How to Buy Bitcoins with Credit Card or Debit Card ? (10 Best Ways)

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how to buy bitcoins with credit card or debit card


Summary – The 10 Best Ways to Buy Bitcoins with Credit or Debit Card now

Best For US Customers

eToro ⭐️⭐️⭐️⭐️eToro logo

  • Worldwide
  • Buy & sell real Bitcoin
Best For Non-US Customers

AxiTrader ⭐️⭐️⭐️⭐️⭐️AxiTrader logo

  • Excellent broker
  • Low fees
Best For Physical Bitcoin

StormGain⭐️⭐️⭐️⭐️StormGain logo

  • Own physical Bitcoin
  • Offers sign-up bonus


Your capital is at risk!

Related article: How to Buy Bitcoins with PayPal ? Instantly (6 Best Ways)?

During the onset of cryptocurrency trade, it was impossible to find out how to buy Bitcoins with credit card or debit card. You only had the option to make a wire transfer or use your already owned coins to trade. But this is not the case today. Several companies like StormGain and Coinmama have made the process of buying Bitcoin using your credit or debit card, an easy one.

However, we can agree that though it is possible to use your credit or debit card to buy Bitcoins, it can sometimes become challenging. That is why we have prepared this guide on how to buy Bitcoins with credit card or debit card, for you.

Before getting into the brass tacks of buying Bitcoin using your credit card, let’s take a look at some of the advantages of doing so.

Related article: How to Start Investing in Bitcoin for Beginners (The Best Ways)

Exchanges and Brokers Reviewed

Online Brokers

1. AxiTrader

2. eToro

3. FP Markets

Bitcoin Exchanges

4. StormGain

5. Paxful

6. CEX

7. Changelly

8. Coinmama

9. LocalBitcoins

10. Binance


Pros and Cons of Buying Bitcoin using a Credit or Debit Card

  • Convenience
  • Easy payment option
  • Widely accepted
  • Instant processing
  • Overspending credit limits
  • Higher fees than bank wire
  • Low transaction limits


1. How to Buy Bitcoins with Credit Card and Debit Card with AxiTrader

Your capital is at risk!


AxiTrader Home Page Screenshot - Best Online Broker for Buying Bitcoin with Credit Card

AxiTrader is an Australia-based online broker that was founded by two traders i 2007. Since then their services have expanded globally and AxiTrader’s clients can pride themselves that they trade with the broker that is awarded the Best MT4 broker by AtozMarkets. As the MetaTrader4 platform is the most widely used trading platform, this is a huge accomplishment.

Moreover, at AxiTrader you can trade almost anything; Forex, CFDs, Futures, Indices, Metals and Cryptos. As with other online brokers, at AxiTrader you buy Bitcoin through Bitcoin CFDs which is cost-efficient and let you take advantage to the price rise and fall. You can easily trade long or short.

AxiTrader clients certainly enjoy the broker’s outstanding trading platform and low fee structure. At Trustpilot their clients have given AxiTrader a 4.5 star rating which is excellent.


Guide to Buying Bitcoins using Credit or Debit Card at AxiTrader

  1. Visit AxiTrader –> Fill out form –> Verify email –> Set password

AxiTrader Sign Up Page


2. Choose account

AxiTrader Onboarding - Choose Account

3. Choose license (default according to your country is already set)

AxiTrader Onboarding - License Section

4. Choose Base Currency (default is already set)

5. Then the About Me section. Fill out and click Verify My Account.

6. Upload Proof of Address and ID, then click Continue to next step. You can also choose “Skip this step and come back later” to finish the registration and get your documents prepared later.

AxiTrader Onboarding - Verify Documents

7. Fill out Employment Status and National ID Number –> Short questionnaire about your finances –>  Short questionnaire about trading experience –> Simple knowledge test. After approval you’re ready to trade. You’ll find easy to follow videos on how to place your first trade using the MetaTrader platform.

AxiTrader Onboarding - Complete


How to install MetaTrader4 with AxiTrader


How to place your first trade on the MT4 platform


2. How to buy Bitcoins with Credit Card or Debit Card on eToro

eToro logo

Your capital is at risk!

eToro homepage screenshot

eToro is, by far, one of the biggest social trading and investments platform today. It allows you to invest in stocks and real cryptocurrencies and trade CFDs with the different underlying assets.  The company which has been in operation since 2007 has seen clients open more than 311,108,324 trades on the platform.

  • Accepts US clients
  • Awesome social trading platform
  • Good for trading real Bitcoin
  • eToro crypto wallet
  • Withdrawal fee

If you want to invest in cryptocurrencies, hover on the trading tab, and click on ‘trading platform.’ Enter the amount you want to invest, and then click on open account. Opening an account with eToro is easy and quick.

You will be required to submit your full name, choose a username, enter your email address, set your password, and provide your phone number.

Before you can click on ‘create an account,’ accept the terms and conditions and agree to their privacy and cookie policy.

Once you’ve completed the account opening process, you will be redirected to your account dashboard from where you can open trades.

One of the features that make eToro attractive to novice traders is that it allows one to copy strategies used by other traders. This way, you can reduce your risks and increase the chance of making a profit.

You can use the following credit and debit cards on eToro:

  • VISA
  • Mastercard
  • Diner’s Club
  • Maestro

To deposit funds to your eToro account, click on the ‘deposit funds’ button on eToro. You will then enter the amount you want to deposit in USD or any other currency. Enter the card information and submit.

It is important to note that you can only use your card for funding and not someone else’s.

Related article: #1 Best Forex Broker in Europe (Broker List)

You should also note that there is a minimum amount that you can invest, depending on where you are from. For US and Australia residents, the minimum amount is set at $50. For any other country, the minimum deposit amount is $200.

In pricing, eToro charges a minimum of 0.0005 BTC for its minimum withdrawal amount of 0.0086 BTC.

EToro provides email support to all registered users in case of any technical problems or account issues. Users can also send their feedback to the company using a different email address provided on their contact us page.

With the new feature of trading real cryptocurrencies and creating your own crypto wallet, eToro has really become an all-you-need broker.


3. How to buy Bitcoins with Credit Card or Debit Card on FP Markets

FP Markets Logo - TradingGator Review on Buying Bitcoin with Credit and Debit Card

Your capital is at risk!

FP Markets Home Page

FP Markets has been in the CFD trading industry for 15 years now. It has headquarters in Sydney, Australia, which puts is under the regulation of the Australian Securities and Investments Commission.

FP markets does not allow US clients on its platform and only accepts trading through CFDs. Aside from Bitcoin, you can also trade with Ethereum, XRP, Bitcoin Cash, and Litecoin.

  • Very low prices
  • Well regulated
  • Offers top 5 cryptos
  • Don’t own actual Bitcoin

Some of the benefits that you get with trading Cryptocurrency CFDs on FP Markets is that you do not need a crypto wallet, and you can easily diversify your portfolio. Most importantly, you can trade on leverage with very low spreads.

TradingGator's Bitcoin Guide - How to Buy Bitcoins with Credit Card or Debit Card

The company offers powerful MetaTrader 4 and MetaTrader 5 platforms for trading with a leverage of up to 500:1. The minimum amount you can deposit on FP Markets is $100.

FP Markets offers superb customer support with a live chat option on their website. Traders can also join the company’s telegram channel, where important updates are shared.

FP Markets crypto fees


4. How to buy Bitcoins with Credit Card or Debit Card on StormGain

StormGain homepage buying Bitcoin with Credit and Debit Card

StormGain provides a great opportunity for you to trade with more money than you have in your account. Currently, it has a 200x multiplier, meaning if you have $10 in your account, you can open a trade worth $2000.

  • Offers sign-up bonus
  • Quick sign-up
  • No US clients


How to Purchase Bitcoin with Credit or Debit Card using StormGain

You can instantly buy Bitcoin on StormGain by following the following procedures.

Note: Before you start the buying process, ensure that you have a Bitcoin wallet.

Start by registering an account with StormGain. The entire process takes only a few minutes, before you start trading.



To buy Bitcoin with your credit card, click on the ‘Buy crypto with credit card’ option, select Bitcoin, and enter the amounts you wish to trade. You will then add your card details to complete the payment.

StormGain promises 100% security for your card details, and you can save the card details for future purchases.

For support purposes, StormGain offers a live chat option on their site if you need any help. It also has a super intuitive interface which makes it easy to use, even for an amateur trader.


5. How to buy Bitcoins with Credit Card or Debit Card on Paxful

Paxful logo



Paxful homepage screenshot - Buying Bitcoin with Credit Card review

For more than five years now, Paxful has helped millions worldwide buy bitcoins with credit or debit cards conveniently. Paxful is also one of the fastest-growing peer-to-peer marketplaces. The platform supports over 300 payment methods, which makes it a convenient platform.

  • Buying actual Bitcoin
  • Easy setup
  • Crypto-to-crypto exchange too
  • Finding the right seller/buyer

If you want to use your credit or debit card to buy Bitcoins on Paxful, the system aggregates the best offers from traders around your region. For example, if you are buying from the United States, you will only find offers from people in the US. However, you can change your location preference to find offers from more sellers.

You should take your time when using Paxful to buy bitcoins. Analyze the various offers before settling on one.

To enhance its users’ security, Paxful uses an escrow system integrated with a Paxful Bitcoin wallet. The escrow system helps to protect both sellers and buyers from fraudulent traders. The wallets are secured with a 2-FA to ensure maximum security. You can find the wallet application on Appstore, and Playstore for Android devices, if you want to trade on the go.


Buying process


To buy your Bitcoins, you will first choose an offer, then click on buy. This will redirect you to a new page where you will fill in additional details. On this page, enter the amount you want to spend (the seller determines the currency to use, so ensure that you choose an offer you can pay for with your fiat currency), and you will see the amount of Bitcoin that you will get.

To complete the buying process, open an account first. Once you’ve finished registering your account, you will be redirected to the checkout page to complete your payment. Opening an account will only require your email address and a password. You will then verify the account by submitting your phone number, where a code will be sent to verify identity. You can then proceed to set up your account profile, username, and profile picture.

Once you’ve completed the verification, you are all set to trade. Complete your purchase, and the Bitcoins will be sent to your wallet.

Paxful does not charge you any fee when using your credit or debit card to buy Bitcoins. On the other side, you will have to pay a 1% fee if you want to sell.


6. Buying Bitcoins with Credit Card or debit card on CEX

CEX homepage buy bitcoin with credit card

CEX.IO is one of the leading exchange platforms in the industry. The platform currently has over 3 million registered users and has been in the game since 2013. It offers a high level of security, which is primarily one of the reasons that have contributed to its massive growth. Aside from the security, CEX also offers a cross-platform trading option and a good policy on liquidity.

  • Own actual Bitcoin
  • Worldwide + 25 states in the US
  • Mobile app
  • Limited number of currencies
  • Relatively high fees

When buying Bitcoins with credit card or debit cards, you are more likely to look for the most convenient way to do so. And CEX ensures that you get this with them. CEX.IO allows you to buy Bitcoin using any card and any currency.

Some of the cards accepted on CEX include:

  • Visa
  • MasterCard
  • PayPal with Debit or MasterCard (this option can be useful for you if you want to buy Bitcoins with a small amount of money).


Guide on how to buy bitcoins with credit card or debit card


The first step is for you to create an account. You will be required to provide an email address, a password, and a country of origin to start the account opening process. An email will be sent to you to confirm your account, and once you do that, your account will be active.

After successfully opening the account, you can now proceed to add your credit or debit card. To do so, click on the ‘cards tab’ on the menu. Then click on ‘add new card’ to initiate the process. You will be asked to provide your card information first before clicking on proceed. Once that is done, you will then have to verify your identity by submitting a selfie.

Once the card has been verified, you can now buy your bitcoins. To complete your purchase, go to the buy or sell tab and confirm your credit or debit card as your payment method. Then enter the amount of Bitcoin that you want to purchase. Currently, the minimum amount you can buy is $20, and the maximum is $10,000

Once you’ve chosen the amount you want to buy, confirm your payment method and enter your card’s CVC code to complete the process. Once you do this, your order has been successfully placed, and you should expect to receive your Bitcoins in a few minutes.

It is important to point out that in some cases, the request can be processed instantly, which makes it convenient if you want to access the funds on your card immediately.


7. How to buy Bitcoins with Credit Card or Debit Card on Changelly

Changelly home page to buy bitcoin with credit or debit card

Another quick way for you to step into the cryptocurrency world is by using Changelly. This exchange platform allows you to conveniently buy Bitcoins with Credit or debit card. You will only have to go through a few steps, and in no time, you have your bitcoins. Below are the steps you will follow.

  • Great pricing
  • Worldwide
  • Cross-crypto exchange
  • Mobile app
  • No demo account

Mobile app Changelly

The first step is to go to the home page and click on the ‘card payment’ tab at the top right corner. Enter the amount of USD that you wish to spend, and depending on the rate, a corresponding BTC amount will be indicated. You can also start by entering the amount of BTC that you want, and the system will calculate the amount you should pay.


Add your Bitcoin address and press ‘continue.’ This will redirect you to the checkout page powered by simplex.

The step that follows is for you to confirm the payment details. You will be asked to use your credit or debit card for the payment. Add the card number, its expiry date, your name, and the cards security code otherwise referred to as a CVC code.

You can choose to save your card for use in future purchases.

You will also have to provide a billing address. Enter the address, the city where you are from, and your contact details. Agree to the terms and conditions and the privacy policy before clicking on ‘pay now’.

Once you click on the ‘pay now’ button, a verification email will be sent to your email address or to the phone number you’ve provided. Verify the registration and continue to clear your payment. Once this is complete, the Bitcoins will be transferred to your wallet.

Changelly charges a 5% fee for credit/debit card payments.

When it comes to customer support, Changelly provides some of the best services. You can get instant support through their live chat option. Alternatively, you can reach the support team through mail. Changelly clients currently rate their services at 4.4 stars on Trustpilot, which is really good in the business.


8. How to buy Bitcoins with Credit Card or Debit Card on Coinmama

Coinmama home page buying bitcoin with credit and debit card

Coinmama makes it possible for you to buy bitcoins using your credit card or debit card instantly. It is also one of the most popular crypto exchanges in the world. It currently serves more than 2.1 million users in over 190 countries. The company is based in Tel Aviv, Israel.

  • Fast and simple
  • Worldwide
  • High transaction fees
  • A few US states are exempted


How to buy


If you are looking to buy Bitcoins using your credit or debit card on Coinmama, here are the steps you should follow.

Create your Coinmama account. You can sign up for an account on Coinmama by providing an email address, name, and physical address. A confirmation link will then be sent to you for verification.

The second step is for you to verify your identity. You have to go through this process before you can buy BTC with a credit or debit card. You can verify the account either with a passport, or your national ID.

Once the verification is complete, you can now proceed to buy your Bitcoins. The maximum amount you can buy is 15,000 USD using your credit or debit card.

To buy, login into your account, and check the various packages that will be made available for you. You can pick from one of them or input your desired amount in USD or BTC. Enter your wallet address and confirm your payment.

It is important to note that if you want to use a debit card, Coinmama currently accepts Visa and Mastercard only.


9. How to buy Bitcoins with Credit Card or Debit Card on LocalBitcoins

LocalBitcoins logo


LocalBitcoins homepage screenshot

LocalBitcoins is a peer-to-peer trading platform where buyers are connected with willing sellers. Sellers on Local bitcoins can create offers in all currencies, making it easy for buyers to get offers that please them. It also supports many payment methods that give you convenience as a buyer.

  • Worldwide
  • Well-known within crypto community
  • High number of sellers
  • Own actual Bitcoin
  • Finding trustworthy sellers

It is important to note that Local Bitcoins does not hold any cryptocurrencies of its own. The sellers provide all the coins in the marketplace. In case of any dispute between the seller and the buyer, Local Bitcoins acts as a mediator. However, there is an escrow service in place which ensures security and protection for the buyers and sellers.

You should keep in mind that as a new seller, not many buyers will be willing to sell to you. The fear of being scammed causes this.


How to buy Bitcoins with your credit or debit card


To start buying on Local Bitcoins, you will have to create an account with them.

After you’ve submitted the required details, verify your account by clicking on the link sent to your email.

You can then proceed to your dashboard and choose ‘credit card’ as your preferred payment method. Enter your card information to be able to use the card. Once you choose credit card as the payment method, your dashboard will be populated with offers from those sellers that accept Credit or debit cards as a payment method.

Once you find an offer that you like, click on ‘buy’ to initiate the buying process. You will then receive a set of instructions on how to proceed with the transaction. If you come into agreement on the terms set by the seller, the seller will release the bitcoins to you, and you can then make payment.

The pricing is fully dependent on the seller, and any help with buying can be obtained from the person you are buying from. However, Local Bitcoins also offers support to its users through their contact us page. You can report various issues such as fraud, account hacking, bugs, and login issues.


10. How to buy Bitcoins with Credit Card or Debit Card on Binance

Binance homepage buying Bitcoin with Credit and Debit Card

Binance is one of the best exchange platforms in the cryptocurrency industry. Though it is a relatively new entrant into this space, Binance has been able to surpass some big exchanges that launched way earlier. Currently, Binance is the leading cryptocurrency exchange, according to Coinmarketcap.

To satisfy more customers, Binance has integrated the use of credit cards as a payment method. However, you can only use your credit card on a limited number of tokens such as Bitcoin, Litecoin, Ripple, and Ethereum.

  • Fast execution
  • Low fees
  • Good customer service
  • Mobile app
  • Some restrictions on US clients
  • Limited support


How to buy


The first step in buying from Binance is registering your account. Once your account is opened, access the credit card page to enter the amounts you want to trade.

You will have to confirm your order, then agree to their disclaimer before you can proceed to click on the ‘go-to payment’ button. A verification process will follow this, and then your account will be ready to transact.

If there’s an exchange that has a lot to love about it, then definitely that’s Binance. This exchange offers relatively low fees, with superb customer support.

To make any inquiries, users can do so via the email contact form provided on the site. Additionally, the exchange provides a live chat option you can use to reach the customer support team. However, most responses are usually automated, making it difficult to get help for very specific problems.

All trades on Binance carry a standard fee of 0.1%. For withdrawals, the fees charged are dynamic, and they adjust depending on the market state.


Pros and Cons of Buying Bitcoins with Credit or Debit Card



  • Convenience

Using your credit card in the purchase of Bitcoins allows you to pay with fiat currency, which is not permitted in some of the cryptocurrency exchanges.

It is also favorable for you if you want to buy quickly without any delays like it is when using a bank transfer. Using PayPal to buy Bitcoin may also be a good way to by Bitcoin instantly.

  • Easy payment method

Credit cards have a simple interface, which makes most sites that accept it as a payment method, to be user-friendly. This is ideal for beginner traders or even for the pros that don’t prefer the overly complicated trading interfaces.

  • Platforms that accept credit card payments are user friendly.
  • Instant processing of transactions



Well, yes there are.

  • When using your credit card to buy bitcoins, you can easily overspend and end up in bad debt. This is especially the case if your credit card has a high credit limit.
  • Some platforms charge relatively high fees
  • Low transaction limits when using credit cards can restrict one on trading
  • Not available in all platforms
  • Denies you anonymity

Now that you understand the advantages of buying crypto with credit and debit cards, let us get into the process of doing so in the various exchanges.

This list comprises of some of the best companies you can buy from based on our research.


Bitcoin Storage | e-Wallets vs. Hardware Wallets

As a trader, having a cryptocurrency wallet is not an option; it is a necessity. The wallets ensure that your coins are stored safely and are accessible should you want to make payment or trade.

You can choose to have a hardware wallet or an e-wallet. But before you choose which one to use, let’s take a close look at them.

Jump back to StormGain



eWallets are simply web-based wallets that you can access from any device connected to the internet. This makes them very convenient to use. However, there is a drawback to that. Your wallet keys are stored online and are managed by a third party. This exposes them to hacking and other fraudulent activities that can lead to the loss of your coins.


Hardware wallets

Hardware wallets are physical devices that are used in the storage of crypto keys. Hardware wallets are the most secure crypto storage devices. Unlike the eWallets which are connected to the internet and can be accessed from anywhere, hardware wallets have to be connected with a computer for one to use them. This makes them less convenient, but it is a compromise worth taking considering the level of security a hardware wallet gives.


How to Create an e-Wallet for Cryptocurrencies | Step-by-Step


eToro wallet (for mobile)

This wallet is one of the safest you can find in the market. It has advanced security features like DDoS protection for maximum security. You can find it on google play or Appstore.

Here’s how to set your eToro mobile wallet

Once you’ve downloaded the eToro wallet, you will start by logging in if you have an account, but if not, you will have to sign up.

You can easily send coins to other hot or cold storage devices, as long as the wallet supports the currency you want to send.


Electrum (for desktop)

You will first have to download the electrum desktop application for this. Visit the electrum download page and choose your file source, depending on the machine you are using. If you are on windows, you can go with the windows installer version, portable version, or the standalone Executable version.

Once you’ve installed electrum, you will realize that it gives you to choose a wallet to use. If you don’t have a wallet, click on next to create a new wallet.

If asked for a seed, allow the electrum software to generate one for you.

There are two seed types to choose from; SegWit and legacy. I would advise that you go with the legacy option because most websites do not support SegWit.

You will then receive a string of 12 random words that you should copy down before proceeding. In the next window, you will have to confirm the seed by typing it in. Once this is complete, you will get your wallet address, and you can use it to store your coins.


Types of Hardware Wallets for Cryptocurrencies


Ledger Nano X

Ledger Nano X hardware wallet

Ledger Nano X is one of the best hardware wallets in the market. It has two chips, which ensure maximum security. It also has a Bluetooth feature, which allows you to connect it with your phone. It supports multiple coins, including Bitcoin, BTC Cash, ETH, LTC, and BNB.


Trezor One

Trazor One hardware wallet

This is also another good hardware wallet. This wallet enhances security by generating a new pin whenever you want to make use of the wallet. Once you’ve entered your pin, you will then have to key in your password. This wallet supports more than 1000 coins, as stated on their website, and Some of the coins include BTC, ETH, XRP, LTC, ETC.




Is it safe to use debit cards on Bitcoin ATMs?

Yes. Some ATMs accept the use of debit cards. It brings convenience, but not many Bitcoin ATM owners accept them. They add extra costs and risks to the Bitcoin ATMs, such as chargebacks.


Are there specific debit and credit cards that should be used to buy Bitcoin?

Not really. It all depends on the exchange or platform you are buying from. The commonly used cards are VISA, Mastercard, UnionPay, and American Express.


Can I use my credit or debit card to buy Bitcoin without going through verification?

No. Credit can debit cards that are solely dependent on one’s ability to verify that they are the owner of the card.


What are the fees charged while purchasing bitcoin using a credit card?

The charges vary from one platform to another. Some like Coinbase charges 1.5% while others charge as high as 6%.


Can I buy less than one Bitcoin?

Of course, you can. However, most exchanges set a certain minimum amount that you can buy. Be sure to check with your exchange on the minimum amount that you can buy.



Buying bitcoins with a credit card or debit card has several advantages. We should expect more technological advancements that will allow more exchanges to adopt this payment method.

When using your card to make a purchase, be sure that it is a site that you trust. Otherwise, you may end up a victim of fraud or even identity theft.

For US clients, the easiest way to gain exposure to Bitcoin may be to sign up with eToro. You can also buy through an exchange like Coinmama. For all others, using AxiTrader to trade Bitcoin through CFDs is a cost-efficient way of potentially profit from Bitcoins rise or fall. To own physical Bitcoin, choose StormGain who actually offers a $25 sign up bonus at the moment.


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