Buy Bitcoin with ACH

The companies below let you buy bitcoin via ACH bank transfer. Using ACH bank transfers will help you buy bitcoin online and in larger quantities than other methods. Buying bitcoin with ACH transfer also often comes with lower fees.

ACH is a US transfer system. If you live outside the USA, then you will need to do a money transfer or bank account in your own country, such as SEPA for European Countries..

We may receive advertising compensation when you click certain products. Before jumping into this page, an important disclosure.

  • Popular Exchanges
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    eToro
    BUY NOW eToro USA LLC; Investments are subject to market risk, including the possible loss of principal. Archived, "Virtual currencies are highly volatile. Your capital is at risk."
    Fees
    None
    Account Minimum
    $10
    Promotion
    None
    • Start trading fast; high limits
    • Easy way for newcomers to get bitcoins
    • Your capital is at risk.
  • coinbase logo
    Coinbase
    BUY NOW at Coinbase's Secure Site
    Fees
    0% - 0.50%
    Account Minimum
    None
    Promotion
    Earn $5
    • US based crypto & Bitcoin exchange
    • Best way to buy crypto in the US
    • Instantly connect bank account and buy

CoinbaseCoinbase

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
Cons
  • Purchases made with bank transfer can take up to 5 days to complete
  • Coinbase may track how and where you spend your bitcoins
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Ease of Use
Easy
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Privacy
Low
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Speed
Average
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Fees
Average
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Trusted
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Limits
High
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Coinbase ProCoinbase Pro

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
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Ease of Use
Hard
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Privacy
Low
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Speed
Average
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Fees
Low
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Reputation
Trusted
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Limits
High
Read Review

GeminiGemini

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
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Ease of Use
Hard
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Privacy
Low
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Speed
Slow
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Fees
Low
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Reputation
Trusted
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Limits
High

Bitcoin IRABitcoin IRA

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
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Ease of Use
Average
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Privacy
Low
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Speed
Fast
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Fees
Low
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Trusted
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Limits
High

Swan BitcoinSwan Bitcoin

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
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Ease of Use
Hard
privacy icon
Privacy
Low
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Speed
Fast
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Fees
Low
reputation icon
Reputation
Trusted
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Limits
High

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.

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