credit or Debit Card via BitBay

To be able to trade bitcoins in BitBay, you need to register yourself first, by clicking „Create an Account” button at the top of the page. Provide the requested details and then verify your account by clicking the confirmation link that was sent to your email.

Next, choose „Deposits” from the unfolding menu on the left, choose a CC/DC method and type the amount of bitcoins you wish to purchase. After the card verification, your transaction shall be carried out and bitcoins transferred to your BTC wallet.

Create an account on BitBay

How Else Can I Get Bitcoins?

Though instantaneous, CC/DC method might not be a method that suits everyone, thus other purchase ways are available for traders in most of the exchange websites. Methods vary in fees, duration of transaction and currencies available to purchase BTC with. The most used methods are cash payments, PayPal, NETELLER, ATM machines, bank transfers, P2P personal transactions and many other options depending on the exchange broker and location of the trader.

Make sure you review all methods that are available for you at the moment since some brokers offer different purchase methods for different regions. Fees and speed of transaction also vary from method to method, so include their perks as well as the disadvantages when calculating the most profitable tool tom purchase BTC with.

So Which Exchange to Use?

There is no single best place where to buy bitcoins with credit cards (Visa, Maestro, and MasterCard). The article has identified some of the most renowned BTC brokers in the market, with pros and cons each of them has concerned with credit/debit card.

Each exchanger has something to offer for traders that are unique when compared to other competitors, so make sure you review all of them when looking for BTC. Check if their services are available in your region and if they provide security when purchasing the BTC with CC/DC.

BTC Exchange Deposit Fees Countries
Coinbase Logo Coinbase 3.99% (credit card), 1.49% (bank account) USA, Canada, Australia, UK, Europe, Singapore Logo 3.5% + $0.25 (credit card), free (bank transfer) USA, Global
Coinmama Logo Coinmama 7.25% fee, minimum 10 USD (credit card) USA (22 states), Global
LocalBitcoins Logo LocalBitcoins 1% plus transaction fees USA, Global
BitPanda Logo BitPanda 3-4% (credit card), small surcharge (SEPA, EPS) UK, Europe
Coinhouse Logo Coinhouse 6-10% (credit card) UK, Europe
Kraken Logo Kraken $5 (wire), free (SEPA) USA (37 states), UK, Europe

BTC with Credit or Debit Card FAQ

Benefits and Shortcomings


  • credit or debit card purchase method is instantaneous;
  • experience is very similar to other online shopping activities;
  • relatively small transaction fees depending on the broker.


  • limitations are small if the trader wishes to avoid ID verification;
  • some brokers charge high transaction fees;
  • there is a possibility of bank card details theft if a broker is new in the market.

What Are the Risks?

The BTC broker would ask for credit/debit card information for the transaction to be complete and would thus have an access to the bank card information. The bank card theft is common among new exchange websites, thus virtual credit card would suffice as a protection measure.

Theft of bank card data

Some brokers have also been hacked and customer information stolen from their databases alongside with bitcoins stashed in those platforms. The hack events are rare, but they have occurred in the past, thus Brokers that invest in their security should be considered when you search for the BTC provider.

Anonymous Bitcoins Purchase with CC/DC

Some brokers offer bank card purchases without ID verification or even without phone or email details from traders, allowing for anonymous purchases of bitcoins. Do note that those brokers do have either a low limit on amounts of BTC available for purchase and/or high transaction fees. The privacy is viewed as added value service and is feed accordingly, from 6% to 10%, depending on the broker (CoinMama charges 7% and has $150 limit for example).

Can You Get BTC with a Prepaid Credit/Debit Card?

Yes, you can though the number of brokers who accept them is very limited and the purchase of BTC with a prepaid bank card is usually followed by high transaction fees. The reason for reluctance is the postponed fund transfer from your bank account to their funds, pushing traders to have higher bargaining power in the BTC trade process.

High transaction fees

Bitcoins and Multiple Exchanges

You would be even advised to combine various exchanges that are available to you once you get a hang on the BTC trading processes. The main benefit would be larger reach in the bitcoin markets as you would combine different exchanges. Their BTC prices vary in prices which you can use to buy bitcoin with a credit card from brokers with low prices and sell BTC to those with high bitcoin prices.

Can You Buy BTC with Stolen Credit Card?

No, and we strongly recommend not to do so as it is illegal to make transactions with stolen CC/DC. Additionally, the details could be potentially shared with other parties who could use the card to transfer funds from your bank account to theirs.

Purchase Bitcoin with Credit/Debit Card Without Verification

It is quite possible to find bitcoin exchange that would offer BTC bank card purchases without any kind of verification needed, apart from the short card verification. Take care that these brokers usually offer very low limits on the purchase amounts of bitcoins and are involved with high transaction fees. Additionally, make sure the broker is known in the market as to avoid scams and frauds concerning the card details.

Checking brokers information

Can I Calmly Enter My ID?

In the cases of well-known and established bitcoin brokers in the market, yes you can calmly enter your ID details. Additionally, the ID scan is supposed to be only visible to the management of the platform while other traders do not have access to either the picture or to your personal details.

Thus, it is of utmost importance that you first research the broker in order to avoid any difficulties in the future regarding your privacy and ID details protection.

Are There Other Difficulties?

Some brokers are requesting extensive verification from your side, as to be sure your CC/DC is held by a real person. These brokers receive your funds after few business days and are thus reluctant to leave you unverified. Also, depending on the location, some brokers accept only certain cards or currencies, so make sure you are compatible with their service specifications.

Is It Risky to Leave My BTC on the Exchange?

Very, as you give them permission to store and keep your bitcoins as their responsibility. The broker could either use the bitcoins for their own gain, leaving your online wallet empty of them, or the website could get hacked, with your bitcoins disappearing as a result of hacking theft.

Scams and Theft with BTC Exchanges

One of the riskiest exchanges to use is the peer to peer platforms, as traders purchase and sell BTC between each other in those types of markets. The card information would be available to other potential scammers who could easily transfer the funds without releasing the bitcoins in turn.

Hardware BTC wallets

Additionally, the hacking events are rare, but they do happen, thus it is important to hedge your funds and use hardware BTC wallets.

Always Use Hardware Bitcoin Wallet

They come in various sizes and prices, but they all have one thing in common and that is offline wallet where you can keep your bitcoins. They are hard to hack into and even harder to take away from you if you keep it with yourself all the time.

Image Hardware Bitcoin Wallet Crypto Accepted Buy
KeepKey Hardware Bitcoin Hard Wallet KeepKey BTC, ETH, LTC, DOGE, DASH, NMC Buy for $99
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