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How to Buy Bitcoin With a Debit Card Instantly

Last Updated on February 27, 2024

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Written by
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Edited by
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Disclaimer: This is not a validation of cryptocurrency or any particular provider, service, or product. It should not be taken as advice to engage in trading or use any services. Please check our terms and conditions.

The crypto market has flourished significantly once traders got the option to purchase digital coins using their credit and debit cards. For most of them, this was the cheapest and most convenient method compared to bank and wire transfers that would take days to complete.

Unfortunately, cards are still not listed on every crypto exchange on the market. Mostly out of security reasons, they like to keep their platform safe from scams and thefts. To make things easier for you, we have prepared a list of five top exchanges where you can purchase Bitcoins instantly using only your debit card.


Coinmama is a buy-only outlet, founded in 2013, and the first platform to introduce debit and credit cards as a payment method. The company behind Coinmama wanted to prove there could be a more convenient way for clients to purchase cryptocurrencies. The platform turned out an instant success and is now available in 200 countries worldwide including the US. Their unparalleled turnaround time is a great performance indicator.

The biggest disadvantage is that Coinmama charges higher fees than the industry average. First, there’s a 5.5% fee added to the current coin rate, and an additional 5% fee for credit/debit card transactions.

On the flip side, Coinmama offers incredible buy limits depending on your verification level. The daily limit for fully verified users is $5,000 a day or $20,000 per month. The prices are calculated in USD or EUR but the platform supports a number of other currencies as well.


As one of the oldest UK-based crypto exchanges, CEX.io takes pride in being fully compliant with the country’s financial regulations. It’s also one of the first platforms to offer fiat to crypto exchanges.

Currently, the platform supports eight cryptocurrencies: Bitcoin, Bitcoin Cash, Bitcoin Gold, Ethereum, Ripple, Dash, Stellar, and ZCash, and a couple of fiat currencies, including USD, EUR, and GBP. Apart from credit and debit cards, CEX.io supports bank and wire transfers too.

Operating as a brokerage service, the platform buys and sells cryptocurrencies for an added 7% service fee. However, you can skip this fee if you just want to use CEX.io as a trading platform and do the rest of the job yourself. Simply click the “Trade” tab instead of “Buy/Sell”.


For many traders, Coinbase can be the benchmark for measuring the performance of other crypto exchanges. It’s an American-based platform that’s used by millions of users worldwide, and a great place to start with crypto trading if you’re a beginner yourself. Coinbase was designed to be user-friendly and make the crypto market seem less intimidating.

As a fiat to crypto exchange, Coinbase supports credit and debit cards as a regular payment method that can be used to buy one of the four leading cryptocurrencies the platform has to offer: Bitcoin, Bitcoin Cash, Ethereum, and Litecoin.

Coinbase is recommended to users who value security above privacy as you need to pass the Know Your Customer (KYC) check to register for an account. This includes providing a government-issued ID for verification purposes. Moreover, Coinbase includes a hefty fee for its high-level protection and services. Paying via cards incurs a fixed 3.99% rate per trade.


eToro is an Israeli platform launched back in 2007, with offices around the world including the US, UK, and Australia. Primarily popular among traders for its CFD trading services, eToro is used by more than 200,000 users worldwide.

eToro USA LCC does not offer CFDs, only real Crypto assets available.

This platform is a bit different than the ones we mentioned above. When you buy BTC on eToro, there’s no option to send them to another crypto exchange and trade them. You can only convert them back into fiat currencies.


Bitpanda is a reliable cryptocurrency broker that’s only available within the Eurozone. If you happen to be a resident of an EU country, this platform is probably the cheapest and easiest way for you to buy Bitcoin using a debit card.

Apart from credit and debit cards, you can also choose to pay via SEPA transfer, GiroPay, EPS, Sofort, Netteler, Skrill, and a couple of other methods. If your account is fully verified, you’ll be allowed to make transactions of maximum 2,500 EUR per day or 75,000 EUR per month.

About The Authors

Adam Headshot
Written by

Co-Founder / Managing Editor

Adam Morris, the co-founder of Crypto Head and a respected crypto expert, offers insightful commentary and analysis on cryptocurrency, NFTs, and the evolving digital landscape.

His extensive experience and features in top-tier publications like Forbes and CNN underscore his deep understanding of the crypto world and its future potential.

Check Adam out on:
James Headshot
Edited by

Crypto Technical Writer

James Page, previously the lead writer at Crypto Head and a registered psychologist, brings a unique perspective to the world of blockchain and cryptocurrency.

His extensive experience in the industry and ability to present complex concepts in an understandable manner make his articles a valuable resource for readers seeking to navigate the ever-evolving crypto landscape.

Check James out on: