How to Buy Bitcoins with Credit Card or Debit Card

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buy bitcoin with credit card or debit card Buying bitcoin with a credit card or debit card is simple!

It's a great way to purchase small amounts of bitcoin and is usually fast. Companies like Coinbase (USA, Europe & UK), CoinMama (worldwide), and BitPanda (Europe) have made the entire process super easy.

Buying BTC with a credit/debit card, however, usually comes with higher fees due to the high risk of fraud and higher processing fees.

Below you can find a list of companies that let you purchase bitcoin with a debit card or credit card. The availability of each service may vary by location.

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. At Coinbase you can buy up to $150 or €150 of bitcoin per week instantly with a credit or debit card in the United States, Canada, Europe, United Kingdom, Australia, and Singapore. Coinbase charges a flat 3.99% fee on all purchases via credit or debit card. Coinbase's 3.99% fee on these purchases is among the lowest among Bitcoin brokers servicing European and US customers.

This guide will show you step-by-step how to buy bitcoins on Coinbase with a credit card or debit card.

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

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

CoinMamaCoinMama Buy Bitcoin Read Review

CoinMama is a bitcoin broker that specializes in letting you purchase bitcoin with a debit or CC. You'll be charged a 8% fee due to the risks and processing fees that come with credit card payments. It's possible to buy up to $5,000 worth of bitcoin per day, and up to $20,000 per month. After your account is verified and a purchase is made you will receive your bitcoin within a few minutes. Use this link to get 5% off your order. CoinMama is only available in some US states; please see this page for details.

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.

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

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 fast
Cons
  • Highest fees among trusted exchanges that accept credit/debit cards
Ease of use
Easy
Privacy
Low
Speed
Fast
Fees
High
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, and your bitcoin will be available immediately. CEX.io works in the United States, Europe, and some countries in South America.

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

Now we're going to show step-by-step how to buy bitcoins at the exchanges listed above. If you simply want more information about the companies listed above, click here.

Buy Bitcoin with a Credit Card or Debit Card at Coinbase

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 an 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!

Frequently Asked Questions

What are risks are involved 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 CC information and could possibly scam you later.

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?

It can be easy to get bitcoins fast if purchasing with a debit/credit card. 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.

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

Yes, of course. If, for example, Circle's $300 per week limits are too little for you, you could buy $300 on Circle 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. In the end, there is risk with anything related to information online. Even Yahoo was hacked and information on 400 million accounts was stolen.

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.

If none of the companies above suit your needs, try buying bitcoin with cash, SEPA transfer, NETELLER, or Skrill. To find more places to buy bitcoin in your country use our country index.

Note: Buy bitcoin at your own risk. We only recommend companies we find and can't guarantee the security of your funds. We recommend buying bitcoin and immediately moving it to a wallet you own.