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Buy Bitcoin With Debit Card

7 Ways to Buy Bitcoin with a Debit Card

By: Ofir Beigel | Last updated: 3/27/22

Buying Bitcoin with a debit card has become relatively easy in the past few years with the introduction of anti-fraud systems for Bitcoin exchanges. However, these systems are quite expensive to operate and therefore exchanges will usually charge a premium for buying Bitcoin with a debit card.

Post summary

The fastest way to buy Bitcoin with a debit card would be through Here are the steps:

  1. Visit Coinmama
  2. Decide on a deposit amount
  3. Complete the id verification process
  4. Enter your Bitcoin address
  5. Complete the payment with your debit card

If you’re looking for additional options, here’s a complete list of exchanges that allow Bitcoin purchases with a debit card.


Supported Countries:

Overall Rating



Supported Countries:

Overall Rating


Supported Countries:

Overall Rating



Supported Countries:

Overall Rating


If you want a more detailed explanation of each method keeps on reading. Here’s what I’ll cover:

  1. Where Can I Buy  Bitcoin with Debit Card?
  2. Coinmama
  3. eToro
  5. Coinbase
  6. Bitpanda
  7. Bitstamp
  8. Coingate
  9. Conclusion – Is it Safe to Buy Bitcoins with a Debit Card?

1. Where Can I Buy Bitcoins with a Debit Card?

Using your debit card to purchase Bitcoins hasn’t always been as easy as it sounds. Some exchanges are afraid of fraud and therefore don’t accept debit cards. However, many exchanges have started implementing services to detect fraud and are more open to credit and debit card purchases these days.
As a rule of thumb, an exchange that accepts credit cards will also accept a debit card. If you’re not sure about a specific exchange, you can just Google its name + “payment methods” and you’ll usually land on a review covering what payment method this exchange accepts.

2. Coinmama


Good support, fast turnaround, respectable company


Limited states supported in the US

Coinmama supplies an easy way to buy Bitcoins with a debit card while charging a premium. The company has been around since 2013 and supplies a wide variety of cryptocurrencies aside from Bitcoin. Recently, the company has improved its customer support substantially and has one of the fastest turnarounds for buying Bitcoins in the industry.

Buying Bitcoins with a debit card through Coinmama

  1. Visit Coinmama and choose the number of Bitcoins you want to buy
  2. Sign up on the site and verify your identity
  3. Get a Bitcoin wallet and an address (Coinmama does not hold Bitcoin for you)
  4. Supply Coinmama with your Bitcoin address
  5. Complete debit card information
  6. Coins will be sent instantly



Suitable for beginners, great support


Limited countries available, long process to withdraw your coins

If you’re into Bitcoin (or any other cryptocurrency) just for price speculation, then the easiest and cheapest option to buy Bitcoins may be through eToroUS users disclaimereToro USA LLC; Investments are subject to market risk, including the possible loss of principal. Proceed to eToro. eToro supplies a variety of crypto services such as a trading platform, cryptocurrency mobile wallet, an exchange and CFD products.

When you buy Bitcoins through eToro you’ll need to wait and go through several steps to withdraw them to your own wallet. So, if you’re looking to actually hold Bitcoins in your wallet for payment or just for a long term investment, this method may not be suited for you.


eToro disclaimer: This ad promotes virtual cryptocurrency investing within the EU (by eToro Europe Ltd.), UK (eToro UK Ltd.) & USA (by eToro USA LLC); which is highly volatile, unregulated in some EU countries and the UK, no EU or UK consumer protections & not supervised by the EU or UK regulatory framework. eToro USA LLC; Investments are subject to market risk, including the loss of principal.

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. CFDs are not available to US customers.

CFDs are not available to US customers.

Cryptoassets are highly volatile unregulated investment products. No EU investor protection.


Reputable company, high buying limits


Support sometimes slow, relatively high exchange rate supplies trading services and brokerage services (i.e. buying Bitcoins for you). If you’re just starting out, you may want to use the brokerage service and pay a higher fee. However, if you know your way around exchanges you can always just deposit money through your debit card and then buy Bitcoin on the company’s trading platform with a much lower fee.

Buying Bitcoins with a debit card through

  1. Visit and sign up
  2. Go to “Finance” -> “Deposit” (make sure to select your own currency)
  3. Use your debit card to fund your account
  4. If you want to use the easy but expensive brokerage service go to “buy/sell”
  5. If you want to use the complex but cheap service go to “trade” and choose BTC/USD (or any other currency)

5. Coinbase


User-friendly interface, Relatively low fees, Established reputation


Support takes time to respond

Coinbase is a well-known Bitcoin broker that gives you the option to buy Bitcoins with a debit or credit card on their exchange.

Coinbase no longer has a clear fee structure for debit card purchases, but you can double-check what you’re being charged during the final steps of conversion. Keep in mind you will need to upload a government-issued id in order to prove your identity before being able to buy the coins.

Buying Bitcoins with a debit card through Coinbase

  1. Create a Coinbase account
  2. Go to “settings” – “payment methods” and click “add the payment method”
  3. Add you debit card
  4. Confirm your debit card
  5. Go to “buy/sell” and select the number of Bitcoins you want to buy

6. Bitpanda


Low fees, intuitive interface, multiple payment options


Better suited for EU customers

Bitpanda was founded in October 2014 and it allows residents of the EU (and a handful of other countries) to buy Bitcoins, other cryptocurrencies, stocks and precious metals through a variety of payment methods (Neteller, Skrill, SEPA etc.). The daily limit for verified accounts is €2,500 (€300,000 monthly) for credit card purchases. For other payment options, the daily limit is  €10,000 (€300,000 monthly).

Buying Bitcoins with a debit card through Bitpanda

  1. Visit Bitpanda and sign up
  2. Verify your identity
  3. Choose a cryptocurrency (e.g. Bitcoin) and click “Buy”
  4. Choose the “Visa/Mastercard” payment method
  5. Enter the amount you wish to buy
  6. Click on “Next step”
  7. Confirm your order

7. Bitstamp


One of the oldest and most reputable exchanges around, good support


Not very user friendly, the verification process can take a while

Bitstamp is a fully licensed Bitcoin exchange that has been around since 2011. The website provides mainly trading services, however they also have a brokerage option for buying Bitcoins directly with your debit card.

To finish your order you have to use 3D Secure. Some banks may consider your credit card deposit as a cash advance. If that is the case, your bank or debit card provider may charge extra fees. The exchange is open mostly to the US, EU, and Asia, with a total of around 80 countries currently supported.

Buying Bitcoins with a debit card through Bitstamp

  1. Go to the Bitstamp deposit page and select “card purchase” from the side menu
  2. Pick which cryptocurrency you want to buy
  3. Choose a currency to pay with
  4. Enter how much cryptocurrency you want to purchase
  5. Enter your card details
  6. Confirm the purchase

8. CoinGate


Non-custodial, friendly UI


Intensive KYC, relatively high fees

CoinGate is a Lithuania-based crypto exchange and payments processor, which allows users to buy Bitcoins and other cryptocurrencies with their debit card or other payment options.

CoinGate offers a non-custodial service, which means that when making a purchase, users will receive the coins directly to their wallet. Card purchases incur a 5% fee, which is added on top of the standard “trader fee” of 3%. Most crypto purchases on CoinGate are fulfilled by Simplex or Paybis – two very well-known crypto payments processors.

Buying Bitcoins with a debit card through Coinbase

  1. Visit CoinGate
  2. Enter the amount of BTC you wish to buy + your BTC address
  3. Enter your card details
  4. Verify your identity
  5. Submit payment

9. Conclusion – Is It Safe to Buy Bitcoins with a Debit Card?

As long as you’re using a trusted exchange, using your debit card to buy Bitcoins is perfectly safe. The main thing I would advise is not to keep the Bitcoins on the exchange after you buy them, but move them to your own Bitcoin wallet.

Keep in mind that using your debit card may be convenient, but it’s also more expensive. If you’re buying a relatively large amount of coins and you have the option I suggest always using a bank transfer. However if the amount isn’t that big sometimes paying the extra 3%-5% is worth the time saved.

If you have any questions or comments about the process, feel free to leave them in the comment section below.