How to buy Bitcoin with ACH instantly (in the USA & Worldwide)

How Can I Buy Bitcoin With ACH Bank Transfer?

The popularity of the crypto world is growing rapidly, and I can bet that most of you who are reading this are either already in the crypto market or plan to enter sooner rather than later.

Bitcoin is the most popular cryptocurrency,y so it is not strange that you can buy it quite easily. There are many ways to buy Bitcoin, and every leading crypto exchange tries to simplify this process as much as possible. 

One of the most common ways to buy Bitcoin is with your ACH (Automated Clearing House) bank wire transfer. You can do this if you have a US bank account. Yes, it’s that simple. de

The ACH bank transfer method is so popular because ACH transfers are typically free at the more significant part of the banks.

This method allows you to buy Bitcoin online in more significant quantities than with other payment methods.

If you prefer to make your bitcoin purchase using your bank account, EToro USA LLC has you covered. With the convenience of ACH bank transfers through the eToro trading platform, it’s easy for first-time buyers to get started with eToro and fund their accounts.

In this article, I will investigate some of the ways you can buy Bitcoin with ACH quickly. Due to the popularity of this crypto purchase method, some of the trendy crypto platforms have this option. So let’s go into the details. 

How to buy BTC with ACH instantly?

Let’s have a quick look at the 3 best options to buy Bitcoin with ACH, and after that, we will go through each of them in more detail and some of their competitors.


Easy way for new users to purchase Bitcoin
Has lower fees than “easy buy” competitors
Regulated and trustworthy company

User-friendly interface
Various payment options
High liquidity


Huge number of payment options
You can buy all possible coins
Easy to use

7 Ways To Buy Bitcoin With ACH

I have investigated seven platforms where you can buy Bitcoin with ACH, and the process is quite similar in each of them, but let’s have a look. interface is one of the biggest crypto trading platforms, and therefore it offers an option to buy Bitcoin currency via a bank account. However, keep in mind that you need to go through the verification process, so it is not as easy and fast as it might seem. 

To be verified on, the exchange requires scans of a passport, driver’s license, or ID.

On, wire transfers in USD, EUR, and GBP are now fully available to all verified users in locations. However, ACH is available in the USA (USD only). Deposits via bank transfer are entirely free. You’ll always receive the amount you send, even though their payment processor charges some commission.

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Kraken website homepage

Kraken crypto exchange also supports ACH online banking, and with this investment method, you can “purchase a range of cryptocurrencies,” as per their website. Same as with, your account has to be verified, and you need to have a residence in the USA. 

You can buy Bitcoin for as little as $10 on Kraken, which is suitable for investors with lower budgets. However, when it comes to fees, keep in mind that a 0.5% fee will be deducted from the total amount invested with every bank money transfer. 

You can review here a step-by-step guide on how to connect your Kraken widget wallet with ACH banking. Kraken supports up to 3 bank accounts associated at the same time.

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Gemini was founded by Tyler and Cameron Winklevoss (Co-Creators of Facebook) in 2015. Despite launching more recently than most of their competitors, they’ve quickly built a great reputation in the community, and they consistently have some of the largest daily Bitcoin trading volumes of all exchanges.

As a New York-based cryptocurrency exchange, Gemini is fully regulated by the New York State Department of Financial Services (NYSDFS).  This requires them to meet capitalization, consumer protection, anti-money laundering, compliance, and cyber security requirements set by the NYSDFS.

It supports free ACH transfers along with wire and credit card deposits and crypto deposits.

 DepositsWithdrawalsInstant PurchaseWithdrawal LimitsWithdrawal MinimumsFees
ACH Transfer YesYesYes$100,000 dailyNoneFree
Wire TransferYesYesNoUnlimited $50Determined by your bank
Debit CardNoNoYesNANA3.49% + Trading Fees

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Blockfi Homepage

BlockFi is the most recent platform that approved the option to buy Bitcoin with ACH.

The main reason why BlockFi decided to make the above change is the fact that they wanted to offer their users to fund their cryptocurrency and stablecoin purchases instantly. In other words, BlockFi users now have an option to take advantage of market opportunities without delay.

The process is very similar to other platforms, just make sure your account is verified and then link your bank account with the platform. 

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coinbase homepage

Another platform where you have an option to buy Bitcoin with ACH. Coinbase is widely considered one of the best Bitcoin wallets. The main advantage of Coinbase compared to its competitors is that the process of buying BTC is pretty straightforward. 

Coinbase allows its users to easily buy Bitcoin by directly transferring their money from the bank account, and this is a standard procedure to buy BTC with ACH. 

Keep in mind that earlier, it took 4-5 days for the process to be over if you use Coinbase. However, the process is now way more efficient:

  • Link your credit card/debit card with your Coinbase account
  • Initiate ACH transfer by deposing funds
  • These funds are immediately available
  • Once your transaction is confirmed, you should see your deposited fiat or purchased crypto immediately available in your Coinbase wallet.

Also another thing to note is that Coinbase charges a flat 1.49% fee on all transactions. 

At this point, it is good to note that all opinions and suggestions written in this article are not considered financial advice.

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Coinmama homepage

Coinmama also has an option to buy Bitcoinwith your bank account. The process is pretty straightforward – create an account on Coinmama, verify it and place your order for Bitcoin. In other words, you are a few clicks away from buying the worlds leading cryptocurrency. 

Keep in mind that with Coinmama, you will have to wait at least one day for payment to go through. 

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Paxful Website Homepage

Paxful offers various ways to buy Bitcoin. As per their website, over 350 payment methods. To be honest, I have not seen a platform with that many ways to buy the leading cryptocurrency

On Paxful, you can find offers from different traders and place your orders to buy Bitcoin. Of course, if you have a US bank account, you can buy Bitcoin with an ACH bank transfer. 

Visit Paxful Now homepage website has also recently enabled the ACH bank options for their users from the US. Per their website, they want to offer their users quick and cost-effective ways to buy Bitcoin.

There is a straightforward step-by-step guide on how to buy Bitcoin with ACH on that you can read here

Pros & Cons of buying Bitcoin with ACH


  • An easy and quick way for newcomers to get the leading cryptocurrency
  • Most banks do not charge any fees for ACH transfers (however, do check with your bank if there are any fees before making a purchase)
  • Money transfers are, most of the time instant 


  • On most exchanges, ACH transfer is available only in the US
  • Not yet available in all states in the US

What Is An ACH Transfer?

ACH (Automated Clearing House) is a payment method for easy money transfer using computer networks. ACH payment processing is the electronic movement between banks across the Automated Clearing House Network (ACH Network) to facilitate payments.

The popularity of this payment method has massively increased in the past few years. That is why the majority of the essential crypto exchanges decided to offer it to their users (anything other than this would not be logical, to be honest).

Where does ACH Works?

We can make ACH payments to bank accounts in the following countries and currencies:

North America

  • Canada (CAD or USD)
  • Mexico (MXN)
  • United States (USD)

Australia / Asia

  • Australia (AUD)* 
  • Hong Kong (HKD)
  • India (INR)
  • New Zealand (NZD)** 

Europe – All payments are sent in Euros (EUR) except where indicated.

  • Austria
  • Belgium
  • Bulgaria
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Gibraltar
  • Greece
  • Guadeloupe
  • Hungary
  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Martinique
  • Mayotte
  • Monaco
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Reunion
  • Romania
  • Portugal
  • Saint Pierre et Miquelon
  • Slovenia
  • Spain
  • Sweden
  • Switzerland

United Kingdom

  • England
  • Scotland
  • Wales
  • Northern Ireland (GBP)

Keep in mind that a more significant part of the significant exchanges still do not support ACH transfers (except if you are a US citizen). However, I do expect this to change in the next few months or years.

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Felix Küster
Felix Küster

Felix Kuester works as an analyst and content manager for Captainaltcoin and specializes in chart analysis and blockchain technology. He is also actively involved in the crypto community - both online as a central contact in the Facebook and Telegram channel of Captainaltcoin and offline as an interviewer he always maintains an ongoing interaction with startups, developers and visionaries. The physicist has couple of years of professional experience as project manager and technological consultant. Felix has for many years been enthusiastic not only about the technological dimension of crypto currencies, but also about the socio-economic vision behind them.

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