6 Ways to Buy Bitcoin with a Debit Card

By Alexander Reed

Last Updated: Feb 4, 2025

Co-author

By Manisha Mishra

how to buy bitcoin with a debit card

Buying Bitcoin 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 Bitcoin with a debit card.

Buying Bitcoin with a Debit Card Summary

The fastest way to buy Bitcoin with a debit card would be through Best Wallet or CEX.io. Here are the steps for Purchasing crypto via 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 that we recommend that allow Bitcoin purchases with a debit card.

Best Wallet
Overall rating:
Hot Wallet + DEX
OKX
OKX logo
Overall rating:
Crypto Exchange
Exodus
Overall rating:
Web wallet
CEX.IO
CEXIO Logo
Overall rating:
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 on various platforms, we have found that Best Wallet is one of the simplest, quickest, and safest options to buy Bitcoin with a debit or credit card. Best Wallet provides many benefits, such as extensive asset support, an easy-to-use interface, the ability to buy, sell, and swap crypto directly in the wallet, and support for airdrops.

Best Wallet Image

This wallet offers a straightforward and safe choice for Android and iOS users, allowing them to send and receive their favorite digital assets. It guarantees robust security through biometrics and multi-factor authentication to safeguard your coins. Users can also benefit from 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- 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 crypto aggregator that gathers various payment methods and purchase providers. It will automatically recommend the option with the lowest fees, but you can also explore choices that might offer quicker transactions or allow you to bypass KYC checks, so make sure to find the best option for you.

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 directly 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

Buying Bitcoin With a 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

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. 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

Buying Bitcoin With a Debit Card Through Coinbase

  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

**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 Bitcoin 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!

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

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. Take 2 mins to learn more

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?

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

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, I suggest always 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 use your debit card to buy Bitcoin and other cryptocurrencies, 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

Where to Buy Bitcoin with a Debit Card

Is it Safe to Buy Bitcoin with a Bank Card?

Free Bitcoin Crash Course

  • Enjoyed by over 100,000 students.
  • One email a day, 7 days in a row.
  • Short and educational, guaranteed!

Why you can trust 99Bitcoins

10+ Years

Established in 2013, 99Bitcoin’s team members have been crypto experts since Bitcoin’s Early days.

90hr+

Weekly Research

100k+

Monthly readers

50+

Expert contributors

2000+

Crypto Projects Reviewed

Disclaimer Icon
Disclaimer
Crypto is a high-risk asset class. This article is provided for informational purposes and does not constitute investment advice. You could lose all of your capital. 99Bitcoins may receive advertising commissions for visits to a suggested operator through our affiliate links, at no added cost to you. All our recommendations follow a thorough review process.
Alexander Reed
Alexander Reed
Editor

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

Back to top