6 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:

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 5 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:

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

  1. BitPanda


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 relatively 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.


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


  • Fees are not displayed publically but instead included in the buying price
  • Supplies its services to European countries only
  1. CoinBase


CoinBase is one of the most popular sites to buy Bitcoin, Ethereum, and Litecoin. It allows users to purchase up to $150 or €150 per week of Bitcoins via a credit card or debit card in:

Trade while you sleep with two of the best cryptocurrency bots on the market - Cryptohopper or 3Commas.

  • 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.


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


  • Coinbase may track where and how you spend your Bitcoins
  • Support takes time to respond
  • Not available worldwide
  1. Coinmama


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.


Read our comprehensive guide on best cryptocurrency exchanges.

  • 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

Go to Coinmama

  1. Cex.io


Established in 2013, CEX.io 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: CEX.io 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 BTC, you can also use your credit/debit card to buy ETH (Ethereum).

Cex.io 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 CEX.io 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.


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


  • Higher exchange rates
  • Verification process is extensive

Sign up for Cex.io

  1. Bitstamp


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.


  • 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

Create an account on Bitstamp

Important Note: Bitcoin purchasing prices on Indacoin are usually higher. That’s why I recommend you make this your last resort.

6. Cryptopay.me


Established in 2013, Cryptopay is a London-based company that offers its clients a hassle-free service for buying, storing and withdrawing bitcoins and litecoins.

Cryptopay’s service is currently integrated with 3 cryptocurrencies, BTC, LTC, and XRP, and allows seamless exchange between them and 3 fiat currencies, GBP, EUR, and USD. Within their service, they offer two ways to buy cryptocurrencies:

    • By making a bank transfer. This way you’ll have no fee for the transfer itself and will face only a 1% fee for converting your fiat into crypto

  • By linking your debit/credit card, effectively streamlining the above process with a 4% fee. Purchases using this method are accepted in almost any currency


    • Reliable service

    • Supported in 122 countries

    • Withdrawals within a few minutes

    • World-class customer support

    • Fast verification (on average, within 1 business day)

    • Multiple payment options

    • Relatively low fees

  • User-friendly interface


    • Comparatively small standard deposit limits (1000 EUR/USD/GBP per day and 5000 EUR/USD/GBP per month for verified users). Limits are scaled on a case-by-case basis.

    • Only verified users can buy cryptos with a linked card

  • Doesn’t work in the USA

Create an account on Cryptopay


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.


CaptainAltcoin's writers and guest post authors may or may not have a vested interest in any of the mentioned projects and businesses. None of the content on CaptainAltcoin is investment advice nor is it a replacement for advice from a certified financial planner. The views expressed in this article are those of the author and do not necessarily reflect the official policy or position of CaptainAltcoin.com

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? https://www.coincorner.com/ 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. 🙂


    • May I know by using this website what will be the limit comes if I pay by net banking and can I use this website in US also

  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. Linkkoin.com is giving 5$ in BTC for registration. Check it out!

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