How to Buy Bitcoin with a Debit Card

It used to be very hard to buy Bitcoin using your debit card, but that’s not really the case anymore. As exchanges and platforms become more sophisticated and advanced, the ability to buy Bitcoin becomes easier. While it’s not as prevalent as heading to the ATM to get cash, it isn’t nearly as difficult as it was just a few years ago.

Of course, one of the downsides to Bitcoin and cryptocurrency, in general, is how new it all is. Which sites are legitimate and which ones are just out to take your money? Lucky for you, we’re here to help you with that. Check out our list below to learn where you can buy Bitcoin with your debit card this year.


  • 📈 Avaliable Cryptos: BTC, ETH, XRP, LTC, BCH, BAT, XLM, ZEC, DAI, ZRX
  • 💳 Deposit Methods: Credit/debit card, bank transfer & PayPal
  • 💲 Accepted Currencies: AUD, GBP, EUR, USD, CAD, SGD
  • 🎧 Support: Email & FAQ’s.
  • 💰 Fees: 4%

Coinbase is arguably the most popular site to use when purchasing Bitcoin. Users can also purchase popular altcoins like Ethereum, Litecoin, and Ripple. If you’re new to crypto and want to buy Bitcoin with your debit card, this is a great place to start. The entire process is quick and easy.

Getting started with Coinbase is simple. Head on over to the site and sign up for an account. Once you complete registration and provide the required Know-Your-Customer information, you can set up your payment method.

Just go into the Payment Settings page and select “Add Payment Method.” Now, you can add your debit card information, which will let you purchase Bitcoin. You’ll notice a small transaction amount on your account. This ensures that the card is yours. When that’s done, you’re all set. Now you can start buying Bitcoin on Coinbase with your debit card.

Something to note when using Coinbase is that the site does have higher fees than other cryptocurrency exchanges. Still, a lot of people don’t mind paying a little extra for the ease of use that comes along with the site. Coinbase makes buying Bitcoin and some other altcoins with your debit card quick and painless.

  • Easy to use
  • Includes wallet
  • Reputable and well-known
  • Fees are a little higher than others
  • Not available worldwide

Read our Coinbase guide if you need help getting started.


  • 📈 Avaliable Cryptos: Bitcoin only
  • 💳 Deposit Methods: Gift cards, Western Union, PayPal, Skrill, Neteller ApplePay, AmEx & more.
  • 💲 Accepted Currencies: AUD, GBP, EUR, USD, CAD & More
  • 🎧 Support: Email
  • 💰 Fees: 0.01% service fee + variable fee based on seller's discretion

Similar to LocalBitcoins, Paxful is a Peer-to-Peer exchange that unites buyers and sellers and allows them to interact with one another. The great thing about Paxful is that you can use a wide variety of payment options, including your debit card.

Once you sign up with Paxful – which only requires a valid email address – you choose how much you want to purchase, provide your payment information, and then you’ll be shown a list of sellers who match your criteria. Each seller listed has a rating based on previous transactions, so you know what you’re getting into before making your choice. Additionally, you can see their exchange rate for Bitcoin.

Another nice thing about the Paxful platform is that it has a great customer support forum. You can ask any questions about the platform and someone will have an answer for you. Paxful is a legitimate site on which you can purchase Bitcoin with your debit card. However, there are some people on the site looking to scam you, so pay close attention before you decide to make a transaction.

  • Many payment options including using your debit card
  • Helpful and responsive forum
  • Quick and easy registration process
  • More potential scams than with exchanges or broker sites
  • Higher exchange rates since there is more privacy and anonymity

Our Paxful walkthrough shows you how to set up your account and buy Bitcoin in no time.


  • 📈 Avaliable Cryptos: BTC, LTC, XRP, ETH, Cardano & Many more
  • 💳 Deposit Methods: Crypto & Credit card
  • 💲 Accepted Currencies: GBP, USD, EUR
  • 🎧 Support: Email
  • 💰 Fees: 0.5%

Changelly is an exchange that is known for converting one type of currency – whether that’s fiat or crypto – to another. It’s a very easy platform to use and provides users with a wide variety of cryptocurrencies from which they can choose. Additionally, the site provides Bitcoin purchases with Visa or Mastercard debit cards.

You’ll get a trusted, reputable exchange when you use Changelly, and the site has been around for a while now with no reported problems. Changelly doesn’t require a lot of information from you when to get started. Just provide the site with your email address, verify that it’s valid, then you’re ready to get started buying Bitcoin.

You do need an external Bitcoin wallet when you use Changelly, so be sure to find one that you like before you start buying. With Changelly, you won’t get a lot of the fancy features you’ll find on an exchange, but if all you want to do is buy Bitcoin with your debit card, it’s a good starting point.

  • Wide variety of options
  • No identification required
  • Comprehensive and well-designed platform
  • Fewer security measures
  • Higher transaction rates

Some people take a bit of time to get used to decentralized exchnages like Changelly. Our guide shows you how to get started.


  • 📈 Avaliable Cryptos: BTC, ETH, XRP, LTC, BCH, ADA, QTUM, ETC
  • 💳 Deposit Methods: Credit/ Debit Card, Bank Transfer, Cash
  • 💲 Accepted Currencies: USD & EUR
  • 🎧 Support: Email Form & Facebook
  • 💰 Fees: 5.50%

Like Coinbase, Coinmama is another well-known cryptocurrency exchange that will let you buy Bitcoin with your debit card. You can also purchase altcoins like Litecoin, Cardano, Ripple, and Ethereum on the Coinmama site.

Coinmama will accept payment with either your Mastercard, Visa, or American Express debit card. Unfortunately, Coinmama does not accept payments through a Paypal debit card or Discover. As you can see, there are plenty of options for buying Bitcoin with your debit card on Coinmama.

One drawback to using Coinmama is that you aren’t provided with a wallet for your Bitcoin. If you’re not sure which one to use to store your Bitcoin, you can read a few of the ones we’ve reviewed like Exodus and Jaxx. Otherwise, buying Bitcoin on the exchange is fairly straightforward.

Head on over to the Coinmama site and create your account. Once you’ve signed up, you’ll have a request to confirm your identity through Coinmama’s Know-Your-Customer process. Find the wallet you want to use to store your Bitcoin and copy your wallet address. Give your wallet info to Coinmama, enter your debit card number, and there you have it. You are now the proud owner of Bitcoin.

  • Reputable exchange
  • Fast transaction times
  • Supports multiple cryptocurrencies
  • Does not support all U.S. states
  • Only supports buying Bitcoin


Localbitcoins logo

LocalBitcoins doesn’t offer the cache or popularity that both Coinbase and Coinmama have, but it is a good place to buy Bitcoin if you want to do so with your debit card. You can use any payment method on the LocalBitcoins site, however, the most popular way to buy Bitcoin is via cash.

LocalBitcoins differentiates from Coinbase and Coinmama in that it’s not a typical exchange. Instead of going through the site itself, LocalBitcoins is a Peer-to-Peer exchange, which means you deal directly with the seller to purchase Bitcoin. You’ll work with the seller to agree on the terms of the transaction while LocalBitcoins is used as escrow.

To get started with LocalBitcoins, you only need to supply the site with your email address. When you do that, you just verify that you’ve provided a valid address and you’re ready to go. LocalBitcoins doesn’t require the Know-Your-Customer information that other exchanges use. As a result, you’re using a platform that isn’t as secure, so be sure to be cautious when buying Bitcoin.

Since you’re getting additional privacy when using LocalBitcoins, you might pay a little more for your Bitcoin. However, depending on the seller, they might require some more information from you to validate that you’re a real person and not trying to scam them.

  • No selling or buying limits set by the site
  • Purchase with various methods including debit card
  • Private way to buy Bitcoin
  • Potential scams since it’s a P2P exchange
  • Speed of transaction is dependent on seller


BitPanda logo

BitPanda is a great exchange you can use to buy Bitcoin with your debit card. It supports many various cryptocurrencies and payment methods. BitPanda only offers its services to users in Europe. However, you’ll get great fees and rates when you use this exchange.

Users do get a nice, clean interface when using Bitpanda’s platform, which makes it a great place for beginners to get started purchasing Bitcoin. Additionally, BitPanda does require its users to provide identification through its Know-Your-Customer process, so if you’re concerned with security, you’ll know your information is safe when using BitPanda.

Fees aren’t too bad on BitPanda. They’re pretty comparable to other platforms that allow you to purchase Bitcoin with your debit card. The limitation on how much Bitcoin you can buy depends on how much information you’re willing to provide the site. If you’re based in Europe, BitPanda is a great place to buy Bitcoin.

  • Comparable fees
  • Plenty of payment options
  • Easy-to-use interface is perfect for those new to crypto
  • Only available in Europe
  • Purchase limits are based on verification levels


bitstamp square logo

Another exchange that’s been around the block a time or two is Bitstamp. Started in 2011, Bitstamp focuses primarily on trading services, however, if you need to buy or sell Bitcoin you can do so with your debit card.

Using Bitstamp requires that you create an account, so that’ll be the first thing you do when you visit the site. When you’ve provided the necessary information to the site, you can start buying Bitcoin, although the process is a little different than it is with other exchanges.

Instead of just buying Bitcoin directly with your debit card, you have to first deposit funds, then you can purchase Bitcoin. Go into the ‘Deposit’ section of the site, enter your debit card information, then deposit the monies you want to use to buy Bitcoin. Once those steps are completed, just click the ‘But BTC’ button and before you know it, you’ll have your own Bitcoin.

One thing to keep in mind when using Bitstamp is that your bank might consider the transaction as a cash advance. As a result, you might incur higher fees on Bitstamp than you might experience with other exchanges that provide the same service.

  • Reliable exchange that’s been around since 2011
  • Multiple ways to purchase Bitcoin including via debit card
  • Bitstamp is also an exchange if you want to trade altcoins
  • Isn’t as user-friendly as other exchanges
  • The verification process may take a while


CEX exchange logo

Like many exchanges, you’ll find for cryptocurrency offers both brokerage and trading services. That means if you want to Buy Bitcoin or trade Bitcoin, you can do both on the CEX platform. However, if you’re just getting started with crypto, remember that brokerages often charge a higher fee than you’ll find with other options.

With CEX, you can just deposit your money with your debit card, then buy your Bitcoin on the exchange, which offers lower fees. To get your Bitcoin, go to and select the ‘Finance’ option. Navigate to ‘Deposit’ then choose your currency.

You can use your debit card to provide funds for your account. Then, you have a couple of options. You can either go the brokerage route by going the ‘Buy/Sell’ option. This choice is more expensive, but it easier to use. Or you can go to the ‘Trade’ option, which is cheaper, but more complicated.

  • Reputable exchange
  • Buy Bitcoin with a debit card
  • High buying limits
  • Using brokerage is simpler but has higher fees
  • Not available worldwide


There are inherent risks associated with buying Bitcoin with your debit card, however, it’s an easy way to get started with cryptocurrency. As a matter of fact, buying Bitcoin with your debit card is almost as simple as purchasing something online. However, the problem is that more often than not, buying Bitcoin with your debit card means you’re going to have to pay higher fees. Usually, you’ll encounter lower fees if you make your Bitcoin purchases using your bank account.

Remember that it’s nearly impossible to purchase Bitcoin on an exchange with a stolen debit card due to the Know-Your-Customer processes that these platforms employ. Additionally, anonymous Bitcoin purchases are nearly impossible due to these same validation processes.

That means as long as you don’t mind giving out some basic information, you can buy Bitcoin through secure methods. Of course, this runs contrary to the very idea of Bitcoin as its original intent was for anonymity and decentralization.

That doesn’t mean there aren’t options available. It just means that you need to be careful when purchasing Bitcoin online. But whether you want to use a brokerage, an exchange, or a peer-to-peer platform, there are plenty of options available to buy Bitcoin with your debit card in 2019.

Further Reading At
1) Got Your Bitcoin & Want To Diversity Into Altcoins? We Share Our Top Altcoin Picks For 2019.

2) Did You Know That Bitcoin Gambling Is One Of The Fastest Growing Industries In The World? Find Out Which BTC Gambling Sites Are Best.

3) Heard About People Making 100x Returns? We Reveal Our Top Tips To Select The Next Big Crypto.

DISCLAIMER: Be aware that the activity of cryptoassets mentioned in this article is unregulated. This article must not be construed as investment advice. Always do your own research.

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