November 3, 2021

Buy Bitcoin with Debit Card

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You may be struggling to find the right place to buy Bitcoin with a debit card. But there are plenty of good options. Keep reading to see what they are.

Best Places to Buy Bitcoin with a Debit Card
  1. eToro
  2. Crypto.com
  3. Gemini
  4. Kraken
  5. Binance
  6. Coinbase

Buying Bitcoin with a debit card is as convenient as it gets.

But not all exchanges allow you to do it. And some that do charge very high debit fees.

In this guide, discover the best (and cheapest) platforms that accept debit to buy Bitcoin.

Best Places to Buy Bitcoin with a Debit Card

Here we've compiled a list of the top cryptocurrency exchanges to buy Bitcoin with a debit card, arranged by price.

Remember that besides the debit card purchase fee, other costs such as transaction fees, convenience fees, and bid/ask spreads may apply. These vary by platform.

Debit Card Purchase Fee
eToroFree
Crypto.com2.99% in the U.S. and most countries, 3.99% in a select few
Gemini3.49%
Kraken3.75% + €0.25
Binance3.5% or $10, whichever is higher
Coinbase3.99%

1. eToro: Cheapest for Buying with Debit

If you're looking to buy Bitcoin with a debit card, eToro is one of the cheapest places to do it.

Of the exchanges on this list, eToro is the only one that doesn't charge a separate fee to make debit card purchases. It still isn't free, however, as you'll need to pay the 0.75% spread they charge when buying Bitcoin.

To deposit funds via debit card, input your name, card number, expiration date, and CVV code. The name on the card must be the same as the account holder. eToro accepts Visa, Mastercard, and Maestro cards.

Debit Card Purchase Fee: Free

etoro Features

  • CopyTrading: Allows users to mimic the trades of other investors automatically.
  • CopyPortfolios: Curated sets of crypto coins from different sectors of the market
  • Educational content and financial reports
  • Limited staking
  • Trading in stocks, CFDs, ETFs, Indices, and Forex, (not available to customers in the U.S.)

Besides Bitcoin, eToro offers a somewhat limited range drawn from the most popular cryptocurrencies:

  • Bitcoin, Ethereum, Bitcoin Cash, Ripple, Dash, Litecoin, Ethereum Classic, Cardano, Iota, Stellar, EOS, NEO, Tron, ZCash, Tezos, Compound, Chainlink, Uniswap, Yearn.finance, Dogecoin, Aave, Decentraland

eToro
Read ReviewVisit Site

eToro

Pros:
  • Copy actions of top traders
  • No commissions (only charges a spread)
  • Virtual practice account
Cons:
  • Only supports 24 coins in US
  • Slow customer service response time

Our Review: StarStarStarStarEmpty StarEmpty Star (3.8) eToro is a cryptocurrency trading platform known for its popular CopyTrading feature. Find out if it's worth the fees and how it compares to other platforms... Read full review

Trade Popular Cryptocurrencies

2. Crypto.com: Best Extra Features

Crypto.com aims to be your one-stop-shop for all things crypto, and they come in at a fairly reasonable price when it comes to buying Bitcoin with a debit card.

You can add your debit card through the "Buy Crypto" function in the Crypto.com app in just a few steps.

Debit Card Purchase Fee: 2.99% in the U.S. and most countries; 3.99% in select regions.

In addition to the Debit Card Purchase Fee, Crypto.com charges a spread that varies from 0.25% - 0.5%.

Crypto.com Features

  • Margin trading up to 3x, limit orders, and derivatives with up to 50x leverage
  • NFT marketplace
  • Range of crypto-rewards Visa cards
  • Custodial and non-custodial wallets
  • Crypto interest accounts
  • Pay feature that lets you spend your crypto at local merchants

Keep in mind: Many of the benefits require holding Crypto.com's proprietary token, CRO. These perks include reduced rates on their crypto-backed loans, higher interest on their staking accounts, and access to their higher-tier credit cards.

Crypto.com supports a list of over 90 cryptocurrencies and stablecoins, including the following:

Popular coins on Crypto.com:
  • 0x
  • 1inch
  • Aave
  • Aavegotchi
  • aelf
  • Algorand
  • Amp
  • Ampleforth Governance Token
  • Ardor
  • Ark
  • Arweave
  • Audius
  • Avalanche
  • Axie Infinity
  • BakeryToken
  • Balancer
  • Bancor
  • Band Protocol
  • BigONE Token
  • Binance Coin
  • Binance USD
  • Bitcoin
  • Bitcoin Cash
  • Bluzelle
  • Cardano
  • Casper
  • Celer Network
  • Chainlink Solana
  • Chiliz
  • Chromia
  • Compound
  • Compound Coin
  • Contentos
  • Cosmos
  • Crypto.com Coin
  • Curve DAO Token
  • Dai
  • Dash
  • Decentraland
  • DIA
  • DigiByte
  • Dogecoin
  • Ellipsis
  • Elrond
  • Enjin Coin
  • Enzyme
  • EOS
  • Epanus
  • Ethereum
  • Ethereum Classic
  • Everipedia
  • Fantom
  • Fetch.ai
  • Filecoin
  • Flow (Dapper Labs)
  • Game.com
  • Gas
  • Gemini Dollar
  • Gitcoin
  • Golden Ratio Token
  • Golem
  • Harmony
  • Helium
  • Holo
  • HUSD
  • Hydro Protocol
  • ICON
  • iExec RLC
  • Injective Protocol
  • Internet Computer
  • IOST
  • IQ.cash
  • IRISnet
  • Kava
  • Komodo
  • Kusama
  • Kyber Network Crystal Legacy
  • Lisk
  • Litecoin
  • Livepeer
  • Loopring
  • Luna Coin
  • Maker
  • Nano
  • NEAR Protocol
  • Neo
  • Nervos Network
  • NKN
  • NuCypher
  • Numeraire
  • Ocean Protocol
  • OMG Network
  • Ontology
  • Ontology Gas
  • Origin Protocol
  • Pancake Swap
  • PAX Gold
  • Paxos Standard
  • Polkadot
  • Polkastarter
  • Polygon
  • Qtum
  • Raiden Network Token
  • Rally
  • Rarible
  • Ravencoin
  • Ren
  • Reserve Rights
  • Ripple
  • Shiba Token
  • Siacoin
  • SKALE Network
  • SoMee.Social
  • Stacks
  • Stellar
  • Storj
  • Stox
  • STRAX
  • SushiSwap
  • Synthetix Network
  • Tellor
  • Terra
  • Tether
  • Tezos
  • The Graph
  • The Sandbox
  • THETA
  • Theta Fuel
  • THORChain
  • TomoChain
  • TrueUSD
  • UMA
  • UNICORN Token
  • Uniswap
  • Universe
  • USDC
  • VeChain
  • Venus
  • VeThor Token
  • Waltonchain
  • Waves
  • Wrapped Bitcoin
  • XSGD
  • yearns.finance
  • Zilliqa

Crypto.com
Read ReviewVisit Site

Crypto.com

Pros:
  • Wide variety of altcoins
  • Extensive features
  • Excellent security
Cons:
  • Crypto loans not available in USA
  • Slow customer service

Our Review: StarStarStarStarStarEmpty Star (4.1) Crypto.com is a one-stop shop for everything crypto—from Bitcoin to NFTs, they've got pretty much everything. But is it legit? Read on to find out... Read full review

USD $10 Sign Up Bonus

3. Gemini: Best Security

Buying Bitcoin with a debit card on Gemini isn't exactly cheap, but it's still more affordable than many of their competitors.

Debit cards are one of the quickest and easiest ways to make purchases on Gemini. They accept cards in a range of currencies including USD, AUD, CAD, EUR, GBP, HKD, and SGD.

Once you've selected your fiat currency, you'll input your relevant personal information, verify your card, and you'll be ready to buy Bitcoin.

Unlike several other major exchanges, to date, Gemini has never been hacked.

Their beginner-friendly interface is easy for newer users to grasp, and more advanced traders may take advantage of their more expert-oriented ActiveTrader platform, which offers more trading options.

Debit Card Purchase Fee: 3.49%

Gemini Features

  • Most crypto holdings stored offline in air-gapped, geographically distributed facilities
  • Any crypto kept in hot wallets is insured and protected to a standard of a FIPS 140-2 Level 3 rating or higher
  • Partnerships with third-party vendors to protect against DDoS attacks
  • Much of their internal site is off the public internet
  • Employs strict internal controls over the transfer of crypto.
  • Multi-factor authentication and address allow-listing
  • Personal information is encrypted
  • Account operations are rate-limited to prevent brute force attacks.
  • Bug bounty to deter potential hackers
  • Recurring buys for those looking to implement dollar cost averaging or similar strategies.

Gemini offers more than 40 cryptocurrencies, including the following:

Popular coins supported on Gemini:
  • 0x
  • 1inch
  • Aave
  • Amp
  • Balancer
  • Bancor Network
  • Basic Attention Token
  • Bitcoin
  • Bitcoin Cash
  • Chainlink
  • Compound
  • Curve
  • Dai
  • Decentraland
  • Enjin Coin
  • Ethereum
  • Filecoin
  • Gemini Dollar
  • Kyber Network
  • Litecoin
  • Loopring
  • Maker
  • Orchid
  • PAX Gold
  • Ren
  • Skale
  • Storj
  • Synthetix
  • The Graph
  • The Sandbox
  • Uma
  • Uniswap
  • Yearn.finance
  • Zcash

Gemini
Read ReviewVisit Site

Gemini

Pros:
  • Beginner friendly
  • Security-focused
  • Competitive fees
Cons:
  • Moderate selection of coins
  • No margin trading

Our Review: StarStarStarStarStarEmpty Star (4.6) Gemini is a cryptocurrency exchange for investors who prioritize security. Find out if it's as safe as they claim and how it stacks up to other exchanges... Read full review

Buy and Sell Cryptocurrency

4. Kraken: Best for European Investors

While Kraken is a U.S.-based company, they currently only support debit card purchases made in Euros. That means if you're looking to purchase Bitcoin with USD using your debit card, you should look elsewhere.

While funding a Kraken account can be a frustrating endeavor, they do charge a moderate rate for debit card Bitcoin purchases.

Kraken is a more advanced trading platform for more experienced traders, offering features that other, beginner-oriented exchanges might not.

As well as trading more than 55 unique cryptocurrencies, Kraken supports over 20 trading pairs directly with GBP. Due to limited funding options, users may find themselves frustrated trying to deposit money onto the Kraken platform.

Debit Card Purchase Fee: 3.75% + €0.25

Kraken Features

  • Margin trading up to 5x on some trading pairs, 2x or 3x on others
  • OTC (over the counter) trading, and futures
  • Forex trading (rare among crypto platforms)
  • Generous staking rewards on a variety of coins.
  • Extensive security protocols, and users of
  • Kraken Pro will enjoy fees comparable to those on Binance.

Here's a look at some of the cryptocurrency that Kraken users can trade:

Popular coins supported on Kraken:
  • Aave
  • Algorand
  • Aragon
  • Augur
  • Augur v2
  • Balancer
  • Basic Attention Token
  • Bitcoin
  • Bitcoin Cash
  • Cardano
  • Chainlink
  • Compound
  • Cosmos
  • Curve
  • DAI
  • Dash
  • Decentraland
  • Dogecoin
  • Energy Web Token
  • Enzyme Finance
  • EOS
  • Ethereum
  • Ethereum 2
  • Ethereum Classic
  • Filecoin
  • Flow
  • Gnosis
  • ICON
  • Kava
  • Keep Network
  • Kusama
  • Kyber Network
  • Lisk
  • Litecoin
  • Monero
  • Nano
  • Ocean Protocol
  • OMG Network
  • Orchid
  • PAX Gold
  • Polkadot
  • Qtum
  • Ripple
  • Siacoin
  • Stellar
  • Storj
  • Synthetix Network Token
  • tBTC
  • Tether
  • Tezos
  • The Graph
  • Tron
  • Uniswap
  • USD Coin
  • Waves
  • yearn.finance
  • Zcash

Kraken

Pros:
  • Advance market interface
  • Many trading pairs
Cons:
  • Not beginner friendly
  • Difficult to fund account

Our Review: StarStarStarStarEmpty StarEmpty Star (3.9) Kraken is a cryptocurrency exchange with a reputation for low fees and high security. How do they compare to their competitors? Read on to find out... Read full review

Buy and Sell Cryptocurrencies

5. Binance: Best Coin Selection

Binance consistently comes in as the highest volume exchange on CoinMarketCap, and its U.S. arm, Binance.US, is frequently high on the list as well.

Considering they often charge some of the lowest fees in the industry, it's a little surprising that buying Bitcoin with a debit card isn't cheaper on Binance. But it is an option.

Funding your Binance or Binance.US account with a debit card is a quick and simple process that can be completed through the app.

Just go to your wallet section, click deposit, select USD or the fiat currency of your choice, and select debit card from the "Other Payments" option list in Payment Methods.

Debit Card Purchase Fee: 4.5%

Binance Features

  • Free peer-to-peer trading
  • Trading widget compatible with the privacy-focused internet browser, Brave
  • Savings accounts
  • Staking options

Besides Bitcoin, Binance supports nearly 400 coins to trade, including the following:

Popular coins supported on Binance:
  • 0x
  • Algorand
  • Augur v2
  • Band Protocol
  • Basic Attention Token
  • Bitcoin
  • Bitcoin Cash
  • BNB
  • BUSD
  • Cardano
  • Chainlink
  • Compound
  • Cosmos
  • DAI
  • Dash
  • Decentraland
  • Dogecoin
  • Elrond
  • Enjin Coin
  • EOS
  • Ethereum
  • Ethereum Classic
  • Harmony
  • Hedera Hashgraph
  • Helium
  • Horizen
  • ICON
  • KyberNetwork
  • Litecoin
  • Maker
  • Matic Network
  • MIOTA
  • NANO
  • NEO
  • OMG Network
  • Ontology
  • Orchid
  • PAX Gold
  • QTUM
  • Ravencoin
  • Solana
  • Stellar Lumens
  • Storj
  • TetherUS
  • Tezos
  • Uniswap
  • USD Coin
  • VeChain
  • VeThor Token
  • Waves
  • Zcash
  • Zilliqa

You can find a full, up-to-date list of Binance's supported cryptocurrencies here.

Binance

Pros:
  • Wide range of currencies
  • Low fees
  • Secure Asset Fund for users
Cons:
  • May intimidate new users

Our Review: StarStarStarStarStarEmpty Star (4.3) Binance is one of the largest cryptocurrency exchanges in the world. But is it a legit platform for trading your crypto? Find out before you sign up... Read full review

Buy and Sell Cryptocurrency

6. Coinbase: Best for Crypto Beginners

Beginner-friendly cryptocurrency exchange Coinbase isn't the cheapest place to buy Bitcoin with a debit card. But it is easy.

Rather than depositing funds, Coinbase lets you purchase small amounts (up to $150) of Bitcoin directly on your debit card.

Select Bitcoin from the market prices page or your watch list and click Trade, then Buy Bitcoin. From that page you'll be able to set up either a one-time or recurring purchase, and choose your debit card as the payment method.

The debit card purchase fee is charged in addition to their already expensive other fees.

Debit Card Purchase Fee: 3.99%

Coinbase Features

  • Beginner-friendly interface
  • Educational tools that pay you in crypto to learn about new coins and how the world of crypto works
  • Staking options
  • Coinbase Visa card
  • Coinbase Wallet, a separate app that doesn't require Coinbase membership and lets you conveniently store your coins securely

One downside of Coinbase is its history of low regard for user privacy. They are documented to have sold or made efforts to sell certain user data to government agencies in the United States.

Coinbase offers more than 75 cryptocurrencies to buy, sell, and trade, with more added regularly:

Popular coins supported on Coinbase:
  • 0x
  • 1inch
  • Aave
  • Algorand
  • Amp
  • Ampleforth Governance Token
  • Ankr
  • Augur
  • Balancer
  • Bancor Network Token
  • Band Protocol
  • Basic Attention Token
  • Bitcoin
  • Bitcoin Cash
  • Cardano
  • Cartesi
  • Celo
  • Chainlink
  • Civic
  • Compound
  • Cosmos
  • Curve DAO Token
  • Dai
  • Dash
  • Decentraland
  • district0x
  • Dogecoin
  • Enjin Coin
  • Enzyme
  • EOS
  • Ethereum
  • Ethereum Classic
  • Filecoin
  • Gitcoin
  • iExec RLC
  • Internet Computer
  • Kyber Network
  • Litecoin
  • Loopring
  • Maker
  • Mirror Protocol
  • NKN
  • NuCypher
  • Numeraire
  • OMG Network
  • Orchid
  • Origin Token
  • Polkadot
  • Polygon
  • Ren
  • SKALE
  • Stellar Lumens
  • Storj
  • SushiSwap
  • Synthetix Network Token
  • Tellor
  • Tether
  • Tezos
  • The Graph
  • UMA
  • Uniswap
  • USD Coin
  • Wrapped Bitcoin
  • yearn.finance
  • Zcash

Coinbase
Read ReviewVisit Site

Coinbase

Pros:
  • Simple interface for beginners
  • Over 60 supported coins
  • Earn cryptos by learning
  • Coinbase Pro platform has lower fees
Cons:
  • Expensive and complex trading fee structure
  • Only email support

Our Review: StarStarStarStarEmpty StarEmpty Star (3.9) Coinbase is a digital currency exchange where you can buy and sell cryptocurrency. Find out if it's safe, and how it compares to other crypto exchanges... Read full review

Earn $5 in bitcoin for getting started on Coinbase

Other Platforms to Consider

Coinmama
Coinmama is a noncustodial cryptocurrency exchange available all over the world.

While you will need your own wallet to trade on this platform, it does provide a quick option for those looking to buy Bitcoin with a debit card.

Once your account is set up and verified, it's extremely easy to use. Coinmama is one of the few platforms that lets you buy Bitcoin right from the front page.

You can choose from predetermined amounts or enter your own, select your payment option, and your Bitcoin will be transferred to your wallet in short order.

Coinmama is, however, quite expensive, with some of the highest fees in the business.

Debit Card Purchase Fee: 5%

Bitstamp
Bitstamp is an older cryptocurrency platform that will appeal to experienced traders more than beginners.

It runs 24/7, and emphasizes high liquidity and reliable order execution. For those with sufficient trading expertise, they offer a wealth of data and charting options that can help them implement their trading strategies.

When it comes to buying Bitcoin with a debit card, their prices are on the higher end, and they charge the same rate as Coinmama, though with lower transaction fees.

Debit Card Purchase Fee: 5%

Bottom Line

If you want to buy Bitcoin with a debit card, you're in luck.

While it isn't the most widely used purchase method for Bitcoin or other crypto, some may find it more convenient than a bank transfer or wire transfer.

If price is your main concern, eToro is probably your best bet. If you're prioritizing security, or privacy, or ease of use, you may have to pay a little more, but there is sure to be a platform that's right for you.

Jeremy Harshman is a protector of art and writing at CreditDonkey, a crypto comparison and reviews website. Write to Jeremy Harshman at jeremy.harshman@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

eToro USA LLC; Investments are subject to market risk, including the possible loss of principal.

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eToro Review

Coinbase

Earn $5 in bitcoin for getting started on Coinbase

Personalized $5 reward offer is displayed after account creation. Limited time offer and while supplies last. Offer available to new users who have not previously verified their identification. Offer not available to new users who were referred to Coinbase through the Referral Program or who have previously opened an account using different contact information. Coinbase may update the conditions for eligibility at any time, in its sole discretion. See Terms and Conditions.


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July 30, 2021 - By Jeremy Harshman - Tips for Best Cryptocurrency Exchange
In the last decade, Bitcoin has gone from a niche digital currency to an economic powerhouse. Discover the best places to buy Bitcoin in this guide.
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