5 Ways To Instantly Buy Bitcoin With Debit or Credit Card

PlatformRatingSign Up Link
CEX8.5/10Buy Bitcoin on CEX
Coinmama9.5/10Buy Bitcoin on Coinmama
Binance9/10Buy Bitcoin on Binance
Coinbase8/10Buy Bitcoin on Coinbase
Wirex8/10Buy Bitcoin on Wirex

Bitcoin is on its way to becoming mainstream, but the biggest hurdle is letting users instantly buy bitcoins.

Most of the Bitcoin exchanges accept many payment options, with the exception of credit/debit cards. One reason for this is because of the irreversible nature of Bitcoin.

However, there are many legit Bitcoin exchanges that have started accepting credit card & debit cards as payment methods.

Here are some of the popular & legit Bitcoin websites where you can use your debit or credit card to buy bitcoins. I have tested these all myself.

Regarding using a credit card, most of these sites use your cash limit on the credit card, so you need to check with your bank to find the limit of your credit card.

So, without further delay, here’s that list:

  1. Cex.io
  2. Coinmama
  3. Binance
  4. Coinbase
  5. Wirex

Do note that, a few credit card companies have stopped allowing the purchase of Bitcoin with Credit cards due to the volatility of the market:

  • Chase
  • Bank of America
  • Citi Bank

However, I have compiled a list of updated sites that allows users from various countries to buy Bitcoin with a debit card.

List Of Sites To Purchase Bitcoin Using Debit Card or Credit Card:

1. Cex.io


I used my travel card (prepaid USD card) to purchase bitcoins on Cex.io & it worked like a charm. CEX has been around for years, and it is one trusted site to buy Bitcoin with debit or credit card.

When you have verified your account, go to the “Cards” section & add your cards.

It may take 1-2 days for card verification, but once it’s verified, you can use it to instantly purchase bitcoins.

Pay via Card

Along with BTC, you can also buy ETH (Ethereum) using your credit/debit card.

2. Coinmama

Coinmama is another site where you can use your Credit or debit card to purchase Bitcoins instantly. Unlike other sites, Coinmama doesn’t offer Bitcoin wallet & you need to add your Bitcoin Wallet address on which you want to receive Bitcoins.

I found the price of Bitcoins to be higher here in comparison to CEX.io. However, this is another option that you should keep when you need to buy Bitcoins immediately.

3. Binance

Use the below widget to buy Bitcoin with a Debit and credit card instantly.

Binance is the world’s biggest cryptocurrency exchange, and it offers an option to buy Bitcoin with Visa or Mastercard instantly.

Binance supports a large number of countries, and this platform is idle for those who are also looking to trade cryptos after acquiring it.

Binance supports both debit cards, and credit cards. Binance serves all the countries except the USA. There are two payment services available on Binance: Koinal (2.5% fees) and Simplex (3.5%).

The fees are also the lowest, and unlike other platforms, you will have access to more sophisticated tools with Binance. Another reason to use Binance is, you will get the best Bitcoin price since it has a lot of buyers and sellers.

4. Coinbase: (USA customers only)

Coinbase is one of the most popular websites to purchase Bitcoin, Litecoin & ETH. They also support purchasing Bitcoins using Visa debit/credit card & the process is instant. This feature is available to you only if you are from the USA. If are from any other country, you should look at other options listed here.

To get started buying Bitcoins using a debit card on Coinbase, here is what you need to do:

  • Register for an account on Coinbase here
  • Complete KYC
  • Go to the Payment settings page & click on Add payment method.
  • Select card & add debit/credit card.
  • Coinbase will make two small transactions.
  • Login to your card statement account & notice the small transaction amount.
  • Add it to your Coinbase account under the payment page (This would verify the card)

After this, you can start purchasing Bitcoins anytime instantly using your added debit or credit card.

5. Wirex

Wirex is providing a complete crypto banking solution for UK residents and much more.

Using Wirex you can buy Bitcoin easily.

When you register on Wirex and complete you KYC you get access to a crypto linked bank account. Here you can top-up your account with a debit/credit card and use this top-up to buy BTC anytime.

If you are someone looking for a complete banking solution, Wirex is the way to go as they have their physical cards to available for the UK. Here is the deal from CoinSutra: Wirex Deal: Free Virtual and Physical Bitcoin Debit Card.


Exchange NameRating Based On Ease Of Use & Fee
Bitcoin ATMs6/10

I will keep updating this exclusive list of sites that allow purchasing bitcoins using a credit & debit card.

Frequently asked questions:

Can you buy Bitcoins with a credit card?

Yes, there are many services you can use to buy bitcoin with a credit card.

For now, it’s your turn to recommend any site that accepts credit or debit card as a payment method for bitcoins. Do let us know in the comments section below.

Also, check out:

Was this helpful?

Thanks for your feedback!

38 thoughts on “5 Ways To Instantly Buy Bitcoin With Debit or Credit Card”

  1. Mark Stephen

    Thanks, Harsh Agrawal. You really help me in choosing best debit / credit card.

  2. Abhishek

    I have used these websites to buy bitcoins using Debit card. They seem to be charging very high charges for the Card transactions. More or less the end prices are similar to those of Indian Exchanges. These websites also have options of International Wire Transfer options. But none of the Indian banks like ICICI, Axis, HDFC etc were ready to approve Wire Transfer for Bitcoin/Ether purchase.

    Any suggestions on how I can buy bitcoins for cheaper on these websites?

  3. Jas

    What about charges on Debit/Credit card V/s Wire transfers.
    i registered on CEX.io and for cards they are charging 3% + .25 cents.
    Whereas wire transfer nill charge.
    Can you share your experiences?

  4. Kabir

    Thanks, Harsh.
    I prefer to store my BTC in bitcoincore. Which one is having least transaction charges in this list? Any suggestions or review about bitcoin panda?

    1. Harsh Agrawal

      I found Bitcoin panda price to be high. Regarding wallet, if you are a techie guy & you can use BItcoin core wallet, then its good.

  5. ezine

    Btc debit card (VISA & Mastercard) are not being accepted in south american since Aug 2017, because of some “licensing issues”. Looks like they don’t like competition…

  6. Hrushikesh Koli

    Hi I would like to know if it is cheaper to buy from the above sites mentioned rather than buying from Indian sites like Zebpay. Is there any benefit in doing so as I see there is a just marginal benefit due to exchange rates.

    1. Harsh Agrawal

      It keeps varying depending upon Indian inventory. Sometimes its cheaper therefore always compare before buying.

  7. Claire Mackerras

    That’s very imperative to know. Thanks @Agrawal for sharing such info. It really makes individuals aware about what to choose or what to not.

  8. James Humphries

    Thank you for all the great info. My question is I am a US citizen living in Colombia, I have a US credit card, but I am having a problem getting verified. Colombia does not support bitcoin. Any help would be greatly appreciated.



    1. James

      Coinbase was the first one i tried, and they told me that i needed to be a resident of the US. I have just got verified with CEX.IO but they seen a bit expensive? any other ideas. Thanks in advance.

  9. muneer alam

    Thanks for this great Info Harsh. I am residing in Saudi Arabia. Do these websites allow people from Saudi Arabia to buy/sell/trade bitcoins?

    1. Harsh Agrawal

      Muneer that you need to check on these websites. I would suggest start with CEX which worked for me when nothing else was working.

      1. Subhankar Paul

        @HARSH AGARWAL, Could you please mention that which bank’s debit card are accepted on CEX.IO? because I already have Axis Visa debit card (International), but my bank always decline the payment to that merchant,
        waiting for your reply, any help would be appreciated.

        1. Harsh Agrawal

          I used ICICI bank debit + travel card (USD) and both worked without any issue.

  10. Rayanna Jones

    Great tips! If you need to purchase bitcoin or Ethereum fast, buy it with a credit card or debit card at CoinMama.

    There’s no hidden charges and you’ll get live pricing.

    It is available in 226 countries worldwide, and also accepts all local currencies.

    Join now!

    1. Harsh Agrawal

      They are too costly…

  11. Prince Kumar Kushwaha

    Great tips! If you need to purchase bitcoin or Ethereum fast, buy it with a credit card or debit card at CoinMama.

    There’s no hidden charges and you’ll get live pricing.

  12. rohit

    Please guide the names of exchanges outside india for buying btc , eth using international debit card option by indian resident. thanks in advance

  13. Amit Rathi

    Your blogs are very informative. Can you please also suggest exchange outside India where I can buy altcoins (primarily LTC) using indian debit/credit cards. I went through exchange mentioned in the link above but they do not accept Debit/Credit cards if one is Indian resident.

    1. Harsh Agrawal

      CEX and CoinMama works flawlessly.

  14. Trabelsie Noureddine

    Great tips! If you need to purchase bitcoin or Ethereum fast, buy it with a credit card or debit card at CoinMama.

    There’s no hidden charges and you’ll get live pricing.

    It is available in 226 countries worldwide, and also accepts all local currencies.

  15. Shree

    I was using Citi Bank CC and was working fine. I am not able to purchase now and bank says you cannot do this transactions. Any clue that which bank allows to buy on these site.

    1. Harsh Agrawal

      Never heard of this before! Did you tried CEX.io and Binance.

      1. Shree

        City Bank CC card is not working on both sites now. But I can use HDFC CC on CEX. But it is very expensive ….

      2. Mayur

        Hi ,
        I am user of CEX and purchased btc from CEX many times by HDFC card but now they don’t allow it so i open other account in ICICI but same thing here so can you please have any idea about it .

  16. Rantu Nath

    Hi, Harsh sir, Is there any documents required for buying Bitcoin such as a driving license?

    1. Harsh Agrawal

      Depends where are you buying from. From the exchanges listed above, you definitely need some kind of proof. The benefit is the trust here. However, you can also buy from other places anonymously but then you are of your own on such places.

  17. AKUL

    Hi Harsh,

    Any limits on USD amount for buying bitcoins from foreign exchanges?

    Akul Minocha

    1. Harsh Agrawal

      All exchanges have different limits. You need to get in and see what they are as they keep on changing those limits!!

  18. Rituraj

    You should never use CEX.IO. They ask for a proof of photo holding with your debit/credit card. Otherwise, they won’t let you buy bitcoins from them

    Why would we give them our debit or credit card details? Giving our proof of ID and address is okay. But a photo with a credit card details…?!? total garbage.

    I’m not telling that CEX is scam or suspicious, but giving your payment details to someone else is absolutely not safe.

    1. Harsh Agrawal

      I agree but not issues reported so far neither we faced some prob..but still your call to pick it up or not

  19. Tryit

    I used to purchase btc from coinmama using my HDFC debit card. But since a couple of days, neither my credit nor my debit card works for purchase. HDFC is refusing the transaction. Did anyone else observe this recent development?

    1. travis

      Hi there! Linkkoin.com is giving 5$ in crypto for registration. Check it out!

  20. Piyush Ranjan

    Hello Harsh Sir,
    Thanks for sharing such great information.

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