Best Crypto Trading Platform Sites To Buy Cryptocurrency With Debit Or Credit Card

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This tutorial includes and reviews the main platforms to buy Bitcoin with a debit or credit card instantly:

It's hard to find a cryptocurrency platform, app, or exchange that charges cryptocurrency purchases fairly with a credit or debit card. Indeed, most platforms charge exorbitant fees of up to 7%.

That's why we've compiled this list of the best places where you can buy Bitcoin with a debit or credit card, instantly and with no hidden fees.

This tutorial will guide you on how to buy Bitcoin with credit or debit cards on these platforms, as well as the main frequently asked questions about buying cryptocurrencies with credit cards.

Buy Bitcoin With Debit Or Credit Card

Frequently Asked Questions

Q #1) Can I buy Bitcoin with a debit/credit card?

Answer: Most fiat-cryptocurrency exchanges now allow you to buy bitcoins with credit or debit cards. These exchanges allow you to connect the debit or credit card to your online account or profile. You then verify the ID with the exchange and proceed with the purchase with the credit/debit card once that ID is verified.

However, these transactions take days, usually a day or two, as they move from one account to another and also due to fraudulent checks.

Q #2) How long does it take to complete a Bitcoin transaction via credit/debit card?

Answer: Buying Bitcoin with credit cards takes a long time between 2-3 days because banks need to check for fraud.

These transactions also involve several parties, namely the merchant, the merchant's payment service provider, the customer, the customer's banking provider and the customer's card payment network.

Q #3) Is it safe to buy Bitcoin with credit/debit cards?

Answer: Yes. First, customers need verification to use these cards. Most encryption platforms that accept credit card purchases use SSL data encryption techniques.

However, make sure that the online platform from which you buy Bitcoins with a credit or debit card is secure and not prone to hacking. Dealing with fraudulent websites leads to the theft of your data. Credit cards are more secure because they have fraud protection, unlike debit cards.

Q #4) Where can I buy Bitcoins with credit or debit cards?

Answer: Many platforms like Coinmama, Bitpanda, Wirex, Coinbase and Wirex allow you to buy Bitcoin with Visa or MasterCard. On many platforms, it's quick and easy, usually within a day, to connect a credit or debit card to your account. Once done, you can start a transaction.

Depending on the platform, you can first deposit fiat into your account before starting a purchase transaction, or you can start a transaction first, after which the amount is debited from the card.

In the latter case, the crypto is deposited to your address after the payment has been processed. The amount is loaded onto the card and takes time to appear on the account before allowing you to make purchases with the card.

Q #5) How do I buy Bitcoin with credit or debit cards?

Answer: Follow these processes:

Sign up: On each of the following platforms, you will buy Bitcoin with a credit or debit card only after verification. If not, you need to upload government ID or verifiable documents like driver's licenses etc.
Associate the debit or credit card: From your profile and after your registration, you will find the function to associate the credit card simply by entering the credit card number.
Deposit fiat or a fixed amount to buy instantly: Depending on the exchange, you will need to deposit fiat via debit or credit card to buy or will require you to process a purchase order where the card is loaded with the amount deposited to your address at instantly or after a few hours/days.

Q #6) What app can I use to buy Bitcoins with a debit card?

Answer: Any app that lets you link your debit card should let you buy Bitcoin with a debit card. Some of these platforms that we have reviewed in this tutorial include Coinmama, Bitpanda, Wirex, Coinbase, and Wirex.

You can also check with and Bitit as they allow you to purchase with a debit or credit card. Coinbase only allows US individuals to purchase crypto with a debit card and does not allow the use of credit cards.

List of platforms to buy Bitcoin with a credit/debit card

Here is a list of the best and most popular platforms from which you can buy bitcoins instantly:


Comparison of Websites to Buy Bitcoin Instantly

NameCredit Card/Debit CardLimitsFeeRating
PionexBothNot clear0.05%Star_rating_5_of_5
BitstampBothFrom $25 to $5,000 daily and $20,000 monthly.From 0.05% to 0.0% spot trading plus between 1.5% to 5% when depositing real-world currencies depending on deposit method.Star_rating_5_of_5
Crypto.comBothUp to $100,000/ week with Obsidian card.2.99% for credit card purchases, 0.04% to 0.4% maker fees, 0.1% to 0.4% taker fees.Star_rating_4.5_of_5
BinanceBoth--3.5% fees per transaction or 10 USD.Star_rating_5_of_5
BybitBothThe purchase limit will get specified in the amount input box. (for fiat deposits).For spot trading, the maker fee rate is 0% & the taker fee rate is 0.1%.Star_rating_5_of_5
CoinSmartBoth$5000Up to 6% feeStar_rating_5_of_5
CoinmamaBothLimit of up to 15,000 USD per month.Between 4.9% and 5.9% fee with credit cardStar_rating_5_of_5
BitpandaBothLimnit of up to 5,000 EUR per day and up to 75,000 EUR worth of BTC per month3-4%Star_rating_5_of_5
CoinbaseDebit Card$3,000 a day.3.99%.Star_rating_4.5_of_5
PaybisBoth$20 000Up to 6.5%Star_rating_4.5_of_5

#1) Pionex

Ideally, Pionex supports crypto-to-crypto and crypto-to-stablecoin trading. There are 12 auto trading robots that you don't need to pay extra for. The exchange allows you to buy directly with credit cards. With a credit card, you can deposit a maximum of $2,000 and $1,000,000 for LV1 and LV2 verification respectively.

However, you cannot withdraw USD or any other fiat currency by any method. It only supports crypto withdrawals for external wallets.

Also, after buying crypto with credit or debit cards on other exchanges, you might want to transfer it to an exchange like Pionex that supports automated trading with the Pionex trading bot. Pionex was founded in 2019 and is based in Singapore.


Buy directly with credit cards on the website.
You can choose to buy cryptos on other platforms and then transfer them to Pionex. This is because some of the exchanges listed above do not have inbuilt bots or a wide variety of inbuilt trading bots like Pionex.
There are 12 trading robots. Tracking Bot, Smart Bot, Grid Bot, Margin Bot, Leverage Bot, Infinite Grid Bot, Dollar Cost A Average Bot, Time Weighted Average Price Bot and Spot Futures Bot.
Mobile App, TradingView Charts; Bollinger Bands, RSI, MACD, price oscillator and other technical indicators; business history.
Steps to Buy Bitcoin with Credit Card at Pionex

Direct deposits on the website

Simply visit the credit card page on the website.
Enter the amount to be purchased by credit card and present a certification identification document.
Submit the order for review. It will take a day to complete the deposit, after which you can buy cryptocurrencies.
You can also follow the steps to buy on Binance, Coinbase, Huobi or other exchanges with a credit card and then deposit to Pionex.

Using the Pionex Lite app

The Pionex Lite app also allows you to make purchases with a debit and credit card and then transfer the crypto to the Pionex exchange for use with the bot.

Download, install, register and login to Pionex Lite: This requires verification in order to trade cryptos with a bank account.
Choose cryptocurrencies to buy, tap deposit and choose payment method - you can use Paxos or Circle to deposit with a bank account. Continue to enter amount and purchase. It takes 1-5 days.
Send crypto to Pionex – You can only buy Ethereum and Bitcoin, which you can then send to Pionex. From your Pionex account, find the deposit address for Bitcoin, Ethereum and other cryptocurrencies on the Deposit page. Copy it. Go back to Pionex Lite, press Withdraw or Send, paste the Pionex copy address, then send.
Fee: 0.05%

#2) Bitstamp

Bitstamp supports buying and selling over 50 cryptocurrencies with credit and debit cards. The exchange allows anyone to make instant card purchases in most countries (including the US and EU). With a credit card you can buy up to $5,000 or Euro or GBP per day and $20,000 per month. The minimum purchase is $25 or Euro or GBP.

Steps to buy Bitcoin with a credit card on Bitstamp

#Step 1: Sign up and get verified on the exchange.
#Step 2: Make the deposit by first visiting the Deposit page, choose Credit Card, choose the amount to spend, enter credit card details and submit the transaction. Wait for confirmation.


Hosted Bitcoin Wallet
instant purchases
Trade in the app with advanced controls. Send, receive and store cryptocurrency securely.
Instant crypto conversions.
Bank withdrawal and SEPA.
Fees: 0.50% for trading volume < $10,000 to 0.0% for trading volume > $20 million. Participation fees: 15% in participation bonuses. Deposits are free for SEPA, ACH, Faster Payments and cryptocurrencies. International eDeposit: 0.05% and 5% with card purchases. Withdrawal is €3 for SEPA, free for ACH, GBP 2 for Faster Pay, 0.1% for international transfers. Cryptocurrency withdrawal fees vary.

#3) not only allows you to buy cryptocurrency instantly with credit and debit cards, but also to spend cryptocurrency in wallet at ATMs and Visa merchant stores around the world via the Visa card. The Visa card comes in five tiers with different stake amounts and CRO rewards.

However, betting $400,000 in CRO earns you up to 14.5% in CRO rewards.
The service allows merchants to receive payments in crypto. Users can also get instant crypto loans for up to 50% of their held crypto. You can also trade cryptocurrency spot and derivatives markets on the platform and even trade on margins of up to 10x your order capital.


OTC trading
Portfolio monitoring and management.
Buy cryptocurrencies and trade them on iOS, Android and web apps.
Buy cryptocurrency instantly with 0% fees.
NFT support
Steps to Buy Bitcoin with a Credit Card on

Register or login and press the Trade button. Select Buy and CRO or other crypto you need to buy.
Add a credit card or debit card as a payment method. Enter your card details.
Verify the card with a small deposit of SGD$0.10 (or local equivalent) held for up to 7 days. Confirm the transaction.
Return to Accounts page, tap Buy, enter amount, select verified credit/debit card.
Confirm payment.
Rate: 2.99%.

#4) Binance

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Binance is a cryptocurrency exchange platform. It will allow you to buy and sell Bitcoin, Ether and Altcoins. The platform is compatible with multiple devices including iOS and Android.

Once the purchase is complete, Binance deposits the new crypto directly into your Binance Wallet. It offers an easy and secure method of managing crypto assets.

Steps to buy Bitcoin with a credit card on Binance:

Log in to your Binance account.
Choose the option 'Buy cryptocurrency' and 'Credit/debit card'.
You will arrive on a new page to buy Bitcoin. Here you need to select the local currency and enter the amount you want to spend.
Select BTC or the cryptocurrency of your choice.
Click Buy BTC.
You must fill in the card information and click "Next". Once you have filled in all the required information, you can click "Pay Now".
You must confirm in the Confirm Order message.
You will receive the Bitcoin once the transaction is successful.

Binance supports various payment options such as bank transfers, credit/debit cards, and cash.
You will get a safe and smooth crypto buying experience with Binance because it works with verified and trusted platforms.
Binance supports a wide range of coins.
The Binance platform allows you to immediately exchange purchased cryptocurrencies in various products and services.
Fees: There is a 3.5% fee per transaction or $10.

#5) Bybit

Bybit is a cryptocurrency trading platform and can be used to buy cryptocurrencies, BTC, ETH, and USDT. Supports 59 fiat currencies. Supports various payment methods, such as Visa/Mastercard credit cards, debit cards and cash deposits. Cash deposits are restricted to certain areas.

Steps to buy Bitcoin with a credit or debit card on Bybit:

Step 1: Log in to the verified account.
Step 2: Open Fiat Gateway to make purchases.
Step 3: Select the currency and enter the amount.
Step 4: Now select the service provider and payment method.
Step 5: Confirm the transaction and wait for the cryptocurrency to be received in your account.



Flexible trading strategies make the platform suitable for traders of all skill levels.
New actives and innovative products are constantly being added to the platform.
It provides real-time market data along with competitive market depth and liquidity.
Safely stores your offline assets and provides maximum protection.
Fees: Bybit does not charge any transaction fees for using Fiat Gateway. The image below shows more information about trading fees for derivatives trading. For spot trading, the maker fee is 0% and the taker fee is 0.1% for all spot trading pairs.

#6) CoinSmart

CoinSmart is an easy to use crypto trading platform that can be used by both beginners and experts. The app is available for desktop computers and mobile devices. It will allow you to buy and sell Bitcoin Cash, Cardano, Stellar, etc. Provides advanced crypto trading tools.

Suggested Reading =>> How and Where to Buy Cardano Crypto

Steps to buy Bitcoin with a credit card on CoinSmart:

Create an account.
Account Verification
Next, you need to link your bank account, credit card, or debit card to set up your payment source.
trust fund

CoinSmart provides an option to access funds the same day the funds are received. It allows you to tap into the market without a long wait.
Supports multiple funding methods, such as SEPA, bank transfers, wire transfers, etc.
Allows tracking of all your trading activities, deposits and withdrawals.
Fees: For credit or debit cards, fees of up to 6% apply, with instant processing ($100 to $5,000).

#7) Coinmama

Coinmama is also a cryptocurrency broker that supports debit card purchases in addition to credit card purchases. It was launched in 2013 and now has over 800,000 users in 190 countries around the world.

After account and card verification, user can buy bitcoin by credit or debit card up to 15,000 USD per month. The daily limit with a verified credit card and account is $5,000. These limits apply to Level 1 verification, which requires valid government ID and a selfie.

For Level 2, you need to add a utility bill for additional verification, while Level 3 requires filling out a short form. However, compared to other exchanges like Coinbase, Bitstamp, and Binance, it charges higher fees.

Three other disadvantages, although you should be aware of them when buying Bitcoin with a credit card on this exchange, is that it does not provide a hosted wallet, you will have to create a wallet with a separate platform.

Unfortunately, it also does not allow crypto-to-crypto transactions. There is also no dedicated mobile or desktop app, just a web-based platform which however can be used on any device.

Steps to buy Bitcoin with a credit card on Coinmama:

Create an account on Coinmama in just a few clicks.
Obtain verification by submitting a passport, national identity card or other documents.
Link your credit card to your payment options or methods.
Purchase by entering the wallet address and loading the card for purchase.

It allows a higher limit of up to $5,000 worth of bitcoins per day compared to other exchanges. The monthly limit is $20,000 in bitcoins.
It lets you buy around 10 cryptocurrencies including BTC, Ethereum, Dogecoin, Ethereum Classic, Litecoin, and other major cryptocurrencies.
The exchange requires you to verify your identity details. However, it takes an hour for verification to submit details such as a government-issued ID, international passport, driver's license and national ID card.
The downside is that it's only a web-based platform and doesn't have a dedicated mobile or desktop app.
Although it accepts Visa and MasterCard debit cards, it does not support American Express. It also does not support Discover or PayPal.
Support for bank transfers via SWIFT, SEPA, Fedwire, FasterPayments, Apple Pay and Sofort.
Worldwide support in addition to the United States and Europe.
Fees: For any Bitcoin purchase, regardless of payment method, expect to pay 5% above the spot price of the crypto on this exchange. Otherwise, you pay between 4.9% and 5.9% commission with a credit card and include the risks of processing credit card payments.

SEPA bank purchases cost around 3.9% in fees. With SWIFT, you pay an additional £20 minimum fee for all transfers of $1,000.

#8) Bitpanda

This Australia-based bitcoin broker was formerly known as Coinimal and was founded in October 2014. Since its launch, it has been a trusted place for people to buy bitcoin with a credit card.

In fact, Bitcoin purchases with a credit card on this exchange are the highest compared to purchases with other methods. The exchange serves 1.2 million customers worldwide and is widely reviewed online, earning a very positive trust rating.

Steps to buy Bitcoin with a credit card on Bitpanda:

Register and verify your identity on Bitpanda.
Link the debit card from the account profile.
Deposit money using a debit or credit card.
Pay with debit on the card when purchasing.

It allows people to buy cryptocurrency with credit or debit cards, but it's only useful for European residents.
Buying with SEPA takes about a day to complete a transaction.
Bitpanda allows people to buy over 100 cryptocurrencies.
Users must verify their identity and comply with AML/KYC procedures by submitting photo IDs and selfies or other verifiable identification documents, such as a driver's license.
The purchase limit with other methods is 50 EUR per day.
The limit for buying Bitcoins by credit card is up to 350 EUR per day and up to 10,000 per month after verification. The limit is 5,000 EUR per day and up to 75,000 EUR in BTC per month when using other payment methods.
Fees: 3-4% for credit card purchases. The premiums for buying and selling Bitcoin on Bitpanda are 1.49%. Those who want to buy Bitcoin with a credit card on this exchange can reduce fees by up to 20% by paying with BEST (Bitpanda Ecosystem Token), which is the platform's altcoin.

Fees for the creator on Bitpanda Pro start at 0.1000% and for buyers at 0.1500%. However, this decreases as the 30-day trading volume increases.

At level one with 0 BTC 30 trading days, you pay 0.0750% as maker and 0.1125% as taker when fees are paid in BEST. At level 7, the highest level, you pay 0.0375% as a creator and 0.04875% as a receiver when paying with BEST.

#9) Coinbase

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Coinbase started in 2012 in the United States, but is now available in some 36 countries around the world. An advantage of this exchange is the huge liquidity. Users also find the interface easy to use, according to online reviews from Coinbase.

Although Coinbase allows people to buy Bitcoin and other cryptocurrencies with debit cards, it does not allow you to buy Bitcoin with credit cards. It is one of the largest cryptocurrency exchanges in the world and especially for newbie traders in the US as it is regulated.

The custody service also offers complementary products for individuals, groups and institutional investors. For example, anyone who intends to use dollar cost averaging to invest and hold cryptocurrencies will find the exchange very useful. It also allows institutions to stake large volumes of cryptocurrencies like BTC.

Coinbase also offers wallets for individuals and retail investors, as well as advanced trading tools. Additionally, it has its own USD-pegged stablecoins for those who wish to stay away from the volatility issues they still encounter with cryptocurrencies.

Steps to buy with a debit card on Coinbase:

Open an account with Coinbase.
Go to the Payment Methods page. Select the debit card.
Enter debit card information. It will apply two small temporary charges to the card.
Find the two debits on the card's online bank statement.
Verify the card by entering both amounts on the debit confirmation page on Coinbase.
Return to the purchase page and enter the amount you wish to purchase. Choose debit card as the payment method. Once a transaction is completed, the crypto is debited from your account.

Users can reduce fees by using the paid Coinbase Pro version of the app.
It is custodial, which means users do not control wallets with private keys. Coinbase was hacked once.
There are many compatible crypto pairs with more than 100.
It works in the form of order books and not peer-to-peer transfers.
Crypto-to-crypto wallet transfers are free.
Fees: Debit card transactions are charged at 3.99%. Via PayPal you pay 1%. Instant card withdrawals in Europe cost up to 2% of any transaction and a minimum fee of €0.55.

There is a margin of around 0.50% on buy and sell trades. Additionally, Coinbase's fixed fee is $0.99 for transactions of $10 or less. $1.49 greater than $10 and less than or equal to $25. Up to $2.99 ​​for transactions less than or equal to $200 and greater than $50. This is a flat rate for purchases, but does not apply to PayPal buyers.

You should also check for the variable percentage rate structure based on region/location in addition to the fixed rate structure, because if the variable rate is higher than the flat rate described on the rates page, you pay the variable rate .

Coinbase Card has a flat transaction fee of 2.49% on all purchases.

#10) Paybis

Paybis was founded in 2014 and is based in the UK, is available in over 180 countries around the world and allows people to instantly buy Bitcoin with credit cards.

You can also buy with 47 currencies, including local currency. The platform also allows users to sell their crypto to Fiat and receive the amount in their bank, Neteller, and Skrill accounts. This is in addition to support for credit and debit cards.

In the United States, it is now available in over 48 states. The service is registered with the Financial Conduct Authority, a department of the US Treasury. Therefore, all transactions and operations are regulated.

Paybis allows people to buy Bitcoins with credit cards after verifying the account. Therefore, users must comply with AML/KYC guidelines when purchasing Bitcoins on this platform. However, registration and verification are quick.

In addition to allowing people to buy with credit cards, it enables liquidity services for fintech companies.

Steps to buy Bitcoin with a debit or credit card in Paybis:

Create a Paybis account and verify ownership. Enter your details to verify the account.
Link your debit or credit card to your profile. Make sure the name on the documents used for verification matches the name on the debit or credit card.
Start the exchange and select the credit/debit card and your currency. Make payments by charging your credit or debit card.
Receive Bitcoins in your wallet.

The exchange supports multiple cryptocurrencies besides Bitcoin, with over 10 cryptos supported.
You can only sell Bitcoin and no other cryptocurrencies. Others are for purchase. If you need to sell more, you must first convert them to Bitcoin on the same platform.
It does not provide a demo account. The FAQ section, however, makes it easy to understand and use.
Users get hosted crypto wallets, so there is no need to sign up for a wallet with a separate platform in case you need digital wallets.
Ability to view transaction history.
Fees: Purchase fees are free or waived for the first debit or credit card transaction on the platform. Otherwise, you pay 2.49% Paybis fee after the first transaction.

Processing fees apply to credit and debit card transactions. This is equivalent to 10 USD or equivalent; 4.5% for payments in USD, EUR or GBP; or up to 6.5% for other currencies. Consecutive credit/debit card transactions after the first are charged at 6.99% for USD, GBP and EUR and up to 8.99% for other currencies.


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Cryptocurrency exchanges that allow you to buy Bitcoin with a debit card and credit card require account verification by submitting a name, verifiable ID, photos, and geolocation details. You can then shop immediately after linking the account with your debit or credit card.

We suggest looking at Paybis if you want fast bitcoin transactions on a debit card and also need to use a credit card as it supports both. Coinmama does not provide a wallet, so you have to work with two platforms.

Coinbase is best suited for those interested in custody and other investment products, or institutions that need to stake large amounts of cryptocurrencies. eToro is ideal for people looking for contracts for difference, stocks, forex and crypto investments from a single wallet.