How to Buy Bitcoins with a Debit Card (2017 updated)


The following tutorial will explain how to buy Bitcoin with a debit card.

Note: If you’re looking to buy Bitcoins with a debit card for trading purposes only then perhaps you’re better off checking AvaTrade or Plus500 Bitcoin CFD trading. 

Buying Bitcoin with a debit card is pretty similar to buying it with a credit card. In this post I will cover the  most popular exchanges used today.

  • Bitcoin exchanges

  • Fees
  • Buying Limits
  • Available worldwide?
  • Reputation
  • Support
  • Overall grade
  • Additional info
  • Coinbase

  • coinbase
  • 3.75%
  • Up to $150 doesn't require verification$10,000/day
  • click this link to see what countries are available33 countries supported
  • This company is well known throughout the Bitcoin communityGood
  • Users have reported long waiting times for customer service responsePoor
  • A
  • Click to read
  • CoinMama

  • coinmama
  • 5%
  • Up to $150 doesn't require verification$5,000/day
  • Worldwide
  • This company is well known throughout the Bitcoin communityGood
  • Most users are happy with the customer support of the company Good
  • A
  • Click to read

  • cex
  • Average (actual number varies)
  • €300/day
  • US, Europe, S.America
  • This company is well known throughout the Bitcoin communityGood
  • Most users are happy with the customer support of the company Good
  • B+
  • Click to read
  • Coinhouse

  • coinhouse
  • 10%
  • For tier 2 verification€2000/day
  • France only
  • Average
  • Most users are happy with the customer support of the company Good
  • B+
  • Click to read
  • 247 Exchange

  • 247exchange
  • The fees are incorporated inside of the exchange rateUnclear
  • $100/daily
  • Worldwide
  • Average
  • Most users are happy with the customer support of the company Good
  • B+
  • Click to read
  • Virwox

  • virwox
  • High (actual number varies)
  • €900/month
  • Worldwide
  • This company's reputation varies in the Bitcoin communityAverage
  • Customer support is responsive but briefAverage
  • B
  • Click to read
  • IndaCoin

  • indacoin
  • The fees are incorporated inside of the exchange rateUnclear
  • $100/first buy
  • Worldwide
  • This company's reputation varies in the Bitcoin communityAverage
  • Most users are happy with the customer support of the company Good
  • B-
  • not available

  • bitcoin
  • 2.5% service fee + 5% credit card processing fee7.5%
  • Unclear
  • Worldwide
  • Average
  • There seems to be no online support, only forum and a very cumbersome contact formPoor
  • B-
  • In progress

Buy Bitcoins with a debit card at Coinbase

Pros: User friendly interface, Relatively low fees, Established reputation

Cons: Not available worldwide, Support takes time to respond

Overall rating: A

On March 2016 Coinbase has added the option to buy Bitcoins with a debit / credit card on their exchange.

To get started, sign in and visit the payments method page. Click “Add Credit / Debit Card” to add your card. You will now be able to use this card in order to make your next payment and receive your Bitcoins instantly.

Buying Bitcoins with your debit card is free of charge (credit cards have a 3.75% fee applied). However, you will need to upload a government issued id in order to prove your identity before being able to buy the coins.

Buy Bitcoins on Coinbase     Read our Coinabse review


Quick guide – how to buy Bitcoins with your debit card using Coinbase

  1. Create a Coinbase account
  2. Go to “settings” – “payment methods” and click “add payment method”
  3. Add you debit card
  4. Confirm your debit card
  5. Go to “buy/sell” and select the amount of Bitcoins you want to buy

Buy Bitcoins with a debit card through CoinMama

(No verification needed up to $500, partial US support)

Pros: Good support, respectable company

Cons: Limited countries in the US , limited to $500 per purchase

Overall rating: A

If you’re looking to get Bitcoins quickly without any verification process  you can try out CoinMama. CoinMama supplies an easy way to buy Bitcoins with a debit card while charging a premium for it. However, if you take into account the volatility of Bitcoin prices the premium shouldn’t affect the ROI in the long run.

Buy Bitcoins on Coinmama      Read our Coinmama review

You can read more about it here. The first step would be to choose the amount of Bitcoins you want to buy. You can either enter your desired amount or just choose from the available packages on the homepage. coinmama bitcoin buying options After you choose your Bitcoin amount you will be requested to sign up to the site. The sign up process is pretty standard and at the end you will be asked to verify your identity. If you’re only looking to buy up to $500 in Bitcoin then you do not need to do this step. However if you’re looking to buy more than you will need to submit a government issued photo ID of yourself.

The site states that the verification process can take up to 48 hours, but from my experience it takes much less (mine took 1.5 hours). The next step will be to choose your payment method. If you’re using a debit card to buy your Bitcoins then just choose “Visa, Mastercard via Simplex”.

Simplex is just the company that allows Coinmama to accept Bitcoins via your debit card. If you want to continue without verification you can choose the “MoneyGram” option and just pay through the MoneyGram website with your credit card (US only). coinmama payment method From this point on you’ll need to have a Bitcoin wallet, since Coinmana doesn’t keep your Bitcoins for you (unlike Coin.MX or Virwox). This is actually a good thing in my opinion, since it forces you to take responsibility for your coins and not just leave them lying around in some exchange.

If you haven’t opened a Bitcoin wallet here’s a short explanation on how to do so. If you already have your Bitcoin address then just enter it on the next screen. daily order limit coinamama Once you’ve entered your Bitcoin address all that’s left is to complete the payment information and you’ll receive your Bitcoin instantly.

coinmama bitcoin order

Buy Bitcoins with a debit card through

Pros: Reputable company, high buying limits

Cons: Limited countries available, higher exchange rates

Overall rating: B+ allows you to easily add funds to your account with any type of payment card (debit or credit). The exchange has both trading services and brokerage services (i.e. buying Bitcoins for you). If you buy Bitcoins via you will pay an average of 7% in fees which will already be included into the exchange rate.

Buy Bitcoins on      Read our review



Buy Bitcoin with a Debit Card at Coinhouse

Pros: Reputable company, high buying limits

Cons: Limited countries available, higher exchange rates

Overall rating: B+

Coinhouse allow you to buy bitcoins via your debit card and its service is available in most European countries.

You will need to confirm your account and afterwards you will be able to buy up to 2,000 euros in bitcoin a day, to a maximum of 10,000 euros per month. Bitcoins are sent immediately to your wallet once payment is confirmed.

Buy Bitcoins on Coinhouse     Coinhouse review coming soon

coinhouse bitcoin debit card

Buy Bitcoins with a debit card through Virwox

(no verification needed, limited to €80 worldwide)

Pros: No verification needed, available worldwide

Cons: High fees, poor support

Overall rating: B

Virwox is the oldest exchange allowing you to buy Bitcoins via a debit card. The exchange doesn’t sell you Bitcoins directly – you will need to fund your account with your debit card, buy Second Life Lindens (SLL) with your dollars, and then exchange these SLLs to Bitcoins. Due to the multiple exchanges occurring on the way fees can add up.

Buy Bitcoins on Virwox      Read our Virwox review


We will begin the process by visiting VirWox which is a virtual world exchange and will help us to buy Bitcoins with a debit card. The reason that it’s so hard to Buy Bitcoins with a debit card is because of chargeback issues.

Debit cards offer you the opportunity to create a chargeback on a transaction whereas Bitcoin doesn’t. Virwox allows us to by pass this since we will first buy Second Life Lindens (another virtual currency) and only then exchange them to Bitcoins. Keep in mind that new users to VirWox will have a maximum deposit limit. The following table is updated for April 30th 2015:

virwox limitations

Also VirWox will take a fee for each step of exchanging and depositing money. This can come up to almost 10% of your deposit but is sometimes worth the charge because of the time it saves on buying Bitcoins with your debit card.

Once you arrive at VirWox click the “Not Registered Yet ?” link and create a new account. You do not need to enter anything other then a username and an email address. Since Virwox is linked to second life it will also ask you for an “Avatar name” but since we are not going to actually connect to second life you can just leave it at “No Avatar”.

Virwox registration process

After creating the VirWox account you will get an email with you initial password. Make sure to log into your account and change that password for added security.

Once you’re logged in you need to go to “Deposit” and look for “Credit Cards/Debit Cards”. Enter the amount of money you want to deposit and complete the process. Deposits are carried out through Skrill which is a well known vendor for digital payments.

 deposit money with a debit card Once the money is in your account you will want to purchase Second Life Lindens. Go to the SLL/USD exchange and purchase your SLL. You will then see them at the top left in your account summary. Next step is to exchange your Lindens to Bitcoins.

Go to the BTC/SLL exchange and trade your Second Life Lindens for Bitcoins. Keep in mind that new users to Virwox will have to wait up to 48 hours for this transaction to be complete. Buy Bitcoins with SLL Once the Bitcoins are in your account (again you can see it at the top left of the screen) you can just go to “Withdraw” and move them into your Bitcoin wallet. Make sure to move them into your own wallet and not just keep them at Virwox for security reasons. Withdraw the Bitcoins to your wallet That’s it, you just got your new Bitcions.

Buy Bitcoins with a debit card with 24/7Exchage

Pros: Good support, available worldwide

Cons: Requires verification, high exchange rates

Overall rating: B+

247excahnge are relatively new in the market but have already managed to gain a pretty substantial user base. The accept credit and debit cards from all over the world and their exchange rate seems to be pretty fair considering other credit card accepting exchanges.

They do have a verification process and also you will need to wait up to 3 business days in order to receive your funds. The great thing about 247exchange is that they show you all the fees upfront so you are not surprised by the final charge.

Buy Bitcoins on 247Exchange      Read our 247Exchange review

247exchange buy bitcoins

However recently I have tried to purchase some coins through the exchange using my credit card and have found it extremely difficult to complete the process. I’ve noticed other users complaining about this as well. This is not to say that the business isn’t legit, it’s just going to take some time to complete the process.

Finally, if you still haven’t found an exchange that is right for you here’s a list of 19 more exchanges that accept debit cards for buying Bitcoins. However I haven’t tested them personally so I can’t recommend or review them.

Ofir Beigel

Owner at 99 Coins ltd.
Blogger and owner of 99Bitcoins. I've been dealing with Bitcoin since the beginning of 2013 and it taught me a lesson in finance that I couldn't get anywhere else on the planet. I'm not a techie, I don't understand "Hashes" and "Protocols", I designed this website with people like myself in mind. My expertise is online marketing and I've dedicated a large portion of 99Bitcoins to Bitcoin marketing.


  1. i need a place i can buy bitcoin with my credit card without id verification because all these site seem to require id verification……..

  2. I have gone through all the sites you listed for buying bitcoins without verification (since Nigeria temporary ID which i have is not accepted for verification). I have used and it worked but my bank has stopped doing services on skrill and paypal. Can you please suggest other sites. Thank you Beigel

  3. please i would like to know,how i should get started with the bitcoin,the importance,the benefit,and how i can make use of the bitcoin i bought..

    • Zsofia - 99Bitcoins support on

      Hi Gray, you can sign up to the Bitcoin Crash Course on the home page, that should cover all the information you need to start.

      • please bro i live here in europe georgia tbilisi, trying to fund my bitcoins via my debit card it has totally refused… i try paypal it refused, i tried coinbase it refused, i tried it refused. please do you have any form of plate form through which i can fund my bitcoins directly? please help me.

        • refused because all of that exchangers (that you list) now require to upload your Documents for validation (passport and latest apartment bills). Especially for citizens of colonial countries.
          Paypal now will not allow you to receive money. Because they already put Georgia and Ukrain in flagged list (counties where living very poor people).
 will allow to pay using card but only if you will upload scans of your documents to then (check “validate account with ID” inside your account.

  4. Just want to warn ppl about They looked to be the best but after I took the time to sign up secure my account and link my card they told me they don’t serve Florida yet so I couldn’t use ANY of their services. So for the heck of it I checked to see if it would take me with different states. From the first few in the alphabet California was the only state they served. Can’t speak for the rest of them but enter your address first thing to see if they server you before wasting time. It’s such a shame cause they seemed so good. :(

  5. i want the website to buy bit coins who has very very less verication i cannot submit id proof and all email and phn verification can done plz help me out with that

  6. Only problem is most of these sites will ask you to verify yourself. Companies has lost hundreds due to people buying BTC with stolen credit cards, You credit card may be worth $3 but Bitcoin is worth alot more than a stolen credit card

    • It depends on the exchange. Most exchanges will accept a direct wire, but it’s best you contact their support.

  7. Please i need real and legal sites that i can be using my master card to buy bitcoin from them. And i need bitcoin master card too so that i can withdraw my money through master card. Please i would be expecting your reply soon.

  8. Hi,
    I really learn lots on 99bitcoins. your post are really amazing for beginners.
    I want to know any trusted BTC investment sites that
    you know for earning interest on my Bitcoins.
    Thank you

  9. Not sure if I understand about VirWox. It says the account is deleted in 24 hours, but you say the transaction may actually take a couple of days? It sounds like I’d probably lose money.

    • Not sure where you’re seeing that your account is deleted in 24 hours. Normally that shouldn’t happen, perhaps it’s a specific issue with your account? I’d appreciate some more information in order to help.

  10. I’ve noticed quite a few typo’s on your site, which I’m sure you’d like to correct. Do you have a webmaster email address or something? Nothing spells shaydie better than multiple typos on a website. IYKWIM.

  11. Before doing debit with be aware that they want all information under the sun, including you social security number. Thought about using them, but honestly I dont really trust anyone asking for my social security number online.

    • Ofir Beigel on

      Yup that’s right and I guess it is your decision but from my experience they are pretty reliable.

  12. Mike Rosen on

    I tried debit first… got scammed three times. avoid like the plague. after the three scams it was just more time wasting. sites say they have debit but don’t

    Local bitcoins and paxful both don;t have any debit sellers, that should tell you something. The Paxful chat girl Sarah explained the whole process to me. no seller in their right mind does debit unless it is to their own mother because of chargeback risk.

  13. I was wondering if you can buy bitcoins with a debit card and if so, how to do it and you’ve cleared that up so thanks!

  14. I like Plus500 because it took me little time to get the account made and start trading. Their demo account is also a very good way to see what they are made of. They also have translation in a lot of languages – 32 compared to 14 that AvaTrade offers.

    • Ofir Beigel on

      Thank for the feedback Michael. I guess this will mainly matter to people who don’t have their language translated :)

  15. Thanks for doing the video tutorial for VirWox because I wouldn’t have managed to figure things out without it! I’m serious: I like them but they need a tutorial like this one for beginners like me.

    • Ofir Beigel on

      Owen Virwox is indeed pretty hard to navigate around, unlike Coinmama and Coin.MX. Hopefully they will change their UI in the future.

  16. Great article, Ofir! Thanks for talking about debit cards as well. I do not own a credit card but wanted to trade Bitcoins and didn’t know about AvaTrade or Plus500. Will look into them!

  17. Love CoinMama for this kind of stuff! They have an easy setup and are simple to use – even a 10 year old would manage ;). They have higher fees but they also have some features that make it worth it.

  18. I recently made an account with AvaTrade and they seem pretty cool. Created my account in 7-8 minutes and I could start trading for as low as $100. You can also open a demo account with them (which I did) and test them out.

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