How to buy cryptos with a bank card

Buying cryptocurrencies is easier than ever these days. More and more services are now making it possible for us to buy cryptos like Bitcoin, Ethereum, Tron, Stellar and more with our bank cards. That means both our credit cards or debit cards. Just like paying for your coffee, Amazon delivery or restaurant meal.

This isn’t perhaps news, but crypto is slowly becoming more and more user-friendly. As more businesses realise the potential of this industry.

This means that anyone with a bank card can now buy cryptocurrencies easily from their mobile phones or computers.

Let us explore what options we have available when we want to buy crypto with a bank card.

Best options to buy crypto with a bank card

According to us and the crypto community, these are some of the most popular and used options for buying cryptos easily with your bank card.

1 ) Coinbase

Coinbase is one of the most well–known brands for people to easily buy and sell cryptos. And of course buying cryptocurrencies with your bank card (debit card or credit card) is possible at Coinbase.

Simply go to and sign up for a new account if you don’t have one, otherwise login. And then you need to make sure that you have linked a card to your account. You can do this via settings. And then with first level verification (ID and personal details) you can buy cryptos to the value of $10,000 per week.


Fees for buying at Coinbase with a bank card is 3.99% of the transaction.

2 ) CEX

Second option that you have is . Join over 3 million customers trading at CEX. You can buy cryptos using a lot of different payment methods at CEX, with banks cards being one of them.

First you sign up for a new account (or login) and then you have the option to buy cryptocurrencies instantly using a bank card. Such as a VISA or Mastercard debit or credit card.

To buy cryptocurrencies using your card at CEX you have to verify your identity and link a card to your account.


The fees to buy cryptos using a bank card at CEX.IO is 2.99% using a bank card.

3 ) Coinmama

Another good option that you have is Coinmama.

Head over to and scroll down to see the instant buy widgets on their site. They will inform you how much Bitcoin or another cryptocurrency you will get for some example amount in fiat currencies (USD, EUR, etc).

If you don’t have an account yet then register, otherwise login. And when logged in you can choose to buy cryptos like BTC or ETH, amongst others instantly.

You need to have a Bitcoin or crypto wallet before buying at Coinmama. So that you can send your newly bought cryptos to it afterward. Don’t worry that is free and easy to create. Learn more about creating a crypto wallet.


The fees for buying cryptocurrencies with your bank card at Coinmama is 5.90%.

4 ) Changelly

Another popular option is Changelly. With Changelly you can both swap cryptocurrencies easily for another. Or buy them with your bank card.

Head over to and click on ‘Buy crypto with a bank card’. And then you select the currency you want to buy with (USD or EUR). Select the amount of BTC or other cryptocurrency from their selection that you want to buy.

Remember you need to have a wallet for that cryptocurrency that you want to buy before buying at Changelly.


5 ) Bitpanda

Another option that is popular amongst cryptocurrency investors is Bitpanda. You can buy cryptos very easily at Bitpanda using a range of payment methods. And bank cards is one of them.

Go to and sign up for a new account if you don’t have one already. And after you have signed up and verified your account you can buy a range of cryptos besides BTC and ETH at Bitpanda. For example, IOTA, Bitcoin Cash, Litecoin, EOS, OmiseGO, NEO and more.

Bitpanda is only avaialable for Europeans

You can of course also buy them using your normal VISA or Mastercard bank cards. You can buy using a range of fiat currencies as well. Such as USD, EUR, GBP, CHF.


The fees for buying cryptos with a bank card at Bitpanda is 1.49% so that’s very cheap comparing to other options on this list.

Common questions when buying crypto

We hope that this guide on buying cryptos using a bank card was helpful. To help you understand even better how cryptos work have we decided to answer some of the more common questions asked by beginners when entering the crypto space.

1 ) Do I need to buy whole coins?

A common confusion is if you have to buy a whole Bitcoin, Ethereum or other cryptocurrency? Which you don’t have to in the world of crypto. You can buy crypto in fractions, so you don’t have to buy one whole Bitcoin.

2 ) What is this I’m hearing about being my own bank?

Another common concern that crypto traders and holders eventually learns about or hears from a more experienced crypto trader, is that you need to be your own bank for crypto.

This means that high emphasis is placed on making sure you are storing your cryptos safely, like how your bank stores your fiat currencies.

This is because many cryptocurrency exchanges today are still less secure. So there are greater risks involved. Another reasons is that not every exchange or trading platform have made it possible for you to store your cryptos there. Like for Coinmama, Changelly and Bitpanda.

3 ) How do I sell cryptos later on?

Another important thing to be aware of is that not every cryptocurrency exchange or platform have made it possible for us to sell our cryptos for fiat currencies. Similar to now how every exchange or platform have made it possible for us to buy using a bank card. Follow this guide on how to cash out your cryptos to learn more about where you can sell BTC or other cryptocurrencies for fiat.

Buying cryptocurrencies using a bank card is super handy. And it have made it really easy for people that just want to buy cryptos without much hassle involved. So it’s great that we today have more options than we did a few years back. It is also important to be aware of the fees for buying cryptocurrencies with your credit card or debit card can be slightly higher than market buying them at an exchange. Learn more about how to buy cryptos using different options.

Written by:
Per Englund, founder of crypto site Go CryptoWise

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About the Author: Rupali Gupta

Rupali Gupta is a blogger, digital marketer and gadget freak, she loves to grab everything happing in the tech and crypto industry. Connect with her at @meetrupaligarg, google plusand about page

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