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Exchanges to Instantly Buy Bitcoin and Altcoins with Credit or Debit Card

It’s without a doubt that Bitcoin has gone mainstream. However, the biggest bottleneck in obtaining Bitcoin and other altcoins has always been purchasing either instantly. Most crypto exchanges accept other payment methods except for debit and credit cards. Nevertheless, the increasing demand for bitcoin transactions has sparked an evolution in many platforms to facilitate settlements through FIAT currency.

These platforms include various payment methods as per a user’s convenience, though not all accept credit cards for buying bitcoins. Here is a list of some of the best exchanges that instantly allow buying bitcoins via credit or debit card. 

Best Ways to Buy Bitcoin/ Altcoins with Credit/Debit Card


Coinbase is a leading crypto exchange to purchase Bitcoin and altcoins such as Litecoin or ETH via Visa debit/credit card within the USA’s borders. The platform provides high-end security measures coupled with a low trading fee. The user interface is simple and ideal for expert and beginner traders alike. 


Coinbase charges an average transaction fee of about 1.49% to 3.99%. The exchange imposes a 3.75% fee upon the use of credit cards. A limit is also enacted on buying Bitcoin via credit cards, i.e., $150 of bitcoins per week. Coinbase verifies its users and requires them to submit ID proofs as a verification method before using a debit/credit for payment. Each user’s credit card transaction limits are viewable on the verification page. 

How to Buy Bitcoins/Altcoins using a debit card on Coinbase

  • Register for an account on Coinbase.
  • Complete the signup process.
  • Go to the Payment settings and add a payment method.
  • Select the debit card option and add your debit/credit card.
  • Coinbase will conduct two transactions.
  • Log in to the card statement account.
  • Add the payment to your Coinbase account section.

Pros: User-friendly interface, low trading fees, instant, secure and reliable transactions.

Cons: Transactions may take some time, available in only select countries; support may take an awful while to respond. 


Binance is an established crypto exchange accessible in all countries except the USA. The exchange allows the instant purchase of Bitcoin and altcoins, including BNB, Ether, XRP, and Tether with Visa or MasterCard, thanks to their partnership with Koinal, TrueToken, Simplex, and Paxos. The exchange is relatively easy to use and boasts a secure and user-friendly interface. 


Binance charges two payment fees, i.e., Koinal (2.5% fees) and Simplex (3.5%). Transaction fees on the platform are relatively low compared to other exchanges. 

How to Buy Bitcoins/Altcoins using a debit card on Binance

  1. Create your Binance Account. 
  2. Choose the cryptocurrency you want to buy. 
  3. Select the “Visa/MasterCard” payment option.
  4. Enter the number of cryptos you wish to acquire and confirm your order. 

Pros: Fast services, low transaction fees, good reputation, excellent customer service. 

Cons: Not available in the US, Supported cryptocurrency for trading is limited. 


Luno allows you to buy Bitcoin, Ethereum, Litecoin, and XRP using a debit/credit card, accepting EUR, ZAR, NGN, and MYR as fiat currencies. The exchange covers over 5 million customers spread out across 40 countries. In addition, Luno streamlines the process of trading cryptos, creating an ideal environment for beginner traders


Luno charges a low transaction fee, which varies between country and purchases. Transaction fee calculations rely on the taker maker payment system, where users pay fees between 0.25%-1% depending on the currency in trade. Deposits using debit/credit cards are free of charge. 

How to Buy Bitcoins/Altcoins using a debit card on Luno

  1. Sign up on the platform.
  2. Click on the “Credit/Debit Card” option on the account setting tab.
  3. Enter your Debit/Credit Card Information.
  4. Confirm and buy Bitcoins. is a beginner-friendly crypto exchange that enables users to purchase over 80 cryptos via debit cards, including 21 top fiat currencies, including EUR and USD. The exchange is non-custodial and boasts low trading fees, deep liquidity, and outstanding execution prices. 


The app doesn’t exact tariffs on deposits or transfers to other exchange platforms. The fees charged for withdrawals depend on the type of token withdrawn. Users will be subject to a trading fee. A credit card purchase on the exchange is charged 0% in EU nations and between 1-3% in other regions. 

How to Buy Bitcoins/Altcoins using a debit card on

  1. Register on the platform and complete the Identification Verification. 
  2. On the exchange, click on Buy.
  3. Choose “Credit Card’ as the Purchase Method. 
  4. Then, aThen, accept the 3.5% Card Fee. 
  5. Click “Add Credit or Debit Card” and fill in your card info.
  6. Choose the Amount of Crypto You Would Like to Purchase and Click Buy.
  7. Confirm and finish off the transaction.

Pros: Low trading fees, beginner-friendly, regulated 

Cons: No app, incompetent user privacy. 


Coinmama simplifies buying Bitcoin and altcoins using debit/credit cards. However, contrary to other exchanges, Coinmama doesn’t offer an in-built Bitcoin wallet. Instead, one should seek a way to store crypto themselves on the platform.


Coinmama charges a flat fee of 6.75% on all transactions. Transactions involving debit/credit cards add a 5% fee to the tally. The exchange also limits credit card transactions to 5000 USD/EUR per day and 20 000 USD/EUR per month. 

How to Buy Bitcoins/Altcoins using a debit card on Coinmama

  1. Sign up on Coinmama and verify your identity.
  2. Add a Bitcoin address to the platform.
  3. Provide debit/credit card information.
  4. The address receives Coins instantly after purchase.

Pros: Fast purchase turnaround, good customer support, reputable company

Cons: Charges high fees compared to other exchanges, has monthly limits. offers seamless Bitcoin and altcoin purchases using credit cards. It’s one of the most efficient and trusted sites for buying Bitcoin or altcoins with credit or debit cards. However, while it offers brokerage services, the fees are relatively high. Nonetheless, you can still purchase Bitcoin on the platform all by yourself. 

Fees fees are higher compared to other platforms. The platform charges a fee of 7% for bitcoin exchange involving direct trading. The exchange employs a maker-taker model meaning that the transaction charges depend on the tariffs charged. It also implements buying and selling limits. Verified users can deposit between $10,000/day to $100,000/month using Visa/Master Card and Bank transfers. 

How to Buy Bitcoins/Altcoins using a debit card on

  1. Sign up on 
  2. Click on: Finance,” then “Deposit,” and then click on the FIAT currency of your choice. 
  3. Use your debit card to deposit to your account.
  4. Buy Bitcoins and other altcoins by clicking on “trade” and then choosing the “BTC/USD” option. 

Pros: Supported in numerous countries, reputable exchange, has a high purchasing limit

Cons: Very high exchange rates with an extensive verification process


CoinSwitch offers instant crypto purchases using debit or credit cards. With Visa or MasterCard, one can buy over 300 cryptocurrencies on the exchange, including BTC, XRP, LTC, and ETH. All major fiat currencies, including USD, EUR, RUB, JPY, and AUD, are supported. In addition, the platform has an anonymity feature whereby users do not have to sign up or create an account to purchase crypto.  


The charges depend on the type of exchange, ranging from a fee of 0% to 0.49%. The rates are one of the lowest among crypto exchanges. 

How to Buy Bitcoins/Altcoins using a debit card on CoinSwitch

  1. Input the USD amount and select the exchange with an excellent price. 
  2. Input your BTC address. 
  3. Click to make payment with your Credit Card.
  4. Ensure the coins reflect in your BTC address.

Pros: Supports vast tokens, has reliable support, accepts crypto interchangeability, and low trading fees. 

Cons: It is unavailable in several countries, such as the US. 

Final Words

Advancements in the crypto space have now made it possible to purchase crypto using a debit or credit card. Buying Bitcoins and altcoins via debit card is relatively easy on exchanges that accept using a credit card. Including credit cards to purchase cryptocurrency has made crypto exchanges instrumental in spurring mainstream crypto adoption.

Bitcoin live price
price change

Before buying crypto using credit cards on crypto exchanges, one may need to exercise caution for the existence of numerous fraud platforms. The user mustn’t overlook the legality and convenience of the exchange.

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