Buy Bitcoins with Credit Card and/or Debit Card

Buying Bitcoin’s with credit and debit cards is one of the most popular ways to purchase Bitcoin. On most exchanges, if a credit or debit card is used, you will have instant delivery of your Bitcoins. This is perfect for buying the bottom, or catching a big move right before it happens.

This convenience can come at a price, as most cryptocurrency exchanges will charge around 4% for card purchases. If time is not a concern, consider using a bank transfer to purchase Bitcoin, as you will save around 3% in fees. Below we will compare and contrast several cryptocurrency exchanges that allow Bitcoin’s to be purchased via debit and credit card.



Everybody knows Coinbase as one of the most reputable Bitcoin exchanges in the world. They’ve been pushing to bring Cryptocurrencies to the general public since 2012. Coinbase makes it easy for anyone to get into cryptocurrency. Just make an account, link your preferred payment method, and start purchasing.

Coinbase’s works with the financial authorities in the U.S., so you can be sure that any profits made from the appreciation of Bitcoin or purchases of over $20,000 will be reported as tax needed to be paid.


Coinbase’s credit and debit card purchasing fees are remarkably low compared to the competition at 3.99%. Coinbase’s buying limits are relatively low when using a card to pay compared to its competition, but if you planned to cost average your purchases this shouldn’t be a problem.

All in all, Coinbase provides a fantastic starting point for beginners by having an easy to navigate interface, and quick sign up process.


The first thing that you’ll notice about Coinmama is the user interface of its website. Coinmama offers different “packages” which give a certain amount of cryptocurrency. If you plan to get a different amount than their packages, you can specifiy how much BTC you want to buy.


Coinmama charges a fee of around 5% for credit and debit purchases. Although its fees are higher than Coinbase, they have instant delivery and higher purchasing limits.


BitPanda separates itself from other exchanges by offering many different payment methods and cryptocurrencies. They only sell cryptocurrency to customers in Europe, but have extremely competitive rates and fees.


In total Bitpanda charges between 3-4% for their services The range varies depending on the circumstance, and is not directly displayed upon checkout.


Bitstamp’s claim to fame is that it’s the ‘first fully licensed bitcoin exchange’ in the world. As the statement suggests, Bitstamp provides more than just Debit and Credit card purchases. It also allows to buy with bank transfer, SEPA transfer, and more, plus you can even cash out your balance into gold.

That, however, does not deter from the ability to make Credit and Debit purchases. The page has a simple interface that lends itself to navigation and oversight. Debit card purchases, like with most services, require identity verification. Once the account has been verified, just link your debit card and make purchases as desired.


Credit card purchases over Bitstamp also follow a staggered fee system.

  • For up to 500$/500Euro purchases the fee is 8%.
  • For up to 1000$/1000Euro purchases the fee is 7%.
  • For up to 2500$/2500Euro purchases the fee is 6%.
  • For up to 5000$/5000Euro purchases the fee is 5%.

All in all, very low prices considering that for most other services, 5%+ are charged for the credit card processing alone. Also, similar to Coinhouse, the scaling fee system lends itself to the purchase of large quantities.



CoinCorner is an exchange based in Isle of Man, that has an extremely easy signup process that does not require documents to be uploaded, or for your account to be verified. They have a mobile app and built in wallet, however I would not recommend storing any cryptocurrencies in an exchanges wallet for a long period of time.


Coincorner charges 2.5% fees for the deposit of funds into the exchange, plus an additional 1% upon purchasing, totaling to 3.5% fees.


One of the most popular and established ways of buy Bitcoin is through There are a wide variety of payment methods, including credit and debit cards.

LocalBitcoins operates a bit differently than other exchanges. The prices vary as anyone posts what they are willing to sell their Bitcoins for. Each vendor on the page has a review history which gives you a good idea on how trustworthy the transaction will be.

Also, the page marks the average response time taken for a vendor to respond to your order. All in all, it’s a great peer-to-peer alternative to Bitcoin purchases than the other services listed above.


Localbitcoins charges a 1% fee for using their service, and depending on the price a seller is offering you could technically be paying a higher one. Localbitcoins is a more private way of purchasing Bitcoin, so some users don’t mind paying a few % in fees in exchange.


At the moment, the market rate for Bitcoin credit and debit card purchases is hovering around 5%. Although that might seem like a lot for a regular currency transaction, it is easier to justify given the security risks exchanges face, and the potential gains cryptocurrency including Bitcoin have to offer.

Using a bank transfer will almost always be the most cost effective option when purchasing cryptocurrency, but it is important to be educated about your different payment options.