Most Popular Websites to Buy Bitcoins Instantly Using Debit/Credit Card

Bitcoin is on its way to becoming mainstream. However, the biggest hurdle is letting users instantly purchase Bitcoins.

Today, most of the Bitcoin exchanges accept many types of payment. The exception is credit and debit cards and one of the reasons for that is because of the irreversible nature of Bitcoin.

However, as 2017 ends it seems easier than ever to purchase Bitcoins with your credit/debit card, and today there are many legit Bitcoin exchanges that have started accepting credit and debit cards as a payment method.

You can also read more about crypto debit cards that are a clever way to pay at online shops or online bitcoin casinos by using bitcoin as a intermediary.

Note: The reason that buying Bitcoins with a credit/debit card isn’t available all around is because of chargeback problems that most sellers wish to avoid. So many exchanges need to protect themselves in order to offer this service. But the problem is that not all of them have the technology to do so.

Before we start to explain how to buy bitcoin with debit card:

You should NEVER leave your Bitcoins at an exchange or a website. Once you buy Bitcoins, move them into your Bitcoin wallet immediately.

Below, we’ve listed 7 proven websites where you can use your debit or credit card to purchase Bitcoins.

Regarding using a credit card, most of these websites use your cash limit on the credit card. That’s why you need to check with your bank to find out what the cash limit on your card is.

So, without further delay, here’s the list of top 5 most popular websites where you can buy Bitcoins instantly using your debit or credit cards:

Buy Bitcoin instantly with debit card

Before we go through all exchanges where you can buy Bitcoin instantly with the debit card, let’s go through the 3 best options, have a look below.


Low fees
High liquidity
Excellent mobile app


Low fees
Established reputation
User friendly interface


Impressive cryptocurrency offering
Social/copy-trading platform
Cryptoasset investing is highly volatile and unregulated in some EU countries. No consumer protectiDon’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more
Cryptocurrency is offered by eToro USA LLC (“the MSB”) (NMLS: 1769299) and is not FDIC or SIPC insured. Investing involves risk. on. Tax on profits may apply.

Most Popular Websites to Buy Bitcoins Instantly Using Debit/Credit Card


In the first months of 2020, world’s most famous cryptocurrency platform Binance, added the option to buy crypto directly for fiat on its main platform as well.

You can buy bitcoin with credit card instantly through their app or web platform thanks to their cooperation with Simplex, Koinal, TrueToken and Paxos. These are third party services that enable Binance users to buy cryptocurrencies: BTC, ETH, BNB and XRP or stablecoins like Tether, BUSD

The fiat gateway from Binance supports a whole host of different fiat currencies: USD, EUR, GBP, VND, BRL, AUD, IDR, ZAR, HKD, INR.

This is in the spirit of Binance – when they add a feature, they add it in style. Access to crypto got much easier for swaths of people across the world. The bought coins go directly to your Binance account where you can start spot or margin trading them, lend them out or stake them – all without a need to leave Binance ecosystem. Huge win for Binance and, by extension, the whole industry since Binance apps are easy to use and intuitive (bad UI and technical barriers plagued cryptocurrency world for a long time).

Countries and regions excluded from this service include: Mainland China, Japan, Canada, Luxembourg, Gibraltar, Bolivia, Ecuador, Pakistan, Colombia, Egypt, Bangladesh, Nepal, Morocco, Belarus, Congo, Cuba, Iraq, Iran, North Korea, Sudan, Syria, Zimbabwe, Crimea.

Here is a complete Binance review if you want to learn more about it.

Buy crypto on Binance now!


eToro built their reputation as the multi-asset trading platform where you can trade metals, CFDs, indices, stocks and currencies – it entered the world of cryptocurrencies with a bang in 2018.

eToro launched their own wallet that enables you to buy coins instantly via credit card. For the US users, no CFDs on cryptos are available but they can trade only real cryptocurrencies on eToro.

This is how you do it:

  1. Click on the BUY CRYPTO section of your eToro Wallet and type in the amount of coin you’d like to buy.
  2. Enter your payment details into Simplex’s billing form.
  3. The chosen coin will be transferred to your eToro wallet.

As you can see, they use the same provider as Binance – Simplex. Keep in mind that you can transfer your coins from eToro wallet to your eToro account and then trade crypto for crypto but to withdraw your coins from eToro to a private non-custodial wallet, you need to have a so-called Gold account or above on eToro.

Credit Cards are not available for deposits for users under the FCA regulation. (on eToro).

Fees they charge are 1% by eToro and 4% by Simplex.

Find out more about trading possibilities of eToro in our review of the platform.

Buy crypto on eToro now!

eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more

Cryptocurrency is offered by eToro USA LLC (“the MSB”) (NMLS: 1769299) and is not FDIC or SIPC insured. Investing involves risk. 

CoinBaseBest Websites to Buy Bitcoin with Credit Card


CoinBase is one of the most popular sites to buy Bitcoin, Ethereum, Litecoin or any of other 13 supported coins. It allows users to purchase up to $7500 per week of Bitcoins via a credit card or debit card in:

  • the United States
  • Europe
  • Australia
  • Canada
  • United Kingdom
  • Singapore

Coinbase charges a flat 3.99% fee on all purchases via credit/debit card. This fee is among the lowest for US and European users.

Also, you will receive an additional $10 Bitcoin bonus when buying more than $100 of Bitcoins.

A quick step-by-step guide on how to get started buying Bitcoins using debit card on Coinbase:

  1. Create an account on Coinbase here
  2. Complete KYC (Know Your Customer)
  3. Go to Payment settings page and click on the button „Add payment method“.
  4. Select a card and add a debit or a credit card.
  5. Coinbase will make two small transactions.
  6. Login to your card statement account.
  7. You will notice the small transaction amount.
  8. Add it to your Coinbase account under the payment page, and in this way you will verify the card.
  9. Once the card is confirmed you can go to “buy/sell” and start buying Bitcoins anytime instantly using your added debit or credit card.

Our comprehensive review of Coinbase fees, security and platform will help you learn more about them.


  • Established reputation
  • Relatively low fees
  • High liquidity and buying limits
  • User friendly interface


  • Coinbase may track where and how you spend your bitcoins
  • Support takes time to respond
  • Not available worldwide

Buy crypto on Coinbase now!



Founded in October 2014, BitPanda is an Austrian start-Up company that allows you to buy Bitcoins or Ethereum with a credit card as well as with wire transfers, SEPA, Skrill, Neteller, and more.

BitPanda has very low fees, but only residents of Europe can use this site.

It’s important to note that the fees aren’t shown openly on the site but displayed in your buy price when completing your purchase.

Find out more about Bitpanda fees and features in this review we wrote.


  • Relatively low fees
  • Multiple payment options
  • Reliable and trusted company 


  • Fees are not displayed but instead included in the buying price
  • Available to European countries only

Buy crypto on Bitpanda now!



Coinmama is another site where you can buy Bitcoin instantly using your credit or debit card.

They take a premium fee for their services (~6% fee). However, they do not limit you to a maximum amount of Bitcoins that you can purchase. You can buy up to $150 worth of Bitcoin without verification. On the other hand, verified accounts can buy $5000 worth of Bitcoin per day and up to $20000 per month.

After you have verified your account and a purchase is made, you will receive your Bitcoins within a couple of minutes.

It’s important to note that unlike other sites, Coinmama doesn’t offer Bitcoin wallet. This means that you need to add your Bitcoin Wallet address on which you want to receive Bitcoins.

Note: Coinmama is only available in some US states. For more details please see this page.

For more details on how Coinmama works, what fees they charge and if they are a legit platform, click here.


  • Reliable and trusted company
  • Good customer support
  • Offers fast service
  • Highest limits for purchasing Bitcoins with a credit card
  • Works in almost all countries in the world


  • Limited states in the United States
  • High fees

Visit Coinmama Now


Established in 2013, is one of the oldest Bitcoin exchanges and works in the United States, Europe, and some countries in South America and is trusted by over 450,000 users.

Note: is only available in some US states. For more details please see this page.

Once your account is verified, go to the “Cards” section and add your cards.

It may take 2-3 days for card verification. However, once it’s verified, you can use it to instantly buy Bitcoins.

Along with buy BTC with debit card, you can also use your credit/debit card to buy ETH (Ethereum). also offers instant withdrawals of EUR, USD, and RUB to payment cards, which means that you can deposit and withdraw funds in and from your payment cards once they are linked to your profile.

Withdrawal requests are processed automatically, right after their placement. Another great thing is that you do not need to log in to third party services. In most cases, withdrawals are processed instantly. This feature will enable you to gain convenient access to withdrawn funds on your MasterCard/VISA right away.

Is legit and how high are their fees? Read more here.


  • Support for many countries
  • Established and trusted company
  • Low trading fee
  • High purchasing limits


  • Higher exchange rates
  • Verification process is extensive

Visit Now



Established in 2011, Bitstamp is another popular and reputed Bitcoin exchange that accepts debit & credit cards as a payment option.

They have had this feature for a long time. However, only recently did they allow more countries to have the ability to buy Bitcoins using a debit or a credit card.

They have a limit of $5,000/€5,000 per day and $20,000/€20,000 per month.

This feature is available for: EU28, Switzerland, Faroe Islands, Aland Islands, San Marino, Greenland, Liechtenstein, Isle of Man, Moldova, Gibraltar, Iceland, Serbia, Turkey, Andorra, Norway, Monaco, Montenegro, Singapore, Taiwan, South Korea, Hong Kong, China, Israel, South Africa, Chile, Japan, Argentina, Brazil, Australia, New Zealand, Lebanon, Puerto Rico, Peru, Qatar, Saudi Arabia, India, Kuwait, Cayman Islands, Dominica, Jordan, the Bahamas, Dominican Republic, Curacao, Madagascar, Mozambique, Trinidad and Tobago, Barbados, Bahrain, French Polynesia, Ecuador, Brunei, New Caledonia, Guadeloupe, Reunion, Jamaica, Paraguay, Martinique, and Sint Maarten.

It’s important to note that this exchange is fully licensed by the Luxembourg ministry of finance. Bitstamp is currently is open to most US and European citizens.

One more thing worth noting is that a one-time verification of your card details is required before instant Bitcoin purchases on Bitstamp.

Full Bitstamp review can be found here.


  • Accepts customer all around the world
  • Multiple payment options
  • Has great reputation


  • Not very user friendly
  • Verification process can take a lot of time
  • Average fees

Visit Bitstamp Now



As you can see, there are so many of websites that allow you to buy Bitcoins using a debit/credit card, so it can get kind of hard to decide which exchange is the best for you.

I hope this post will help you choose the best option.

intelligent crypto
How are  regular people making returns of as much as 70% in a year with no risk?  By properly setting up a FREE Pionex grid bot - click the button to learn more.
Crypto arbitrage still works like a charm, if you do it right! Check out Alphador, leading crypto arbitrage bot to learn the best way of doing it.

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.

  1. Hi Felix,

    Great article. It’s useful to read an article specifically about using debit and credit cards to buy bitcoin. Have you heard of CoinCorner at all? We’re a UK based bitcoin exchange and we offer debit/credit card deposits. Perhaps you might consider us for a future article about bitcoin payment methods? If you would like to find out more about us, feel free to email me and I can send across our Information Pack. 🙂


  2. Awesome article. Thanks for sharing it.

  3. I bought bitcoin using changenow. This is a simple service without registration, VISA and Mastercard accepted. No limits, it is very convenient, I can buy as many coins as I need.

  4. Hi there! Thanks for the article. is giving 5$ in BTC for registration. Check it out!

  5. Till date I have read any information about liquidity of cryptocurrency to fiat currency.

Leave a reply