Buying Bitcoin (BTC) with a debit card has become relatively easy in the past few years with the introduction of anti-fraud systems for Bitcoin exchanges. However, these systems are quite expensive to operate, and therefore, exchanges will usually charge a premium for buying bitcoins with a debit card.

Buying Bitcoin with a Debit Card: Summary

How can I buy Bitcoin with my debit card instantly? The fastest way to buy BTC with debit card would be through Best Wallet or CEX.io. Here’s how to buy crypto with debit card with Best Wallet:

  1. Visit Best Wallet and create your wallet. Be sure to write down your recovery phrase to recover your wallet in the future if you lose or break your mobile device.
  2. Go to the Trade section, then Buy. Enter the amount of Bitcoin or other cryptocurrencies you wish to buy, and click Buy Now.
  3. Depending on payment method, you may need to complete KYC.
  4. Select Debit Card as your purchase method.
  5. Complete the purchase. Your crypto will automatically be credited to your wallet.

If you’re looking for additional options, here’s a list of platforms we’d recommend that allow Bitcoin purchases with a debit card.

Best Wallet
Overall rating:
5 /5
Hot Wallet + DEX
OKX
OKX as alternative to LocalBitcoins
Overall rating:
4.5 /5
Crypto Exchange
Exodus
Overall rating:
5 /5
Web wallet
CEX.IO
CEXIO Logo
Overall rating:
4.5 /5
Broker & Trading platform

If you want a summarized review of each exchange with its pros and cons, keep on reading.


Where Can I Buy Bitcoin with a Debit Card?

Using your debit card to purchase Bitcoin hasn’t always been as easy as it sounds. Some exchanges are afraid of fraud and, therefore, don’t accept debit cards. However, many exchanges have started implementing services to detect fraud and are more open to credit and debit card purchases these days.

As a rule of thumb, an exchange that accepts credit cards will also accept a debit card. If you’re not sure about a specific exchange, you can just Google its name + “payment methods,” and you’ll usually land on a review covering what payment method this exchange accepts.

1. Best Wallet

After years of trading cryptocurrencies across different platforms, we’ve discovered that Best Wallet is one of the easiest, fastest, and safest ways to buy Bitcoin with a debit or credit card. Best Wallet offers many advantages, including broad asset support, a user-friendly interface, the ability to buy, sell, and swap crypto directly within the wallet, and support for airdrops.

Best Wallet Image

This wallet provides a simple and secure option for Android and iOS users, enabling them to send and receive their preferred digital assets. It ensures strong security with biometrics and multi-factor authentication to protect your coins. Users can also take advantage of a custom backup passphrase for wallet recovery.

Best Wallet also comes with a comprehensive view of market trends, allowing users to stay updated on recent price shifts and provides intuitive tools for organizing and managing portfolios across popular blockchains like Polygon and Binance Smart Chain.

Pros

  • Easy to use, nice UX/UI
  • Great asset support with over 60 chains available
  • Multiple payment options including methods to buy crypto with no verification
  • Self-custodial, secure wallet
  • Ability to buy, swap, and sell crypto directly within the wallet

Cons

  • No charting capabilities for technical analysis trading
  • Mobile-only

Buying Bitcoin with a Debit Card in Best Wallet

  1. Download and install Best Wallet App
  2. Tap the Buy button or navigate to the Trade tab

Buy bitcoin with Best Wallet

3. This will bring you to the Onramper page where you can set up your crypto purchase

best wallet onramper

4. Select the cryptocurrency you would like to purchase as well as the fiat payment method and how much you are looking to buy. Once you’ve selected your crypto and fiat of choice, you can now select the payment method and provider you would like, in this case, debit card.

Buy Bitcoin with Apple Pay Best Wallet

Pro tip: Onramper is a cryptocurrency aggregator that collects different payment methods and purchase providers. It will suggest the option with the lowest fees automatically, but you can also look at other choices that may provide faster transactions or allow you to avoid KYC checks, so be sure to pick the best option for your requirements.

5. Select your payment method of choice. You will see options for bank account, credit/debit card, Apple Pay, Neteller, Skrill, Google Pay, and ACH.

Buying crypto with Best Wallet

6. Finally, hit the Buy Bitcoin button and you will be taken to the purchase screen which will show the progress of your purchase. Depending on the purchase method you choose, you may be taken to a new tab to complete KYC or verification.

Visit Best Wallet

2. Exodus

Exodus offers a convenient way to buy Bitcoin instantly with debit card into a self-custody wallet for better security. The platform supports over 50 blockchains and allows users to swap hundreds of different cryptos.

Buying Bitcoin with a credit card Exodus
Source: Exodus

It has a user-friendly design and syncs with iOS, Mac, Windows, and Android apps. The wallet’s partnership with Trezor also provides an option for cold storage—improving security for those wanting offline storage. It also integrates with dApps and allows you to manage NFTs without leaving the wallet.

Pros

  • Easy to use, nice UX/UI
  • Great asset support
  • Integration with Trezor hardware wallet

Cons

  • No charting capabilities for technical analysis trading
  • Not available in many countries
  • Maximum purchase limits can be low

Buy Bitcoins with Debit Card Through Exodus

  1. Download and install the Exodus wallet (mobile app, desktop app, or browser extension)
  2. Open Exodus and tap the Buy Crypto button (dollar icon)
  3. Select your payment method (debit card, Apple Pay, or Google Pay)
  4. Choose Bitcoin as the crypto to receive and enter the desired amount
  5. Tap Continue to proceed with the purchase
  6. Complete the identity verification process with the third-party API provider
  7. Confirm your purchase via email
  8. Wait for your Bitcoin to arrive in your Exodus wallet (usually, within 20 minutes)

Instead of laying out the steps for you in this article, here is a great video that walks you through the process:

To learn more about Exodus, feel free to check out our Exodus Review.

Visit Exodus

3. Coinmama

There are more options for buying crypto with debit card. Coinmama supplies an easy way to buy Bitcoin with a debit card while charging a premium. The company has been around since 2013 and supplies a wide variety of cryptocurrencies aside from Bitcoin.

Coinmama Eth purchase screen showing US dollar cost and Eth amount to be received
A Look at the Crypto Buying Screen on Coinmama

Recently, the company has improved its customer support substantially and has one of the fastest turnarounds for buying Bitcoin in the industry.

Pros

  • Good customer support
  • Reputable company
  • Good asset support
  • User-friendly interface

Cons

  • Some US states not supported
  • Higher fees than some competitors

Buying Bitcoin With a Debit Card Through Coinmama

  1. Visit Coinmama and choose the amount of Bitcoin you want to buy
  2. Sign up on the site and verify your identity
  3. Get a Bitcoin wallet and an address (Coinmama does not hold Bitcoin for you)
  4. Supply Coinmama with your Bitcoin address
  5. Complete debit card information
  6. Coins will be sent instantly

Feel free to check out our detailed Coinmama review to learn more about this crypto exchange.

Visit Coinmama

4. CEX.IO

CEX.IO supplies trading services and brokerage services (i.e., buying Bitcoin for you). If you’re just starting out, you may want to use the brokerage service and pay a higher fee. However, if you know your way around exchanges, you can always just deposit money through your debit card and then buy Bitcoin on the company’s trading platform with a much lower fee.

CEX.IO Buy cryptocurrency page screenshot
A Look at the Buy Crypto Page on CEX.IO

CEX.IO offers a brokerage service as well as a trading platform that supports over 100 cryptocurrencies and more than 300 trading pairs.

Pros

  • Reputable company
  • Good asset support
  • High buying limit

Cons

  • Customer support could be better
  • Higher fees than some competitors

Buying Bitcoin With a Debit Card Through CEX.IO

  1. Visit CEX.IO and sign up
  2. Go to Finance  Deposit (make sure to select your own currency)
  3. Use your debit card to fund your account
  4. If you want to use the easy but expensive brokerage service, go to Buy/Sell
  5. If you want to use the complex but cheap service, go to Trade and choose BTC/USD (or any other currency)

Be sure to check out our in-depth CEX.IO review to learn more about this crypto trading platform.

Visit CEX.IO

5. Coinbase

Coinbase is one of the most reputable and well-established crypto exchanges in the industry and one more great option to buy Bitcoin with debit card instantly. Being the largest exchange in the US, Coinbase has cemented itself as one of the best platforms for crypto traders and those looking to buy Bitcoin with a debit card.

Coinbase buy Bitcoin with a credit card
Source: Coinbase.com

One annoying shortcoming to point out is that Coinbase does not display a clear fee structure for debit card purchases, but you can double-check what you’re being charged during the final steps of a conversion. Keep in mind you will need to upload a government-issued ID in order to prove your identity before being able to buy the coins.

Pros

  • Highly regulated and reputable crypto exchange
  • User-friendly interface
  • Established and secure platform
  • Advanced platform suitable for experienced traders

Cons

  • Customer support could be better
  • Higher fees than some competitors

How to buy Bitcoin on Coinbase with Debit Card

  1. Create a Coinbase account
  2. Go to Settings Payment Methods and click Add Payment Method
  3. Add your debit card
  4. Confirm your debit card
  5. Go to Buy/Sell and select the amount of Bitcoin you want to buy

We cover Coinbase in more detail in our Coinbase review if you want to find out if this crypto exchange is right for you.

Visit Coinbase

6. eToro

Please note that this content does not apply to US users.

If you’re into Bitcoin (or any other cryptocurrency) just for price speculation, then the easiest and cheapest option to buy Bitcoin may be through eToro. eToro supplies a variety of crypto services, such as a trading platform, a cryptocurrency mobile wallet, an exchange, and CFD products.

eToro buy Bitcoin with a debit card screenshot

When you buy crypto with debit card through eToro, you’ll need to wait and go through several steps to withdraw them to your own wallet. So, if you’re looking to actually hold Bitcoin in your wallet for payment or just for a long-term investment, this method may not be suited for you.

Pros

  • Beginner-friendly
  • Good customer support
  • Supports copy-trading
  • Multi-asset availability, great for stocks, commodities, and crypto
  • Multiple payment methods supported

Cons

  • Difficult process to withdraw crypto
  • Limited country support
  • High trading fees vs. traditional crypto exchanges

Offering the ability to trade and invest in multiple different asset classes, copy trade, and access to in-depth analytical resources and tools, eToro is a solid platform for buying Bitcoin with a debit card. You can learn more in our eToro review.

Important: Before You Buy Bitcoin Using Debit card

Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong.

Cryptocurrency is offered by eToro USA LLC (“the MSB”) (NMLS: 1769299) and is not FDIC or SIPC insured. Investing involves risk.

Crypto assets are highly volatile, unregulated investment products. No EU investor protection. US customers can only invest in Bitcoin, Bitcoin Cash, and Ethereum.

Visit eToro

Conclusion: Is it Safe to Buy Bitcoin with a Debit Card?

How to buy crypto with debit card safely? As long as you’re using a trusted exchange, you’re perfectly safe. The main thing we would advise is not to keep the Bitcoin on the exchange after you buy it but to move it to your own Bitcoin wallet.

If you decide to buy Bitcoin online with debit card, keep in mind that using your debit card may be convenient, but it’s also more expensive. If you’re buying a relatively large amount of coins and you have the option, consider using a bank transfer. However, if the amount isn’t that big, sometimes paying the extra 3%-5% is worth the time saved. Ultimately, the choice is yours to make.

Not only can you buy cryptocurrency with debit card, but you can now actually get debit cards that spend your cryptocurrency balance. That’s right, you can sign up for debit cards that use your crypto balance to make everyday purchases. Check out our full guide on Bitcoin debit cards to learn more.

FAQs

How to Buy Bitcoin with Debit Card?

Expand

Many platforms such as Best Wallet, Coinbase, OKX, eToro, and others allow users to buy Bitcoin with debit card. The platforms highlighted in this article provided simple step-by-step methods of buying Bitcoin with debit card in a safe and secure manner.

Where to Buy Bitcoin with a Debit Card

Expand

Best Wallet, OKX, Coinbase, and eToro are our top picks for buying Bitcoin with a debit card.

Is it Safe to Buy Bitcoin with a Bank Card?

Expand

Yes, as long as you are using a reputable exchange that follows proper security measures, buying crypto with a bank card is perfectly safe.

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Having delved into futures trading in the past, my intrigue in financial, economic, and political affairs eventually led me to a striking realization: the current debt-based fiat system is fundamentally flawed. This revelation prompted me to explore alternative avenues, including... Read More

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