How to buy Bitcoin with debit card in 2022

A debit card is one of the easiest ways to buy Bitcoin. This guide takes you through how to buy Bitcoin with a debit card in a few simple steps.
By: James Knight
James Knight
James is the lead content editor for Invezz, covering the stock market, cryptocurrency, and macroeconomic markets. Outside of work,… read more.
Updated: May 12, 2022

A card payment is often the simplest way to deposit money into your crypto account. These days, most crypto exchanges accept debit cards and it has become a popular way to fund your account in order to buy Bitcoin. This page compares the best platforms that accept debit cards and shows you how to buy Bitcoin with one.

Can you buy BTC with debit card?

Yes, you can do so very easily on most crypto brokers and exchanges. It’s as simple as setting up an account and depositing money into it with a debit card payment. You can then use the money in the account to buy Bitcoin.

Where can you buy Bitcoin using debit card?

Use any of the platforms below to buy BTC with a debit card right now. Our experts have combed through the market to find the best platforms to invest with and shortlisted the options below. To learn more about how to use them, read on.

1
Min. Deposit
$200
Promotion
User Score
10
Access the world’s most popular Crypto assets including Bitcoin, ETH, LTC, XRP
Automatically copy top-performing Crypto traders
Deposit using PayPal + 9 other deposit options available (not available to US users)
Start Trading
Description:
eToro is a multi-asset investment platform with more than 2000 assets, including stocks, ETF’s, indices, commodities and Cryptoassets. eToro offers over 60+ Cryptoassets to invest or invest in their CryptoPortfolio where investors can benefit from the accumulated growth of Bitcoin, Ethereum, XRP, Litecoin and other leading cryptocurrencies. eToro users can connect with, learn from, and copy or get copied by other users.
Payment Methods
1Pay, 2C2P, 3d Secure Credit Card, ACH, ANELIK, Abaqoos, AdvCash, AlertPay, Alfa-Click
Algocharge, AliPay, American Express, Apple Pay, AstroPay, BPAY, Bank Link, Bank Transfer, Bank Wire, Baofoo, BitGold, BitPay, Bitcoin, Boleto, Borneo Exchanger, Bradesco, CSS System, CUPS, CartaSi, Carte Bleu, Carte Bleue, Cash, CashU, Cashier Order, Check, Check (UK only), China UinonPay, China UnionPay, ClickandBuy, Contact, Contact Z, Credit Card, Cryptocurrencies, DCPay, DIXIPAY, Dankort, Debit Card, Dengi Online, DineroMail, DirectPay, Dotpay, E-dinar, ELV, ENets, EPS, EXCARD, Easy2Pay, EcoPayz, Ecommpay, Ecurrencyzone, EgoPay, Emerchant Pay, Eprotections, EstroPay, Ethereum, Euro Bank Account, Euteller, Express Dotpay, Express Polish Post Office 24/7, Express Zabka Market, Ezeebill, Ezybonds, FasaPay, Fastapay, Fastbank, Faster Payments, FilsPay, GTBank, Gate2Shop, Giropay, GlobalCollect, GlobalPAY, GlobePay, Gluepay, Halcash, I-Account, IPS, Ideal, Indonesia Exchanger, InstaBill, Instadebit, IntellectMoney, Interswitch, Itukar, KNET, Klarna, LaoForexBoard, LavaPay, Lion Payment, LiqPay, Litecoin, Lobanet, MOTO, Mailing Cash, Masari, Mastercard, MegaTransfer, Mister Cash, Moneta, Money Order, MoneyBookers, MoneyGram, MoneyPolo, Multibanco, NETBANX, Nab, Namecoin, Neosurf, NetPay, OKPAY, OMT, OmahPoin, OnPay.ru, Online Naira, OrangePay, PAYSEC, POLi, POLi & BPay, PYEER, PagoEfectivo, Paxum, Pay Nova, PayCo, PayPal, PayRetailers, PayWeb, Payeer, Payoneer, Payonline, Payvision, Payza, Perfect Money, PocketMoni, Postbank, Powercash 21, Prepaid MasterCard, Prepaid MasterCard (I-Account), Prepaid MasterCard (Intercash), Prepaid MasterCard (Payoneer), Privat 24, Przelewy24, QIWI, RBK Money, Rapid Transfer, RegularPay, SEPA, Safecharge, SafetyPay, SahibExchange, Shilling, SmartPay, Sofort, SolidTrust Pay, SorexPay, Sporopay, Stock Certificate, Swish, Teleingreso, Thailand Exchanger, Ticketsurf, Todito Cash, Transact Europe Payment, Trazus, TrustPay, Trustly, UAE Exchange, UPayCard, Ukash, Unet, UnionPay, Unistream, Uphold, Verve, Vietnam Exchanger, Visa, VixiPay, VoguePay, Vouchers, Wallet One, WeChat, WebMoney, WebPay, Western Union, Wire Transfer, Wirecard, Yandex, Yandex Money, Yemadai, YuuPay, Z-Payment, Zenith, dinpay, eCard, eCheck, eKonto, ePay bg, ePayments Transfer, eTranzact, iPay, mPay, neteller, paysafecard, postepay, skrill, unichange.me
Full regulations list:
ASIC, CySEC, FCA
Cryptoasset investing is unregulated in most EU countries and the UK. No consumer protection. Your capital is at risk. CFD crypto trading is unavailable for clients residing in the UK and US.
2
Min. Deposit
$1
Promotion
User Score
9.3
The world's largest cryptocurrency exchange with over 2bn daily users
Innovative trading platform offering enormous range of crypto coins
Supports over 60 methods of payment including PayPal
Start Trading
Description:
Binance has grown exponentially since it was founded in 2017 and is now one of, if not the biggest cryptocurrency exchanges on the market.
Payment Methods
1Pay, 2C2P, 3d Secure Credit Card, ACH, ANELIK, Abaqoos, AdvCash, AlertPay, Alfa-Click
Algocharge, AliPay, American Express, Apple Pay, AstroPay, BPAY, Bank Link, Bank Transfer, Bank Wire, Baofoo, BitGold, BitPay, Bitcoin, Boleto, Bonds, Borneo Exchanger, Bradesco, CEX.io Mobile App, CFDs, CSS System, CUPS, CartaSi, Carte Bleu, Carte Bleue, Cash, CashU, Cashier Order, Check, Check (UK only), China UinonPay, China Union Pay, China UnionPay, ClickandBuy, Commodities, Contact, Contact Z, Credit Card, Cryptocurrencies, Currencies, DCPay, DIXIPAY, Dankort, Debit Card, Dengi Online, DineroMail, DirectPay, Dotpay, E-dinar, ELV, ENets, EPS, ETFs, EXCARD, Easy2Pay, EcoPayz, Ecommpay, Ecurrencyzone, EgoPay, Emerchant Pay, Eprotections, EstroPay, Ethereum, Euro Bank Account, Euteller, Express Dotpay, Express Polish Post Office 24/7, Express Zabka Market, Ezeebill, Ezybonds, FasaPay, Fastapay, Fastbank, Faster Payments, FilsPay, Forex, GTBank, Gate2Shop, Giropay, GlobalCollect, GlobalPAY, GlobePay, Gluepay, Google Pay, Halcash, I-Account, IPS, Ideal, Indices, Individual US State License(s), Indonesia Exchanger, InstaBill, Instadebit, IntellectMoney, Interswitch, Investmate, Investmate, Itukar, KNET, Klarna, LaoForexBoard, LavaPay, Lion Payment, LiqPay, Litecoin, Lobanet, MOTO, MT4, MT5, Mailing Cash, Market Maker, Masari, Mastercard, MegaTransfer, Mister Cash, Mobile Trading App, Mobile Trading Platform, Moneta, Money Bookers, Money Order, MoneyBookers, MoneyGram, MoneyPolo, Multibanco, NETBANX, Nab, Namecoin, Neosurf, NetPay, OKPAY, OMT, OmahPoin, OnPay.ru, Online Naira, OrangePay, PAYSEC, POLi, POLi & BPay, PYEER, PagoEfectivo, Paxum, Pay Nova, PayCo, PayPal, PayRetailers, PayWeb, Payeer, Payoneer, Payonline, Payvision, Payza, Perfect Money, PocketMoni, Postbank, Powercash 21, Prepaid MasterCard, Prepaid MasterCard (I-Account), Prepaid MasterCard (Intercash), Prepaid MasterCard (Payoneer), Privat 24, Przelewy24, QIWI, RBK Money, Rapid Transfer, RegularPay, SEPA, Safecharge, SafetyPay, SahibExchange, Shilling, SmartPay, Sofort, SolidTrust Pay, SorexPay, Sporopay, Stock Certificate, Stocks, Swish, Teleingreso, Thailand Exchanger, Ticketsurf, Todito Cash, Trade Interceptor, Transact Europe Payment, Trazus, TrustPay, Trustly, UAE Exchange, UPayCard, USD, Ukash, Unet, UnionPay, Unistream, Uphold, Verve, Vietnam Exchanger, Visa, VixiPay, VoguePay, Vouchers, Wallet One, WeChat, Web Based Trading Platform, WebMoney, WebPay, Webtrader, Western Union, Wire Transfer, Wirecard, Yandex, Yandex Money, Yemadai, YuuPay, Z-Payment, Zenith, cTrader, dinpay, eCard, eCheck, eKonto, ePay bg, ePayments Transfer, eToro Mobile Trading Platform, eToro Trading Platform, eTranzact, iPay, mPay, neteller, paysafecard, postepay, skrill, unichange.me
Full regulations list:
3
Min. Deposit
$1
Promotion
User Score
8.7
200+ trading instruments, including currency pairs, stocks, metals, indices, commodities and cryptocurrencies
More than 70 cryptos available
Variety of ways to deposit and withdraw money
Start Trading
Description:
Instaforex provides top-notch services and reliability are recognized by numerous awards and proved by the trust of over 7,000,000 clients. A wide selection of offers and investment solutions can meet the needs of any demanding trader. The safety is supported by the licenses from the CySEC, the SNB, the KNF, and CNB. InstaForex has everything to make your trading experience as positive as possible.
Payment Methods
BPAY, Bank Wire, Bitcoin, Boleto, CartaSi, Carte Bleue, China UnionPay, Credit Card, Dankort
Debit Card, Giropay, Ideal, MoneyGram, POLi, Paxum, PayCo, Przelewy24, Sofort, Trustly, Western Union, ePay bg, ePayments Transfer, neteller, postepay, skrill
Full regulations list:

How to buy Bitcoin with debit card – a step-by-step guide

A debit card is one of the most simple payment methods around. Follow the steps below to learn how to use one to buy Bitcoin and make your first purchase.

  1. Create a bank account. You need an account with a bank or financial service that offers debit cards. Opening up a bank account entitles you to a debit card, which you can use to spend the money that’s in your account.
  2. Find a broker and sign up. Almost every broker and exchange accepts deposits via debit card. Some don’t, so it’s worth checking before you sign up, but once you’ve confirmed it you should create an account by supplying your contact details and a form of ID as verification.
  3. Decide how much to deposit. A good rule is to only invest 5% of your portfolio in any one asset. That approach reduces the risk of failure in one investment affecting your overall wealth too badly.
  4. Deposit money using a debit card..Sign into your broker account and head to the section where you make a deposit. Choose a debit card as your payment method and enter your card details. Check that the details are correct and then hit ‘deposit’. 
  5. Search for the coin you want to buy. Use the search bar to find the current Bitcoin price. You can search with the word ‘Bitcoin’ or its ticker symbol, BTC. From the results, pick the pair that matches up with how you want to pay for it; BTC/USD if you want to pay in dollars; BTC/GBP if you want to pay with pounds. 
  6. Execute the trade. Enter the details of the trade, including how much Bitcoin you want to buy and how much you want to spend. When you’re happy with all the details of the trade, hit ‘buy’ to execute it. Your new cryptocurrency will then show up in your account wallet, where you can leave it or transfer to a more secure self-custodial crypto wallet.

Top platforms that accept debit card

The platforms below are the best crypto brokers that let you use debit cards to buy Bitcoin. Along with some details about each platform, we’ve included an explanation of why each one has made our list of favourites.

1. eToro

eToro is the best and easiest way to buy Bitcoin. It’s one of the most popular crypto brokers and has a simple trading interface that’s geared towards beginners. Its CopyTrading feature means you can follow other people’s Bitcoin trades and learn from their decisions and explanations.

To use a debit card on eToro, just log into your account and choose ‘deposit funds’ from the left hand menu. From there, make sure ‘debit/credit card’ is selected as the payment method and enter your card details along with how much you want to deposit. Then use the search bar to search for BTC and click ‘trade’.

Sign up with eToro now >

68% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money 

2. Coinbase

Coinbase is another simple, beginner-friendly exchange platform. It is purely a crypto exchange and so makes it very easy to buy Bitcoin. It also boasts a huge range of other cryptocurrencies so you can invest in altcoins like Ethereum and transfer them to the Coinbase wallet for safekeeping.

Anyone can use a debit card to deposit money into Coinbase as long as the card supports 3D secure (which almost all cards do these days). Go to your settings and add a payment method. Once you have added the card by entering your card details you can buy digital currency straight away.

Sign up with Coinbase >

3. Bitpanda

Bitpanda is a crypto exchange where you can buy Bitcoin and spend it using Bitpanda’s own debit card. The exchange is simple to use and particularly popular with European users as it offers lots of different ways to pay, including debit cards.

Using a debit card on Bitpanda is much like any other platform. Sign up and then go to the account section to deposit funds. Choose a card as your payment option and enter the relevant details. Then choose how much to deposit and then search for Bitcoin in order to buy it.

Sign up with Bitpanda >

Should I use a debit card to buy Bitcoin?

A debit card is often the easiest way to buy Bitcoin and it’s just like making any other online purchase. It makes for a near instant transaction, so you can start buying crypto immediately, and offers you a level of buyer protection.

Debit card payments are more convenient than bank transfers and normally faster. The trade-off is that the fees are more expensive. Conversely, it’s often cheaper to use a debit card than an alternative payment method like PayPal. The trade-off there, of course, being that you have to sacrifice some anonymity.

Ultimately, the decision depends on whether speed is more important to you than cost. Debit cards are a popular payment method on almost every crypto exchange but there are plenty of others too. 

What are the fees for buying BTC with debit card?

They vary dramatically between platforms. The fee for debit card deposits can range from 1% to 2.5% of the amount, while there may also be a fee for withdrawals as well. eToro, for example, charges a flat fee of $5 on every withdrawal.

Alternative payment methods

As Bitcoin is the most popular cryptocurrency there are many different ways to buy it. A bank transfer is a common way to buy Bitcoin, while you can also use apps like Google Pay, Apple Pay, or PayPal.

FAQs

Can I buy Bitcoin with no fees?
Can I buy other cryptocurrencies with debit card?
Does Coinbase accept debit card?
Does Binance accept debit card?
Can I store BTC in my debit card account?

Fact-checking & references

Our editors fact-check all content to ensure compliance with our strict editorial policy. The information in this article is supported by the following reliable sources.

Risk disclaimer

Invezz is a place where people can find reliable, unbiased information about finance, trading, and investing – but we do not offer financial advice and users should always carry out their own research. The assets covered on this website, including stocks, cryptocurrencies, and commodities can be highly volatile and new investors often lose money. Success in the financial markets is not guaranteed, and users should never invest more than they can afford to lose. You should consider your own personal circumstances and take the time to explore all your options before making any investment. Read our risk disclaimer >

James Knight
Lead content editor
James is the lead content editor for Invezz, covering the stock market, cryptocurrency, and macroeconomic markets. Outside of work, James is an avid trader and golfer… read more.