How to Buy Bitcoins with Bank Account or Bank Transfer

This page lists companies that will let you buy bitcoins with a bank account or bank transfer. Some countries offer specific transfer types, like SEPA transfer or ACH transfer (USA).

All links are external & open in a new tab, except for "Read Review" buttons. Before jumping into this page, an important disclosure.

CoinbaseCoinbase Buy Bitcoin 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. In Europe you can buy with your bank account via SEPA transfer. Purchases made with ACH take 5 days for the coins to be delivered, while SEPA purchases take less than two days. Coinbase charges a flat 1.49% fee on all transactions. Americans may add a Visa or Mastercard credit card to as a backup to unlock instant payments via bank transfer.

Pros
  • High liquidity and buying limits
  • Easy way for new users to buy bitcoins
  • Instant buy available with credit card or debit card
Cons
Ease of use
Easy
Privacy
Low
Speed
Average
Fees
Average
Reputation
Trusted
Limits
High
Buy Bitcoin Read Review

BitPandaBitPanda Buy Bitcoin Read Review

BitPanda accepts bank account payments via SEPA, SOFORT, and Online Bank Transfer.

Pros
  • Some of the lowest fees for buying bitcoins with credit/debit card
Cons
  • Fees are not displayed publically on website but instead included in buy price
Ease of use
Easy
Privacy
Low
Speed
Fast
Fees
Low
Reputation
Trusted
Limits
High
Buy Bitcoin Read Review

Coinbase ExchangeCoinbase Exchange Buy Bitcoin Read Review

US customers can fund their Coinbase Exchange trading accounts via ACH or bank wire. Residents of Europe and the UK can fund with SEPA transfer.

Pros
  • Some of the lowest fees available for US and EU customers
Cons
  • User interface is confusing for first time buyers
Ease of use
Hard
Privacy
Low
Speed
Average
Fees
Low
Reputation
Trusted
Limits
High
Buy Bitcoin Read Review

GeminiGemini Buy Bitcoin

US customers can purchase bitcoins on Gemini by funding their account with ACH transfer.

Ease of use
Hard
Privacy
Low
Speed
Slow
Fees
Low
Reputation
Trusted
Limits
High
Buy Bitcoin

BittyliciousBittylicious Buy Bitcoin

UK residents can purchase bitcoins within 15 minutes via online bank transfer.

Buy Bitcoin

CoinfloorCoinfloor Buy Bitcoin

UK residents can fund their Coinfloor exchange account with SEPA or online bank transfer, while EU residents can use SEPA. Note that there is a minimum deposit amount of 1,000 currency units (i.e. 1,000 euros or 1,000 pounds).

Pros
  • Trustworthy and regulated exchange
Cons
  • High minimum deposit amount; must deposit at least 1,000 units of currency
Ease of use
Hard
Privacy
Low
Speed
Average
Fees
High
Reputation
Trusted
Limits
Average
Buy Bitcoin

CoinfinityCoinfinity Buy Bitcoin

Residents in Austria can buy bitcoins with a bank account online using SOFORT transfer.

Buy Bitcoin

PaymiumPaymium Buy Bitcoin

Paymium is a Bitcoin exchange based in France; anyone in the country can get bitcoins with a bank transfer using Paymium.

Buy Bitcoin

BityBity Buy Bitcoin

Bity is a Bitcoin broker that makes it possible for all Europeans to purchase bitcoins with SEPA. At first, only verification using a phone number is required.

Ease of use
Easy
Privacy
Average
Speed
Average
Fees
Average
Reputation
Trusted
Limits
Average
Buy Bitcoin

SafelloSafello Buy Bitcoin

Ease of use
Easy
Privacy
Average
Speed
Average
Fees
Average
Reputation
Trusted
Limits
Average
Buy Bitcoin

BitstampBitstamp Buy Bitcoin

Bitstamp is one of the world's largest Bitcoin exchanges. It makes it easy for Europeans to purchase large amounts of bitcoins fast with SEPA bank transfer. Almost anyone in the world can use their bank account to send a wire transfer to Bitstamp, although fees may apply.

Ease of use
Hard
Privacy
Low
Speed
Slow
Fees
Average
Reputation
Trusted
Limits
High
Buy Bitcoin

KrakenKraken Buy Bitcoin

Kraken is the world's largest euro-denominated Bitcoin exchange based on daily average trading volume. It supports bank transfer deposits from US, European, Canadian, British, and Japanese customers. Deposits can be made via international bank transfer, SEPA transfer, and Interac.

Pros
  • High liquidity for large volume buyers in European markets
Cons
  • User-interface makes it difficult for first time buyers
Ease of use
Hard
Privacy
Low
Speed
Average
Fees
Low
Reputation
Trusted
Limits
High
Buy Bitcoin

CEX.ioCEX.io Buy Bitcoin Read Review

CEX.io allows for purchases of bitcoins using ACH in the USA and with SEPA transfer in EU countries.

Pros
  • Support for many countries and has decent fees
Cons
  • Verification process is extensive; requires tons of information and takes a long time
Ease of use
Average
Privacy
Low
Speed
Average
Fees
Average
Reputation
Trusted
Limits
Average
Buy Bitcoin Read Review

CoinCornerCoinCorner Buy Bitcoin

CoinCorner is a Bitcoin exchange based in the Isle of Man. Users in the UK and Europe can purchase bitcoins with SEPA, credit/debit card, or GBP bank transfer.

Ease of use
Easy
Privacy
Low
Speed
Average
Fees
Average
Reputation
Trusted
Limits
Average
Buy Bitcoin

SnapcardSnapcard Buy Bitcoin

Snapcard lets you buy bitcoin with a connected bank account via ACH transfer. Snapcard charges a flat 0.5% fee on all purchases.

Ease of use
Easy
Privacy
Low
Speed
Slow
Fees
Average
Reputation
Trusted
Limits
Average
Buy Bitcoin

CubitsCubits Buy Bitcoin

Cubits accepts SWIFT transfers, and other local bank transfer methods like SOFORT and Online Bank Transfer.

Ease of use
Easy
Privacy
Low
Speed
Fast
Fees
Low
Reputation
Trusted
Limits
Low
Buy Bitcoin

BitfinexBitfinex Buy Bitcoin

Bitfinex allows customers to deposit large amounts of funds using SWIFT.

Pros
  • One of the best ways to buy large amounts of bitcoins
Cons
  • Was recently hacked and has yet to figure out how leaving all of its users' funds at risk
Ease of use
Hard
Privacy
Low
Speed
Varies
Fees
Average
Reputation
Low Trust
Limits
High
Buy Bitcoin

XapoXapo Buy Bitcoin

Xapo accepts account deposits via international wire transfer.

Ease of use
Easy
Privacy
Low
Speed
Varies
Fees
Average
Reputation
Trusted
Limits
High
Buy Bitcoin

HappyCoinsHappyCoins Buy Bitcoin

HappyCoins offers many bank-related instant payment methods such as iDEAL, GiroPay, myBank, Sofort, and SEPA.

Ease of use
Easy
Privacy
Low
Speed
Fast
Fees
Average
Reputation
Trusted
Limits
Average
Buy Bitcoin