The Ultimate Guide
This guide will help you buy bitcoins with a credit card or debit card.
These days, it's pretty easy to do.
We'll show you exactly how in any country. Keep reading!
Welcome to Buy Bitcoin Worldwide! I'm Jordan Tuwiner, the founder of this site.
We understand that buying bitcoins can be extremely confusing. We have endless information to help make buying bitcoins easier for you.
I hope this guide helps!
To buy bitcoin with a credit card or debit card just follow these simple steps:
- Choose an exchange
- Confirm your identity
- Select an amount and buy bitcoins!
By the way:
You'll need a Bitcoin wallet before you buy since some exchanges require one.
If you 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
Coinbase Popular 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. Its 3.99% fee on these purchases is among the lowest among Bitcoin brokers servicing European and US customers.
Want to buy on Coinbase? This guide will show you step-by-step how to use Coinbase.
Get $10 or €10 worth of free bitcoin when you buy more than $100 or €100 worth through this link.
- High liquidity and buying limits
- Easy way for newcomers to get bitcoins
- "Instant Buy" option available with credit card or debit card
- Purchases made with bank transfer can take up to 5 days to complete
- Sending bitcoins directly from Coinbase to a legally-questionable site may result in the closure of your account
CoinMama Popular 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 an 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.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.
- Works in almost all countries
- Highest limits for buying bitcoins with a credit card
- Reliable and trusted broker
- Some of the highest fees among credit/debit card bitcoin brokers
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.
- Some of the lowest fees for buying bitcoins with credit/debit card
- Reliable and trusted broker
- Fees are not displayed publically on website but instead included in buy price
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.
- Support for many countries and has decent fees
- Verification process is extensive; requires tons of information and takes a long time
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.
- High limits make it easy to buy large amounts of bitcoins fast
- Reliable and trusted broker; run by the Bitcoin Embassy in Paris
- Highest fees among trusted exchanges that accept credit/debit cards
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:
Click on "Add Payment Method" in the right corner.
3. Click "Credit/Debit Card"
4. Enter your Credit/Debit Card Information
Note that Coinbase only accepts Visa and Mastercard credit/debit cards at this time.
You should see a confirmation like the one below. If so, your credit/debit card has been successfully added!
6. Buy Bitcoins!
Go to the buy page and you should see a widget that looks like the image below:
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)
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:
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:
Once you've chosen your amount click the green "Buy Bitcoins" button to advance.
3. Select Credit/Debit Card as payment method
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.
5. Enter your Billing Information and Address
6. Enter your Credit or Debit Card Information
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:
8. Upload ID Verification
You'll need to 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.
9. Wait for Verification
CoinMama needs to verify that your credit card payment went through successfully.
10. Confirmation Email
If your credit card payment went through, you should receive an email that looks like this:
Long process, yes!
But that's it. Wait 20-30 minutes for the bitcoins to arrive in the address you provided in step four.
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.
If you don't find an answer to your question in the section below, then post in our Ask section and I'll answer within 24 hours.
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 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.
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.
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.
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.
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
|Coinbase||3.75%||USA, Europe, Canada||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.
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 three basic principles should help you avoid theft, scams, and any other loss of funds:
- Do research before buying on any exchange. Check reviews, ratings, and regulation information.
- Don't store coins on the exchange. Already mentioned above but worth repeating.