how to buy bitcoin with credit card

We can both agree on this:

Buying bitcoins with a credit card or debit card is confusing.

Today we'll show you how easy and fast it can be.

We've collected the best exchanges and listed them for you below.

Introduction to Buying

Here's the deal:

Buying bitcoins with a credit or debit card used to be REALLY hard.

Luckily, companies like Coinbase (USA, Canada, Europe & UK) and CoinMama (worldwide) have made the process smooth and fast.

Below, we've listed 5 proven exchanges for buying bitcoins with your credit card.

Before we start:

You'll need a Bitcoin wallet before you buy since some exchanges require one.

Don't have a wallet?

Read our guide on the best Bitcoin wallets.


We suggest using the exchanges listed below or doing research before buying from any exchange.

Many exchanges are simply trying to steal your credit card information!

We do research on every exchange we list and are very careful not to include scam exchanges on our site.

Credit/Debit Card Bitcoin Exchanges

CoinbaseCoinbase Buy Bitcoin Read Review

Coinbase is the world's largest Bitcoin broker.

At Coinbase you can buy up to $150 or €150 of bitcoin per week instantly with a credit or debit card in:

Coinbase charges a flat 3.99% fee on all purchases via credit or debit card, which is among the lowest for European and US customers.

Get $10 or €10 worth of free bitcoin when you buy more than $100 or €100 worth through this link.

A quick step-by-step guide on how to buy bitcoins with credit card on Coinbase:

  1. Create account. Open your account on Coinbase.
  2. Connect credit card. Add your credit card to your Coinbase profile
  3. Verify ID. Verify your ID with Coinbase.
  4. Buy bitcoins! Buy bitcoins using your credit card.

Want to buy on Coinbase? This guide will show you step-by-step in more detail how to use Coinbase.

Pros
  • High liquidity and buying limits
  • Easy way for newcomers to get bitcoins
  • "Instant Buy" option 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

CoinMamaCoinMama Buy Bitcoin Read Review

CoinMama is a bitcoin broker that specializes in letting you purchase bitcoin with a debit or credit card.

You'll be charged a ~7% fee due to the risks and processing fees that come with credit card payments.

CoinMama offers high limits. You can buy up to:

  • $5,000 worth of bitcoin per day
  • $20,000 worth of bitcoins per month

After your account is verified and a purchase is made you will receive your bitcoin within a few minutes.

Get 5% off your order when you use this link.

CoinMama is only available in some US states; please see this page for details.

Want to buy using CoinMama? This guide will show you step-by-step how to use CoinMama.

Pros
  • Works in almost all countries
  • Highest limits for buying bitcoins with a credit card
  • Reliable and trusted broker
Cons
  • Some of the highest fees among credit/debit card bitcoin brokers
Ease of Use
Easy
Privacy
Low
Speed
Fast
Fees
High
Reputation
Average
Limits
High
Buy Bitcoin Read Review

BitPandaBitPanda Buy Bitcoin Read Review

BitPanda is a Bitcoin broker located in Austria. You can purchase coins with a credit/debit card for 3-4% fees.

Note that the fees are not displayed publically but displayed in your buy price when completing your purchase.

Our guide will show you how to buy bitcoins with a credit card on BitPanda.

Pros
  • Some of the lowest fees for buying bitcoins with credit/debit card
  • Reliable and trusted broker
Cons
  • Fees aren't shown openly on the site but instead included in the buying price
Ease of Use
Easy
Privacy
Low
Speed
Fast
Fees
Low
Reputation
Trusted
Limits
High
Buy Bitcoin Read Review

CEX.ioCEX.io Buy Bitcoin Read Review

CEX.io lets you buy bitcoin with a credit or debit card

CEX.io is one of the oldest Bitcoin exchanges and works in the United States, Europe, and some countries in South America.

CEX.io's verification process is extensive and can take up to 30 minutes to complete.

US residents:

CEX is only available in some US states; please see this page for details.

Pros
  • Support for many countries and regions
  • Low 0.2% trading fee
  • Established and trusted exchange
Cons
  • Verification process is extensive, requiring much personal information (including a photo) and incurring a long delay
  • GBP market lacks liquidity
Ease of Use
Average
Privacy
Low
Speed
Average
Fees
Average
Reputation
Trusted
Limits
Average
Buy Bitcoin Read Review

CoinhouseCoinhouse Buy Bitcoin Read Review

European residents can buy bitcoin with a 3D secure credit or debit card at Coinhouse.

The fees range from 6-10% depending on your total buy volume. Coinhouse is a popular option due to its high limits.

Pros
  • High limits make it easy to buy large amounts of bitcoins quickly
  • Reliable and trusted broker; run by the Bitcoin Embassy in Paris
Cons
  • Highest fees among those trusted exchanges which accept credit/debit cards
  • Intensive verification procedures
Ease of Use
Easy
Privacy
Low
Speed
Fast
Fees
High
Reputation
Trusted
Limits
High
Buy Bitcoin Read Review

Tutorials: Buy Bitcoin in Less than 5 Minutes

Coinbase Buying Tutorial (Credit Card/Debit Card)

Coinbase lets you buy bitcoins instantly with a credit card or debit card. Here are step-by-step instructions to help make the buying process easier for you.

1. Create an Account on Coinbase

Once you create an account, confirm your personal details and login. You may be asked to upload a scan of ID. Once you’ve logged in, continue to the next step.

2. Navigate to account settings

Navigate to the top right corner and click on your name. There should be a drop-down menu where you can click "Settings". Then click "Payment Methods" on the menu at the top and you should see something that looks like this:

coinbase

Click on "Add Payment Method" in the right corner.

3. Click "Credit/Debit Card"

coinbase

4. Enter your Credit/Debit Card Information

Note that Coinbase only accepts Visa and Mastercard credit/debit cards at this time.

coinbase

5. Confirmation

You should see a confirmation like the one below. If so, your credit/debit card has been successfully added!

coinbase

6. Buy Bitcoins!

Go to the buy page and you should see a widget that looks like the image below:

coinbase

Enter the amount you want to buy, and click "Buy Bitcoin Instantly". Your coins will then be delivered to your Coinbase wallet!

CoinMama Buying Tutorial (Credit Card/Debit Card)

This section will show you how to buy using CoinMama. (PS: you can also check out our CoinMama review!)

Open an Account on CoinMama

Once you create your account and verify your email address, you can begin following the steps below:

1. Login to Your Account

Once you login, go to "My Account" in the top navigation bar and you should see a page like this:

coinbase

Enter all of your personal details in the fields above and save them.

2. Click "Buy Bitcoins" in the Navigation Bar at the top

You should now be brought to a page that lets you choose how many bitcoins you want to buy. You can choose one of the set amounts-0.5, 1, 1.2, or 2 bitcoins-or scroll down a bit more to select your own amount.

The field to select your own amount looks like this:

coinbase

Once you've chosen your amount click the green "Buy Bitcoins" button to advance.

3. Select Credit/Debit Card as payment method

coinbase


Get a Wallet!

You NEED a Bitcoin wallet for the next step.

If you don't have a wallet yet, learn how to get a Bitcoin wallet now.

We'll wait for you here ;)

4. Enter your Bitcoin Wallet Address

This is the address where the bitcoins you're buying will be delivered to once your payment is confirmed. Paste your address into the empty field.

coinbase

5. Enter your Billing Information and Address

coinbase

6. Enter your Credit or Debit Card Information

coinbase

7. Verify Your Phone Number and Email

You'll receive a 4-digit SMS pin and an email confirmation. Once you've confirmed these forms of contact, you should see this:

coinbase

8. Upload ID Verification

Most people will not need to upload a selfie. Just skip step 8 if CoinMama does not request this from you.

Upload a selfie with you holding your credit card towards the camera. Make sure your name, expiration date, and the first four and last four numbers on the card are visible.

coinbase

9. Wait for Verification

CoinMama needs to verify that your credit card payment went through successfully.

coinbase

10. Confirmation Email

If your credit card payment went through, you should receive an email that looks like this:

coinbase

Long process, yes!

But that's it. Wait 20-30 minutes for the bitcoins to arrive in the address you provided in step four.

BitPanda Tutorial (Credit Card/Debit Card)

This section will show you how to buy using BitPanda. (PS: you can also check out our BitPanda review!)

Open an Account on BitPanda

Once you create your account and verify your email address, you can begin following the steps below:

Login to Your Account

Login to your account and click "Buy" in the top menu bar. You will now see a page like below. Select "Visa/Mastercard" since you want to buy with your credit or debit card. Also, enter the amount of euro you want to spend or amount of BTC you want to buy:

bitpanda

Now confirm that you want to buy with credit/debit. (Note that only 3d-Secure Mastercard and Verfied by Visa cards are allowed. If you don't have one of these try CoinMama or Coinbase).

bitpanda

Now you need to confirm that the amount you entered before is indeed the amount you want to buy. Also, you confirm that you agree to BitPanda's exchange rate. In the "the Current Price" field you can also see the exchange rate you are getting. It will likely be 3-4% above the market rate since BitPanda's fees are included in the exchange rate.

Note, you only have 60 seconds to lock in your exchange rate and confirm!

bitpanda

Now you will have to verify via SMS or a phone call:

bitpanda

Enter the PIN code you received via SMS or phone call:

bitpanda

If you verified successfully, you can now click "Click here to start the payment process". Make sure you note the 10 minute time--you have this amount of time to complete your order.

bitpanda

On this page you enter your credit card details through mPAY24. One you enter your card information press "Bezahlen":

bitpanda

That's it! Now in your BitPanda account you can check your "History" tab to view the trade details.

bitpanda

You should now withdraw the bitcoins you bought to your wallet.

Frequently Asked Questions

If you're still a bit confused, that's okay. Buying bitcoins is hard and that's why I built this site.

The FAQ section below should answer all of your remaining questions.

Jordan Tuwiner Founder, Buy Bitcoin Worldwide

What risks are involved when buying bitcoins with credit card?

First of all, make sure the company you're buying for has a good reputation and is regulated. It's possible that sketchy companies selling bitcoins may be collecting card (credit card fraud) information and could possibly use your information to make fraud purchases with your card.

Some users have reported cash advanced fees, so be sure to understand how your CC company handles the purchase of bitcoins.

What are the benefits and advantages?

Purchasing with a debit/credit card is one of the easiesy ways to buy bitcoins. Also one of the fastest! Since most people understand how to shop online using credit and debit cards, it may be easier for less technical buyers to use credit cards to purchase bitcoins.

What are the disadvantages?

It's hard to buy large amounts of bitcoins with a CC or DC. Also, the fees are higher due to the risk of fraud and scams.


Pro Tip

Do you want to buy larger amounts of bitcoins? Try buying with a bank account and you'll save on fees.

Can I buy bitcoin with stolen credit card?

This is not possible since you won't pass ID verification. It's also illegal, so you should not do it or try.

Can I buy bitcoin with credit card anonymously?

This is illegal and you won't pass ID verification.

Can I buy bitcoin with a pre-paid debit card?

Most exchanges will not allow you to use a pre-paid debit card. To buy bitcoin with a pre-paid debit card you will have to exchange it locally using LocalBitcoins.

If the limits aren't high enough for me, can I buy bitcoins on multiple exchanges?

Yes, of course.

If, for example, CoinMama's limits are too little for you, you could buy $150 each week and also open a Coinbase account and buy an additional $150.

Why was purchasing bitcoins with a credit card once difficult?

Credit card payments are reversible. Actually, merchants don't receive the money from credit card payments until ~60 days after a card is swiped.

Because Bitcoin transactions are irreversible, it's risky for a merchant to sell bitcoins for CC payments. Companies have found new ways to prevent fraud and thankfully this has made it much easier to buy with a CC, as evidenced by the many options listed above.

Is it risky giving up my ID in order to buy?

It depends how much you trust the exchanges. Just like any information you give up online, there is always the risk that it can be hacked or stolen from the website you give it to.

One thing that Bitcoin exchanges have going for them is that because they are constantly under attack, they have some of the best security and protections in place to protect against the hacking of your personal info.

There is always risk with anything related to information online. Even Yahoo was hacked and information on 400 million accounts was stolen.


recommendation

Do you want to buy bitcoins more privately? Try buying bitcoins with cash instead.

Should I leave my bitcoins on the exchange after I buy?

We really recommend storing any bitcoins you want to keep safe in a wallet you own. Many Bitcoin exchanges have been hacked and lost customer funds. If you don't want to fall victim to these hacks then the easiest way is to store your coins in a wallet you control.

Can you sell bitcoins?

Out of the exchanges we listed, CEX.io is the only one that allows you to sell bitcoins to your credit card.

Exchange Comparison

A quick comparison of credit/debit card exchanges. These cover nearly every country in the world.

Buy Bitcoin with Credit/Debit Card at These Exchanges

Exchange Fees
Countries Buy
Coinbase 3.75% USA, Europe, Canada Buy
CoinMama ~7% Global Buy
BitPanda 5% Europe Buy
CEX.io 3.5% Global Buy
Coinhouse 6-10% Europe Buy

Please note that fees are approximate and may vary based on your country or purchase size.

Theft, Scams, and Storage

If you get one thing from this article let it be this:

Don't store your bitcoins on exchanges!!!

I've been buying bitcoins for more than three years. I've never lost any money to scams or thefts. Follow the guidelines in this article and you'll be able to do the same.

Jordan Tuwiner Founder, Buy Bitcoin Worldwide

Here are two examples where users got screwed by leaving bitcoins on exchanges:

And there are many more I could list.

Make sure you get yourself a Bitcoin wallet that will securely store your bitcoins.

Besides storage, there are many scam exchanges out to steal your credit card information and/or bitcoins.

Following these two basic principles should help you avoid theft, scams, and any other loss of funds:

  1. Do research before buying on any exchange. Check reviews, ratings, and regulation information.
  2. Don't store coins on the exchange. Already mentioned above but worth repeating.

Secure Bitcoin Hardware Wallets: