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Popular Exchanges
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eToro - Start trading fast; high limits
- Easy way for newcomers to get bitcoins
- Your capital is at risk.
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Coinbase - High liquidity and buying limits
- Easy way for newcomers to get bitcoins
- "Instant Buy" option available with debit card
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Coinbase Pro - Some of the lowest fees available for US and EU customers
- Possible to buy bitcoins for 0% fees
- Run by Coinbase
eToro USA is a trading platform based in the USA. It accepts deposits via ACH.
It offers unique features like social trading. It also supports other coins like ethereum, litecoin, Zcash and about 10 more.
Your capital is at risk.
This ad promotes virtual cryptocurrency investing within the EU (by eToro Europe Ltd. and eToro UK Ltd.) & USA (by eToro USA LLC); which is highly volatile, unregulated in most EU countries, no EU protections & not supervised by the EU regulatory framework. Investments are subject to market risk, including the loss of principal.
Pros
- Offers unique copy trading feature
- Trusted exchange that has been active in traditional finance
- Interface is clean and easy to use
Cons
- You cannot deposit cryptocurrency, but you can deposit with other payment methods

Ease of Use
Easy

Privacy
Low

Speed
Average

Fees
Low

Reputation
Trusted

Limits
High
Buy Now Read Review Coinbase is the world's largest bitcoin broker. In the United States you can buy bitcoin with a connected bank account via ACH bank transfer. Coinbase charges a flat 1.49% fee on all transactions. You'll have to wait five days to receive your bitcoin. If you add a Visa or Mastercard credit card to your account all bitcoin purchases besides your first will be delivered instantly.
Pros
- High liquidity and buying limits
- Easy way for newcomers to get bitcoins
- "Instant Buy" option available with debit card

Ease of Use
Easy

Privacy
Low

Speed
Average

Fees
Average

Reputation
Trusted

Limits
High
Buy Now Read Review Coinbase Exchange is only available in certain U.S. States. You can fund your account via ACH transfer.
Pros
- Some of the lowest fees available for US and EU customers
- Possible to buy bitcoins for 0% fees
Cons
- User interface is confusing for first time buyers

Ease of Use
Hard

Privacy
Low

Speed
Average

Fees
Low

Reputation
Trusted

Limits
High
Buy Now Read Review
Another way to buy Bitcoin using ACH is to access funds in your traditional or Roth IRA, or any 401k plan you have with your employer.
To do this, you will need a Bitcoin IRA.
There are many great Bitcoin and Crypto IRA custodians, and we cover them all in our Bitcoin IRA guide.
If you have retirement money saved up and are interested in buying tax advantaged Bitcoin, this is a great way to start buying Bitcoin.
Pros
- Tax Advantaged Bitcoin Savings
- Easy to set up account
Cons
- Cannot custody the Bitcoin yourself

Ease of Use
Average

Privacy
Low

Speed
Fast

Fees
Low

Reputation
Trusted

Limits
High
Buy Now Gemini is a Bitcoin exchange that serves both individual and institutional clients. You can fund your exchange account via ACH transfer or wire transfer. Currently available in 26 U.S. states.
Pros
- Trustworthy and regulated exchange
- Instant deposit lets you buy coins quickly (but not withdraw them)
- Some of the lowest fees in the US and Canada
Cons
- Somewhat confusing to use for new buyers
- Not yet available in all US states

Ease of Use
Hard

Privacy
Low

Speed
Slow

Fees
Low

Reputation
Trusted

Limits
High
Buy Now Swan Bitcoin is a Bitcoin exchange that serves both individual and institutional clients. You can fund your Swan account via ACH transfer only. Currently available in all U.S. states except New York..
Pros
- Easy to set up
- Automated dollar cost averaging
- Very low fees
Cons
- First purchase takes awhile
- No way to sell on platform

Ease of Use
Hard

Privacy
Low

Speed
Fast

Fees
Low

Reputation
Trusted

Limits
High
Buy Now Frequently Asked Questions
Does ACH work with Coinbase?
US Customers can use link their bank accounts to their Coinbase account to initiate an ACH transfer and deposit funds.
Once the ACH clears, these fuinds are immediately availabe to the customer for buying and selling on Coinbase.