10 Best ways to buy Bitcoin with credit or debit card

Last updated on September 18, 2019

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In this article explain 10 best ways to buy Bitcoin with credit/debit card with confident. When you are going to buy Bitcoin with credit/debit card, there are few facts to consider of the exchanges or brokers, such as credit/debit card depositing fees, trading fees, KYC verification, beginner friendliness, etc. This article will bring you to understand the actual situation around these services when you are going to buy Bitcoin with credit/debit card and briefly explain features, services, products, pros and cons of the exchange or broker. Let’s dive in,

What is the overall best cryptocurrency broker or exchange to buy Bitcoin with credit/debit card?

In this case, the fact can be varied according to few reasons such as ease of use platform, KYC (Know your customer) verification process, fees for credit/debit card depositing, trading fees, customer service activity, etc.

Let’s consider the overall best cryptocurrency broker or exchange according to the fees are charging to buy 100USD/EUR worth of Bitcoin.

Analysis of exchange credit card fee

The best one is the Luno exchange bad one is Coinmama exchange in this situation. The order represents by the logo are Luno, eToro, Bitpanda, Cex, Bitit, Coinbase, Coinmama, Coincorner, Bitstamp, Changelly.

Let’s consider the overall best cryptocurrency broker or exchange according to the Trustpilot review score. The order represents by the logo are Coinbase, Bitstamp, Luno, eToro, Coincorner, Cex, Bitit, Changelly, Bitpanda, Coinmama, etc.  

Trustpilot score- best ways to buy Bitcoin with credit/debit card

In this case, the best one is Coinmama exchange and bad one Coinbase exchange.

Overall, Btcbeginners.com best pick is Coinmama, and then Bitpanda, Cex.io, Bitit, Coinbase, Bitstamp, Changelly, Coincorner, Luno, and eToro.

Btcbeginners.com best picks- best ways to buy Bitcoin with credit/debit card

01. Buy bitcoin with credit/debit card using Coinbase

Coinbase is US based San-Francisco headquartered, regulated popular cryptocurrency broker and exchange which consists of amazing feature’s, services, and products such as ultra-secure Coinbase wallet, cryptocurrency exchange for pro traders, USDC stable coin, Coinbase earn program, Coinbase Custody, Coinbase commerce, Coinbase Venture, etc.

Features, services, and products

There are important features and service introduce the Coinbase lets find out,

Coinbase.com is beginner-friendly broker and exchange mainly Coinbase performs cryptocurrency buy/sell, wallet service, and portfolio management service. You can buy Bitcoin, Ethereum, Ripple, Ethereum classic, Dai stable coin, Litecoin, Bitcoin cash using Credit/debit card.

Normally Coinbase can be used as an ultra-secure wallet which is support worldwide. If your region does not support buy/sell but still you can use Coinbase as a wallet.

There are mobile apps for buy/sell both Android and iOS to help the beginner as well as professionals.

Coinbase Pro is a Coinbase’s cryptocurrency exchange where It is used by the US and Supported country’s regular traders.

Coinbase Earn all about educating innovational and disruptive cryptocurrency and blockchain projects. Some of the projects are Dai stable coin, BAT and Brave, 0x, EOS, Steller lumens, cash, etc. You can earn a particular coin participating in the program and solving simple quizzes.

Coinbase offers the USD coin which is open-source stable coin project which is maintained and governed by CENTRE powered by Coinbase and Circle. In Coinbase exchange you can convert USD to USD coin with a 1:1 ratio and which can be used in Binance, Poloniex, Coinbase pro.

They offer a business like commerce, custody, and Venture, etc.

Coinbase fee structure

There are two types of fees which are a flat fee and Variable percentage fee.

When using credit or debit card Variable percentage fee will apply which is about 3.99% of the total transaction and the variable percentage fee depends on region and payment methods.

If you are in the US, Canada, Australia, Europe, and Singapore credit card variable percentage fee remain 3.99% of the total transaction and That is will vary for other payment methods.

Coinbase indicates what are the fees are charged before made any transaction.

Coinbase charges spread margin of 2% for digital currency conversion as example Ethereum to Bitcoin.

Standard network fee applies for a digital currency withdrawal from the Coinbase exchange that is fluctuating with the market condition.

Let’s consider you want to buy 100USD worth of Bitcoin using credit/debit card. You are going purchased 103.99USD which is added 3.99% of the total amount. Then you will receive 100USD worth of Bitcoin with respective Bitcoin rate at the time of purchase.

Major steps to buy Bitcoin with credit/debit card on Coinbase

01. Let’s go to the Coinbase and register. In this step, they will ask you to very your phone number, upload your government issue photo of ID card, driving license or passport

Coinbase register

02. Then you need to add credit/debit card through add card section also, you can add a bank account

Coinbase payment method

03. After depositing the USD, the buy/sell, and buy Bitcoin and other listed altcoin without any hassle. As you can actual Bitcoin buying rate and fee involving

buy Bitcoin with credit/debit card on Coinbase

Pros

  • Regulated Cryptocurrency exchange
  • Transparent fee structure
  • Great security with 2FA
  • Beginner friendly and Amazing user interface

Cons

  • Few countries support
  • Sometimes funds can be delayed deposit and withdrawals
  • Buying Limits and May track your buying activity
  • Poor customer support

02. Buy bitcoin with credit/debit card using Cex.io

Cex.io is UK registered, legally compliance Bitcoin broker and exchange which supports fiat payments through credit/debit cards, swift transfer, ACH transfer. Cex.io supports so many countries for Buy/Sell Bitcoin and few other cryptocurrencies and You can deposit and withdrawal fiat currencies like EUR, GBP, USD, and RUB. 

Feature, Service, and products

Cex.io supports worldwide service for Buy/Sell bitcoin with fiat currencies and It offers fiat withdrawals for credit/debit cards, wire transfer, etc.

Strong security with 2FA authentication, full data encryption and compliant with PCI DDI standards.

Recently Cex.io offers the margin trading with up to 10x leverage with same Cex.io account registration.

Cex.io fee structure

Cex.io will charge 2.99% of the total deposit amount for USD, EUR, GBP, and RUB when using credit/debit card.

Cex.io charges trading fee, it will depend on the 30-day Bitcoin volume. Maximum trading fee is 0.25% of the total amount. If your trading volume increase, trading fee-charging decrease.

Let’s consider you want to buy 100USD worth of Bitcoin using credit/debit card. Cex.io charges 2.99USD and 0.25USD charges as cex.io card deposit fee and trading fee where you need to exchange USD to BTC. Then you need to purchase 103.24USD for getting 100USD worth of bitcoin. 

Major steps to buy Bitcoin with credit/debit card on Cex.io

Please refer the in detail guide to buy Bitcoin with credit/debit card through Cex.io cryptocurrency exchange.

01. Go to the Cex.io website and hit the register button top right corner of the main menu. In this step Cex.io ask you to verify the email, phone number and then provide photo ID, Selfie of yourself, etc.

02. After completing new account registration and verification, log in the dashboard and head over to card section of the main menu then hit add a new card. Follow the guided procedure.

03. After completing the card adding process, hit deposit button and deposited the fiat funds

04. In this case, you directly buy Bitcoin from the buy/sell section of the exchange but It is not recommended because the rate can be a little higher the actual market price. Or head over to trade section and exchange USD to Bitcoin with a market order or limit order.

Pros

  • Great security with 2FA
  • Worldwide support for buying, selling and withdrawing fiat currency
  • Transparent fee structure
  • Good customer support

Cons

  • Buying/selling and fiat withdrawal limits
  • Headache verification process.
  • Direct Bitcoin buy/sell rate is a little higher the actual market price.

03. Buy bitcoin with credit/debit card using Coinmama

Coimama is one of the oldest Bitcoin broker operating worldwide including 193 countries since 2013. Coinmama provides fast, easy Bitcoin and cryptocurrency buying service with few payment methods available such as credit/debit card, bank transfers such as SWIFT and SEPA and Faster bank payment service only for the UK.

Features, Services, and Products

Major payment method supports such as credit/debit card, Bank transfer through SWIFT and SEPA, Faster bank transfer only in the UK.

Coinmama supports popular cryptocurrency buying such as Bitcoin, Ethereum, Ripple, Bitcoin Cash, Ethereum Classic, Litecoin, Cardano, Qtum, etc.

Other than Buying service you can sell bitcoin directly with bank accounts through Coinmama broker service but which is supports only in the European region.

Coinmama Bitcoin calculator provides the exact bitcoin rate and you can determine how much you are going receive but Coinmama processing fee not included in the particular Bitcoin rate.

Coinmama fee structure

Coinmama charges a 5% fee of total transaction made by the credit/debit card. There is no hidden fee are involving.

Let’s consider you are going to buy 100USD worth of bitcoin Then you are going to pay 5 USD as Coimama processing fee. In case you need to purchase 105USD receive 100USD worth of Bitcoin.

Major steps to buy Bitcoin with credit/debit card on Coinmama

01. Let’s go to the Coinmama.com website and hit the Sign up button. Complete the signup and it will ask to verify the email.

Coinmama - buy Bitcoin with credit card

02. Next step, it will ask you to fill personal information, upload photo ID, a selfie with ID and holding a piece of paper written the Coinmama word and date of verifying. It will take some time to buy confirming the verification.

03. Then, log in to the Coinmama website, under buy section select the Bitcoin. Then select currency and amount you want to buy, then click the buy button.

Select Bitcoin amount you want to buy

04. On next screen, you need to enter the designation personal Bitcoin wallet address (please double-check the address). If you don’t own a personal Bitcoin wallet please create the Bitcoin using Electrum desktop wallet. Then click go payment button.

Coinmama - Select destination Bitcoin address

05. On the next screen, select the payment method like credit/debit card and go through the process. If you all done correctly you will receive the order Bitcoin amount within 30 minutes.

Buy bitcoin Coinmama

Pros

  • Fast customer support
  • Worldwide supports including 193 countries
  • High spending limits on buying Bitcoin and other cryptos
  • Fast verification process

Cons

  • Sell service available only the European countries

04. Buy bitcoin with credit/debit card using Bitpanda

Bitpanda is Austria based cryptocurrency exchange and Bitcoin broker operation since 2014 and buying cryptocurrency only supports the European region. Bitpanda offers a wide range of payment methods such as credit/debit card, bank transfers, Skrill, Neteller, etc.

Features, Services, and Products

There are so many Bitpanda features, services, and products in this guide describe few of them summarize way. 

Bitpanda offers a wide range of payment methods which are credit/debit card, bank transfer, Skrill, Neteller, EPS, Giropay, Sofart, Ideal, Zimpler, etc.

Wide range of cryptocurrency buying through the fiat currency which are Bitcoin, Ethereum, Dash, Waves, Basic Attention Token, etc.

Recently Bitpanda introduces the Bitpanda global exchange for experienced traders, professional and institutions and which supports 54 countries.

Bitpanda Launchpad introduces the NEW cryptocurrency IEO’s and fist launch product is the BEST token which is Bitpanda Ecosystem Token and It was raised over 43 Million Euros.

Other than cryptocurrency service, Bitpanda offers the investor to buy and sell metals such as silver and gold.

There is so many Bitpanda related business some of them are Bitpand savings, Bitpand Metals, Bitpanda swaps, Bitpanda to go, Bitpanda plus and Bitpanda Affiliates.

Bitpanda fee structure

The card deposit fee is about 1.5% of the total transaction.

Bitpanda charges 1.49% fee for all cryptocurrency purchases and this amount includes in the offered price of the particular assets. A real-time feed will display when you are doing any cryptocurrency transaction.

Credit/debit card processing fee does not indicate on the Bitpanda websites.

Some fee may charge the banks for exchanging currency, and card issues.

Let’s consider you are going to buy 100USDworth of bitcoin then you are going pay 1.5USD as Bitpanda card deposit fee and 1.49% Bitcoin buying fee, where the total fee amount is 2.99USD. In case you need to purchase 102.99USD to receive 100USD worth of Bitcoin.

Pros

  • Beginner-friendly user interface
  • Wide range of payment methods
  • Great security with 2FA
  • Mobile app for Android

Cons

  • No mobile app for iOS
  • Few countries support
  • Fees are not indicating

05. Buy bitcoin with credit/debit card using Changelly

Changelly is instant cryptocurrency swaps and exchange service which is enabled buying Bitcoin with the credit/debit card payments. Changelly supports varies cryptocurrency payment through the credit/debit card such as Ethereum, Ripple, Litecoin, Basic Attention Token, etc.

Changelly is non-custodial service which means It not store user’s cryptocurrency on their platform and transaction are happening wallet address to wallet address.

Other than buying Bitcoin with credit/debit card, Changelly provides crypto to crypto instant exchange through an intuitive interface.

Features and services

Fiat to crypto exchange service through the credit/debit cards.

Instant cryptocurrency exchange service with the convenient commission fee about 0.25% of the total transaction.

Changelly offers mobile apps for Android users.

Changelly fee structure

Changelly charges 5% of the total transaction made with credit/debit card, and additionally, 5% fee will apply for Simplex the Changelly credit/debit card payment provider. These fees are indicated on their website.

Now you are going to buy 100USD worth of Bitcoin using Changelly instant exchange service. Changelly charges 5USD and Simplex charges 5USD in this case you are going to pay 110USD to receive 100USD worth Bitcoin.

Pros

  • Beginner-friendly intuitive interface
  • Fast customer supports through live chat
  • 150+ cryptocurrency buying with credit/debit card
  • High exchange limits
  • Mobile apps for Android users

Cons

  • Relatively high fees for the buying Bitcoin with credit/debit card
  • Rates are a little higher of the actual market prices
  • No mobile app for the iOS users

06. Buy bitcoin with credit/debit card using Bitsatmp

Bitstamp is a UK based, industry-leading, professional cryptocurrency exchange which is operating since 2011. Bitstamp enables the credit/debit card deposits and few other popular fiat deposit methods. Bitstamp perfectly fit for the beginners and especially for the pro traders and institutions worldwide.

Feature, and Services

Bitstamp supports major payment methods such as credit/debit card, SEPA transfer, international wire transfers, etc.

Bitstamp provides high security with 99% funds store in cold storage facility and Personal data are highly encrypted.

Bitstamp owns a mobile app for Android and iOS with the ease of use intuitive interface. Also, it offers a secure cryptocurrency wallet with these apps.

Bitstamp also provides constant supports 24/7 for cryptocurrency exchange users and also, they will provide personal account managers for professional traders and institutions.

Bitstamp fee structure

Bitstamp charges 5% fee for credit/debit card deposits and may apply an additional fee of the card issuers.

The maximum trading fee will be 0.5% and It will decrease according to your 30-day trading volume.

Let’s consider you want to buy 100USD worth of Bitcoin using credit/debit card. Bitstamp charges 5USD and 0.5USD charges as Bitstamp card deposit fee and trading fee where you need to exchange USD to BTC. Then you need to purchase 105.5USD for getting 100USD worth of bitcoin.

Pros

  • Intuitive interface
  • Mobile app for both Android, iOS
  • 24/7 Constant customer support
  • Reasonable fees

Cons

  • Supports EU countries and few other
  • Headache account verification process.

07. Buy bitcoin with credit/debit card using Bitit

The Bitit is a cryptocurrency broker and exchange which provides instant, easy and secure cryptocurrency buy/sell with major payment methods such as credit/debit card, SEPA transfer, and cash vouchers. Which supports 50+ countries including US, UK, Canada, Australia, etc.

Feature and Services

Major payment methods support such as credit/debit card, SEPA transfers

Great security with a non-custodial feature, meaning you will receive your funds to personal wallet with a fast and secure way.

Wide range of crypto buying enables with credit/debit card. Other than buying Bitcoin with credit/debit card, you can buy Ethereum, Ripple, Binance coin, Bitcoin Cash, Monero, Stellar, Dash, and more with credit/debit card.

Bitit fee structure

Bitit charges 3.9% fees of total transaction made with the credit/debit card and there are no hidden transaction fees involving.

Let’s consider you want to buy 100USD worth of Bitcoin using credit/debit card. You are going purchased 103.9USD which is added 3.9% of the total amount. Then you will receive 100USD worth of Bitcoin with respective Bitcoin rate at the time of purchase.

Pros

  • Convenient, Transparent fee structure
  • Major crypto buying with credit/debit card
  • The limit can be increased with the ID verification

Cons

  • Supports the few countries
  • Poor customer service

08. Buy bitcoin with credit/debit card using Coincorner

Coincorner has established the UK based, cryptocurrency broker and exchange operating since 2014 also, it supports buying Bitcoin, Litecoin, Ethereum and Ripple with credit/debit card.

Features and services

Coincorner supports major payment methods such as credit/debit card, Bank transfer, SEPA transfer, Neteller, etc.

Coincorner provides Android and iOS mobile for easy user’s account management.

Near future, Coinconer will introduce the Coincorner debit card.

Coincorner provides Bitcoin payment accept service which supports worldwide customers with a 1% fee for every transaction.

Coincorner fee structure

Coincorner charges 2.5% of the total deposit amount and then you need to buy Bitcoin, for that charges some fees.

Total amount less than 10EUR/GBP, the fee is 1EUR/GBP

Total amount more than 10EUR/GBP or equal to 25EUR/GBP, the fee is 1.5EUR/GBP

Total amount more than 25EUR/GBP or equal to 50EUR/GBP, the fee is 2EUR/GBP

Total amount more than 50EUR/GBP or equal to 200EUR/GBP, the fee is 3EUR/GBP

Total amount more than 200EUR/GBP, the fee is 1% of the total trade amount.

Let’s consider you want to buy 100EUR worth of Bitcoin using credit/debit card. Coincorner charges 2.5EUR and 3EUR charges as Coincorner card deposit fee and trading fee. Then you need to purchase 105.5EUR for getting 100EUR worth of bitcoin.

Pros

  • Beginner friendly and Simple interface
  • Android and iOS mobile ass for account management service
  • Major payment methods support

Cons

  • Low buy/sell limits
  • Bitcoin buy/sell rates may higher actual market prices

09. Buy bitcoin with credit/debit card using Luno

Luno is a secure, trusted cryptocurrency wallet service provider, exchange, and broker which is based in London UK. Luno supports within a European country, Indonesia, South Africa, Zambia and Nigeria which supports credit/debit card, SEPA within Eurozone, iDeal, Sofort.

Feature, services, and products

Luno supports the major fiat payment methods such as credit/debit card, SEPA within Eurozone, iDeal, Sofort.

Luno provides liquid asset trading exchange other than buying/selling Bitcoin.

Luno wallet is a trusted and secure wallet which can be used as a typical cryptocurrency wallet.

Luno has built the Android and iOS apps to help its users

Luno fee structure

Luno does not charge any fee for credit/debit card depositing and the trading fee will apply which vary but Maximum 0.25% of the total transaction.

Let’s think you are going to buy 100EUR worth of Bitcoin, Card depositing free of charges and 0.25EUR will charges as a trading fee. Then you need to pay 100.25EUR to receive 100EUR worth of Bitcoin

Pros

  • Beginner friendly and Simple user interface
  • Android and iOS app
  • Liquid exchange to buy Bitcoin as well as direct buying
  • Zero credit/debit card deposit fee

Cons

Supports the few countries

  • Poor customer support

10. Buy bitcoin with credit/debit card using eToro

eToro is world-leading social copy trading platform which supports cryptocurrency, CFD, ETF, stock trading, Currencies, Commodities, etc. eToro is not providing Bitcoin withdrawal option to its user’s but you can buy/sell Bitcoin and other cryptocurrencies with confident.

Features and services

eToro supports so many cryptocurrency trading such as Bitcoin, Ethereum, Dash, Bitcoin Cash, Litecoin, EOS, IOTA, etc supports with fiat USD

eToro supports multiple payment methods such as PayPal, credit/debit card, Wire transfer, Skrill, Web money, Neteller, China union pay, Giro pay, etc.

Other than trading Crypto, eToro supports other assets such as CFD, Commodities, ETF, Stocks, etc.

eToro has built the mobile app for Android and iOS

eToro fee structure

eToro credit/debit card depositing is free of charge

eToro charges a 0.75% fee for the Bitcoin buy/sell trade and when considering other crypto assets, trading fees are extremely high.

Let’s think you are going to buy 100USD worth of Bitcoin, eToro card depositing free of charges and 0.75USD will charge as trading fee. Then you need to pay 100.75USD to receive 100USD worth of Bitcoin

Pros

  • Wide range of fiat payment methods
  • Wide range of cryptocurrency supports
  • Excellent customer supports
  • eToro has built the mobile app for Android and iOS

Cons

  • No withdrawal option for Bitcoin and other altcoins
  • Extremely high trading fee

What should I do after Buying Bitcoin

After buying Bitcoin, you need to transfer funds to secure personal wallet from the exchange or broker instead of trading with other cryptocurrency or fiat currency.

Keeping Bitcoin or altcoin in exchanges not recommend methods because always there is an opportunity to hack the exchange.

What are best Bitcoin wallets

Here is a list of best and secure Bitcoin wallet which you can use as your wallet to manage your Bitcoin and other crypto-assets.

 WalletTypePriceMulti-currency supportWebsite
Trezor oneTrezor
Hardware69 EUR and 149 EURYesVisit
Ledger Nano SLedgerHardware59 USD and 119 USDYesVisit
keepkey walletKeepkeyHardware79 USDYesVisit
electrumElectrum
DesktopFreeNoVisit
bitpayBitpaySoftware and MobileFreeBTC, BCHVisit
edge appEdgeMobileFreeYesVisit
coinbaseCoinbase walletOnlineFreeYesVisit
blockchain walletBlockchain walletOnlineFreeYesVisit

Conclusion-buy Bitcoin with credit/debit card

Overall, the Coinmama is the best option to buy Bitcoin with a credit/debit card. In this article explain the 10 best ways to buy Bitcoin with credit/debit card anywhere in the world without countries who not restrict the Bitcoin and cryptocurrency transactions and uses.


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