Buy Bitcoins with Credit Card and/or Debit Card

Purchasing Bitcoin on demand can help you ride the upswings before they happen. Too often do we find ourselves watching a buying opportunity that we cannot take advantage of. We know that we want to buy, but we don’t know how to convert our fiat into Bitcoin fast enough. That’s where Credit and Debit card buying opportunities enter the picture. Just visit your preferred service, pull out your card, make the trade and bask in the glory of your decision.

The problem lies in that many questions come to mind when deciding which service to use. Do you want the most cost efficient, the fastest, the most reliable, or the best supported service? Truth is, most of that comes down to your personal preference. Luckily, below you’ll find a comprehensive description of the most renowned Bitcoin exchanges with Credit/Debit support.


The first thing that you’ll notice about Coinmama is the user interface of its website. The page suggests fixed amounts of BTC to give you a better picture of how the rates convert to actual values. Fortunately, you can also decide specifically how much BTC you want to buy. Although not entirely clear, Coinmama’s niche appears is to trade low regulation requirements for an inflated price. Whereas most credit and debit card purchasing methods require an official identification, Coinmama seems to forgo that requirement in exchange for an inflated purchasing price.


Coinmama charges a fee of 6.30% for fiat to Bitcoin trades. In addition, their credit card processor, Simplex, charges an additional 5.65%. All in all, that makes 11.95%, which is a whopping chunk of your money. It’s hard to say whether it would be worth paying that much of your transaction just for the convenience of using a credit or debit card. Additionally, the exchange rate between USD and BTC is displayed as roughly 105% of the market rate, suggesting that the overall purchase fee is more in the area of about 16% all considered.


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. That’s why Coinbase has been a popular option for buying Bitcoin with your credit/debit card since the early days of online Bitcoin exchanges.. Just make an account, link up your card, and start purchasing.

Keep in mind that Coinbase’s popularity makes it heavily audited by financial authorities in the U.S., so you can be sure that any profits that you make from the appreciation of Bitcoin since the purchase will be logged as a necessary tax to be paid. Note that this is true for all other services that you might use to purchase Bitcoin, just that Coinbase has received an extra amount of attention from the authorities throughout 2017.


Coinbase’s credit/debit card purchasing fees are remarkably low compared to the competition. By staying within the range of 3.99%, they can be compared with inflate credit card fees. These great rates, however, come at the price of limited buying option and heavy regulations. All in all, it’s fair to say that Coinbase provides a fantastic starting point for new Bitcoiners trying to gain a feel for the purchasing process.


BitPanda separates itself from other exchanges by offering many different payment methods. That’s not so relevant for this article. You’re here to decide where to make Bitcoin purchases with your debit/credit card after all. However, it’s important to note that despite the vast array of possible payment methods, the prices that BitPanda has to offer are very close to the average market rate – even when compounding the price with the costs of their credit card payment processor.


Bitpanda charges a 2% Credit Card fee in addition to an average of a 2% increase from the going market rate. All in all, the fees are low compared to the most frequently used services.


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.


Coinhouse boasts four main aspects that separate it from its competitors. Instant servicing, regulatory compliance, transparency and reputation. It’s hard to say whether their claim to a notable reputation is justified. Either way, the service provides an accessible user interface that makes navigation for new users straight forward. Most notably, the rates also scale, which makes Coinhouse especially useful for people who trade in large quantities.


Interestingly, Coinhouse offers rates based on the size of the transaction that is made. 10% for up to 5000 Euros, 9% between 5000 and 20000 Euros and 8% for transactions of more than 20000 Euros. Although Coinhouse doesn’t separate its fees between the exchange of fiat to Bitcoin, and then the credit/debit card change, one can still tell that it’s roughly in the middle of the pack in terms of price.


Virwox is an exchange for various virtual assets, and has been around since 2007. Two whole years before Bitcoin came to be, and several years before Bitcoin became a household term. VirWox was initially created for the exchange of Linden Dollars, which is the currency used in Second Life – a virtual life game involving investments (like virtual real estate) that have value that can be traded online.

In 2011 VirWox added support for Bitcoin. What’s interesting about the inclusion of Bitcoin in VirWox, however, is the process by which you have to trade BTC to USD. Instead of buying Bitcoin directly with your credit/debit card, you first have to purchase Linden Dollars, which can then be used to buy BTC. This means that when purchasing Bitcoin from VirWox with your Credit or Debit card, you will incur two stages of fees. First when you convert from fiat to Linden Dollars, and then when you convert from Linden Dollars to Bitcoin. As a result, fees are slightly higher than what you’ll find to be the market average. On the other hand, servicing takes place instantly with the choice of waiting for slightly more competitive prices. So the trade-off can be summarized as exceptional convenience for slightly higher fees.

Another quirk that arises from the need to use Linden Dollars as an intermediary medium is that you’re bound to have spare change lying around in your VirWox account because Linden Dollars have to be purchased in integer steps.


Fees are relatively reasonable (approximately 3.5% per conversion stage) despite the requirement to change for Linden Dollars as an intermediary step between fiat and Bitcoin. That makes for roughly 7% overall (plus the change stuck in your account and the base SSL fees and withdrawal and deposit fees).


IndaCoin separates itself from the other services discussed in this article by focusing the user interface specifically on Bitcoin credit and debit card sales. However, IndaCoin also offers a Bitcoin trading platform for professionals as well.

You’ll find yourself immediately guided to the credit card purchases right from the start. Credit cards from all over the world are accepted and the fiat amount is denoted in Euros and US Dollars. All in all, Indacoin seems like a bare-bones purchasing portal tailored specifically to the use of credit and debit cards. At the moment, it seems fair to ask why one should use Indacoin over other more reputable services like VirWox or Coinbase.

Sources state that despite IndaCoin’s claim that clients are serviced within 15 minutes, in actuality this does not always turn out to be true. Furthermore, purchasing limits are extremely tight at steps of $100, $200 and $500 per day depending on your account level.


IndaCoin rates are unusually high at 14% for credit card transactions. This begs the question moreover why anyone should be enticed to purchasing their Bitcoin through IndaCoin.

247 Exchange

Edit: 247Exchange is not working anymore.

Very user friendly user interface. The web development team clearly placed emphasis on clarity and simplicity. It’s basically impossible not to find your way to the purchasing page, and even then, you can head straight there by pointing your browser to


Relatively speaking, purchase fees are on the lighter side of the equation. charges a 2.5% rate for the sale of Bitcoin. But on top of that, the credit card processor that they use, Simplex, charges an extra 5% to process your credit/debit card. That makes for 7.5% in total for every purchase. That might seem a lot for a regular currency transaction. However, for Bitcoin, where most credit card purchasing portals hover around the 10% mark, 7.5% makes for a pretty reasonable exchange.


Likely the most popular and established way to buy Bitcoin is through You have huge choice of options, ranging from paypal, to bank deposits, transfers and even gift cards. With all the other possibilities to buy Bitcoin, we tend to forget that you can also use your credit card to buy Bitcoin from LocalBitcoins. The prices depend on the user that are offering to sale, and the current demand of the user, but you can be sure that the exchange rate will be well above the market average. Either way, there are several benefits to draw from. Most notably, each vendor on the page has a review history which gives you a good idea 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 all the services listed above. It won’t necessarily be the most affordable option, but it’s a solid possibility that will always be there for you no matter the climate of the Bitcoin economy.


At the moment, the market rate for Bitcoin credit/debit card purchases is hovering just under 10%. Although that might seem like a lot for a regular currency transaction, it is easier to justify given the pronounced positive trend that we’ve recently found. So although it might just cost you 2-5% to convert between fiat currencies, cryptocurrency exchanges likely justified their ‘inflated’ rates by pointing to the astounding growth rates that we’ve experienced in the crypto space throughout 2017.