6 Sites Buy Bitcoin With A Credit Or Debit Card Instantly (2020)

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Do you want to invest in Bitcoin?

And do you want to buy some Bitcoins easily and instantly using a credit card or debit card?

Well, then you are the right place. Here I will talk about my experiences of investing in Bitcoin using a credit card or debit card.

We buy things all the time today with our cards. Because it’s easy, fast and convenient. And so should buying Bitcoin also be.

Buying any cryptocurrency with a card is a whole lot faster than buying with a bank transfer. And it works the same buying a Bitcoin or a pair of shoes online with a card.

So in this guide, I will talk about how it works when you want to buy some BTC with a card. And what are the top-recommended websites to use for buying BTC with your bank card?

If you have another site that you thought should be on this then get in touch with us.

And read this guide if want to find more information about how to buy Bitcoin with a bank account to save on fees.

How to buy Bitcoin with a credit card or debit card

I get it that you want to invest in some BTC quick and easy. Without going through so much hassle or making it so complicated.

So buying with a card can be so much easier than via a bank transfer or via a cryptocurrency exchange.

And to make it even easier for you I will summarise the steps that you need to go through to buy BTC with a card here below:

  1. Sign up if necessary (complete any KYC + AML checks)
  2. Enter the amount you want to buy for + your card details
  3. Enter a BTC wallet address – to send your coins to
  4. Complete the purchase
  5. BTC will be sent to your wallet address

6 of the best places to buy Bitcoin with a credit/debit card

These are according to me six of the best sites to use for buying BTC with a card at.

What you should consider when buying Bitcoin with a credit or debit card is to check the conversion rate. There might be cases where the website takes a less flattering conversion rate.

Meaning if you buy 1 BTC at X website it might cost $7400 USD, but at website Y it might just cost you $7100. So always check the rates and compared them between these listed sites below.

1 ) Coinbase

Buy Bitcoin With A Credit/Debit Card at Coinbase

Coinbase has made it possible for people to buy and sell cryptocurrencies easily and instantly for years. It is one of the most popular options available. Especially for U.S citizens but also Europeans these days.

Buying cryptocurrencies easily with your credit or debit card has been one of Coinbase’s big selling points. And if you are looking for a great and easy option to buy BTC with a card then using Coinbase should be worth checking out.

When using Coinbase you can rest assured that they are one of the most popular and secure crypto platforms around. So when comparing sites to use for buying. BTC I think you will find Coinbase being one the best alternatives.

This is because using Coinbase is super easy, you can buy BTC using your card (or bank transfer) and then get your Bitcoins in your wallet in just a few seconds.

It is that fast and easy to use Coinbase.

Get $10 for free when joining Coinbase using this link and buying for $100

How to get started with Coinbase

Head on over to www.coinbase.com and sign up for a new account if you don’t have one, otherwise, log in. To buy BTC instantly at Coinbase you need to link a bank card (credit card or debit card) to your Coinbase account.

And when you have linked a bank card you can make purchases up to $10,000 per week with the first level of verification done. To buy for more than that then you need to pass additional verifications.

You need your ID and personal details to get a new account at Coinbase. Which is the same for all options on this list.

  • If you want to get help registering a new account then you can use this guide.
  • Learn more about Coinbase and the other site Coinbase Pro here

NOTE: You can’t buy with a credit card at Coinbase from every country. In the U.S and Canada, you can only buy with a debit card. But in many other countries in Europe, you can use both a credit card and a debit card, read more here about it here.

Coinbase fees

Fees for buying at Coinbase with a bank card is 3.99% of the transaction.

Coinbase screenshot adding payment methods

2 ) Binance

Binance cryptocurrency exchange logo

Binance is one of the most popular cryptocurrency exchanges in the world right now. In fact they’ve been so pretty much since they launched in 2017.

Binance is famous for being a place where you trade cryptocurrencies with other people. They are commonly referred to as cryptocurrency exchanges, as you exchange 1 cryptocurrency for another 1. Trade 1 BTC for X ETH (Bitcoin for Ethereum).

But Binance has recently added the possibility for its users to now also buy cryptocurrencies like Bitcoin using a card. Either a credit card or debit card.

How to get started at Binance

Buy Bitcoin with a card at Binance

In order to buy some BTC with your card at Binance, you will first need to register with them – head over to www.binance.com and click on Register.

After you have created an account with Binance you can click on ‘Buy Crypto’ -> Credit / Debit Card.

And then you enter the amount you want to buy for in USD, GBP, CAD, EUR, etc.

You will need to verify your identity before you can buy any Bitcoin at Binance using your card. And there are different limits in place depending on what level of verification you have completed at Binance.

Binance buying limits and verification

Binance fees

The fees to buy Bitcoin with a card at Binance is 3.50% per purchase

Buy Bitcoin with a credit / debit card at Binance

3 ) Changelly

Changelly Crypto Exchange illustration

Changelly is another great option and a favourite of ours. We really like the easy design and UX of their website. Here you can not only buy BTC using a VISA or Mastercard, but you can also easily swap one cryptocurrency for another.

Swap, or change. This is what they get their name from. So if you had some ETH and you wanted to exchange those for some BTC then you could use Changelly.

But if you don’t have any cryptocurrency to swap for BTC with then you can also use Changelly to buy Bitcoin with a credit or debit card.

And it is really simple.

I think Changelly might be the easiest option on this list.

You can buy a range of cryptos at Changelly, not just Bitcoin but popular cryptocurrencies like Ethereum, Bitcoin Cash, Litecoin, Stellar, Ripple, Binance Coin and more. 

How to get started with Changelly

Buy Bitcoin at Changelly with a card

To get started head over to www.changelly.com. And then on the start page you will see a payments widget, where you can select exchange – buy – sell.

Select buy and Bitcoin and the fiat currency you want to use (USD, EUR, etc), the amount you want to buy for and your country of residence.

Then you will see what options you have available to you and how much of BTC you will get depending on which option you go for.

Before you complete the transaction you need to have a Bitcoin wallet available. This is where you will send your BTCs to after paying for it at Changelly’s website.

Changelly fees

  • For buying with your card = Changelly fee – 4% + MoonPay fee – 4.99 $/€/£ or 3.5% (whichever is the highest)
  • The fees at Changelly are for swapping = 0.25%

Options to choose from at Changelly when buying Bitcoin with a card

4 ) Bitpanda

Bitpanda - buy BTC with your card

If you haven’t checked out Bitpanda yet then we recommend you do it. Bitpanda was launched in 2014 by a team based in Vienna, Austria. And they have so far reached over 1 million users.

With a team of more than 120 team members serving them. Working hard to create a super-easy way for people to easily buy Bitcoin or other cryptocurrencies with a credit card/debit card at.

Bitpanda has lots of cryptocurrencies available at their site. Out of every website on this list Bitpanda has probably one of the best selection of cryptos to buy from, with a card.

Binance has more cryptos to exchange, but not to buy with a card.

Bitpanda is a great option not only because of their great selection of coins and tokens but also because of its wide range of payment methods available.

From credit card and debit card to bank transfer (SEPA +), Skrill, Neteller, Sofort and many more. 

So if you are looking for a reputable site with many payment options and is easy to use then buying BTC at Bitpanda should definitely be high up on any list.

You can buy Bitcoin with a few different fiat currencies such as USD, EUR, GBP, CHF. 

How to get started with Bitpanda

Verify your account at Bitpanda to buy BTC with a card

To get started go to www.bitpanda.com. And then you need to sign up for an account.

In order for you to fully make use of Bitpanda’s features and buying BTC you need to finish the full verification first.

That means providing them with proof of identity and other KYC/AML details.

After you have finished that you can proceed to buy Bitcoin with your credit card or debit card.

At Bitpanda you don’t need to have a separate Bitcoin wallet, but it is advised that you keep all your cryptos in a safe crypto wallet that you own your private keys to.

Bitpanda fees

  • The fees for buying cryptos with a bank card at Bitpanda is 1.49% so that’s very cheap comparing to other options on this list. 

Bitpanda buy Bitcoin instantly with a card

5 ) Coinmama

Buy Bitcoin at Coinmama with a credit / debit card

Another good option that you could use to buy Bitcoin at is Coinmama.

Coinmama is another very popular option amongst cryptocurrency enthusiasts and investors. This is mainly due to it being a site where new users can easily and quickly buy some BTC and other cryptos.

And then you could also if you wanted to compare this to what you would get at other sites. Compare to get the best price for yourself. We always recommend people to do this.

And the complete process of buying cryptos at Coinmama is easy and simple. We promise that beginners will feel more than comfortable enough using Coinmama to buy Bitcoin.

How to get started with Coinmama

To get started buying BTC with a credit or debit card then you simply head on over to www.coinmama.com. While there you can simply scroll down on the website to see their instant buy banners. 

Here you can see that you can buy Bitcoin easily with perhaps EUR or USD. Select the amount that you want to buy for and you can then see how much in crypto would get for that. Which is really handy.

Like with the other sites on this list you will first need to register an account with Coinmama before you can start buying some BTC.

And then you need to verify your identity. When done you can move on to buying some BTC with your card.

Remember you also need an Bitcoin wallet and address to send your BTCs to.

Coinmama fees

  • The fees for buying Bitcoin with your bank card at Coinmama is 5.90%.

Buy BTC with a credit car or debit card at Coinmama

6 ) Bitit

Bitit buy cryptos with your bank card

Bitit was founded in 2015 in France by three passionate crypto fans. With a clear goal of making it super easy for new investors to easily buy and sell cryptocurrencies online.

Like many others, they realised the potential and value that cryptocurrencies could bring.

If you are looking for a site with lots of payment methods, fiat currencies (USD, EUR, GBP, etc) and is really easy to use then Bitit is perfect for you.

Buying Bitcoin with a card at Bitit is super easy.

You can buy a range of cryptocurrencies at Bitit, BTC being the obvious one. Others are ETH, XRP, LTC, EOS, LINK, XTZ, DASH, XMR and many many more.

You can also buy these Bitcoin and these other cryptos using a variety of fiat currencies, from USD, EUR, JPY, SEK, GBP, AUD, CAD, DKK, and many more.

  • Find out exactly which cryptocurrencies and fiat currencies that are available on their website – www.bitit.io 

How to get started with Bitit

Buy Bitcoin at Bitit with your card

If you want to use Bitit to buy Bitcoin then head over to www.bitit.io and sign up for a new account (if you don’t already have one).

Proceed through the signup process and then at your dashboard you select Bitcoin and the amount you want to buy for, which fiat currency you want to use and enter your Bitcoin wallet address.

This is where your BTCs will be sent to after completing the purchase.

Select a card and enter your details. Remember you need to have yourself a Bitcoin wallet before you buy at Bitit.

You can also connect your existing hardware wallets, like the Trezor wallets or Ledger wallets. This is highly recommended.

Buy Bitcoin with a credit or debit card at Bitit

Bitit fees

3.9% fees for a VISA or Mastercard payment. Other fees are 0.25% for instant buying via a EUR wallet using a bank (SEPA) transfer, 4.9% for Skrill

Payments methods available at Bitit to buy Bitcoin with


That’s it, this is the end of this guide to how you can buy Bitcoin with a card and our favourite sites to use.

I think any of these sites would make a good choice to go with for buying BTC with your credit card or debit card.

What I would recommend is checking the currency rates as mentioned before. Compare the prices between these ones and check if it differs anything between them.

But I wouldn’t use just that factor. I think you need to check them out to see how comfortable you are with using them. Even though they are all very similar you might feel that one suit you better than the others.

We do recommend that you securely store your Bitcoins using a wallet where you own the private keys. That means getting your own wallet. Instead of leaving them on an exchange, or a site like these.

With Coinbase, Bitpanda, and Binance you can leave your BTCs at the exchange. But it is recommended to have your own wallet. And we would recommend that you use a secure hardware wallet.

Like Ledger Nano X, Ledger Nano S or the Trezor One or Trezor Model T.

If you have any suggestions for other sites to use then share those at the comment section or get in touch with us.

Otherwise I hope you liked this article, feel free to share it with others that might want to buy ETH with a card.

More popular guides:

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  4. Best Stellar wallets to use
  5. 16 Proven Ways of Making Money from Crypto

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