How to Buy Bitcoin with Credit or Debit Card*

Sure. You can buy bitcoin and a number of other cryptocurrencies at CEX.IO by using the Buy Crypto service. This feature is available in our mobile app as well. You can also place a market order on the spot market, and it will be filled accordingly. We have gathered advanced trading tools and implemented proprietary software that ensures our customers can trade bitcoin with high liquidity and tight spreads.

Credit and debit cards are the most convenient way to buy crypto with fiat on CEX.IO. Card deposits on CEX.IO are typically fast when both CEX.IO's systems and your bank are operating smoothly. Alternatively, you can purchase bitcoin using bank transfers, online wallets, or other cryptocurrencies.

All you need to do is replenish your account balance and select the appropriate currency pair to buy bitcoin. The same goes for selling crypto. 

When you have done your own research and think it is the right time to purchase or sell bitcoin, you can do it 24/7 at CEX.IO. If you plan to make large deposits and withdrawals, make sure that account verification limits are enough for your needs. You can check your transaction limits on the Verification page in the Profile menu. 

Definitely. You can set the amount of fiat you want to spend to buy bitcoin. This will automatically identify the amount of coins you will receive in your account after purchase. You can start with a minimum of $20, and buy even a tiny fraction of crypto. For more information about recent bitcoin price changes, take a look at the price chart.

After purchasing bitcoin, crypto will be sent to your CEX.IO wallet. You can buy, sell, or withdraw your crypto anytime, just ensure that CEX.IO systems are running operationally and there are no delays or issues reported on our Status page. Also, please note that as a custodial wallet provider, CEX.IO holds and manages your private keys on your behalf. This means we have control over users' digital assets and are responsible for digital assets' security. 

*New and existing U.K. Customers are required to pass extra steps of onboarding as required by the FCA. Including but not limited to customer categorisation, an appropriateness test, and a 24-hour cooling-off period.

Once you choose where to buy Bitcoin with a credit card or debit card, the process is usually fast and straightforward. With CEX.IO, you can link your bank card seamlessly and make a secure purchase through either Instant Buy or Wallet, both accessible under the Products menu. 

If you're using a credit or debit card, there's no difference between these two methods, as they both support smooth and secure transactions. The difference becomes relevant when you're using other payment solutions. For example, Wallet supports bank transfers, while Instant Buy may offer alternative methods like Google Pay and Apple Pay (subject to eligibility).

Buying Bitcoin with a Visa or Mastercard on CEX.IO is straightforward. Here are the steps:

1. Register and verify your identity to receive a free crypto wallet. 
2. Navigate to Instant Buy. 
3. Specify the fiat currency you want to use for your Bitcoin purchase. 
4. Enter the amount of fiat you’re willing to spend. 
5. Choose BTC from the dropdown menu as your preferred asset. 
6. Select credit/debit card as your payment method. 
7. Enter your financial details, including your Mastercard or Visa card number, expiration date, and CVV. 
8. Review all transaction information.
9. Confirm your Bitcoin purchase as prompted on the page.
10. Go to your CEX.IO wallet and check the balance. 

Note: Eligible customers may also buy Bitcoin with a prepaid card. However, this method is generally not recommended, as it can sometimes lead to transaction confirmation issues or failed payments due to issuer restrictions.

Besides credit and debit cards, eligible participants can buy Bitcoin with a bank account at CEX.IO. We support several reliable banking networks, including SEPA for EU users, SWIFT for international transfers, and Faster Payments for UK-based residents. This payment method is available through our Wallet functionality (not supported via Instant Buy). Here’s how it works: 

1. Log in to your CEX.IO account using your established credentials. 
2. Navigate to Wallet through your dashboard or under the Products tab. 
3. Go to the Add Funds section. 
4. Enter the fiat currency. 
5. Specify the amount. 
6. Click on Select Payment Method and choose Bank Transfer as your preferred funding gateway. 
7. You’ll receive the bank transfer details from the CEX.IO exchange. 
8. Visit your bank branch and use the provided information to deposit funds into your account. 

At CEX.IO, eligible customers can buy Bitcoin with PayPal through our web-based platform or Crypto Mobile App, available across iOS and Android devices. All you need to do is: 

1. Navigate to Instant Buy. 
2. Choose PayPal as your preferred payment method. 
3. Click Log in to PayPal to link with your CEX.IO account. 
4. Enter the required financial information. 
5. Confirm the transaction as instructed on the screen.

Registered customers can only review the CEX.IO web page. However, they can not buy Bitcoin with a credit card with no verification. Completing the identity verification is necessary to access CEX.IO’s services and features. 

At CEX.IO, you can top up your balance with USD using your credit/debit card or bank account, and convert those funds to Bitcoin using our Crypto Converter. Here’s how: 

• Log in to your CEX.IO account. 
• Navigate to Wallet. 
• Find USD under the FIAT tab. 
• Click Convert next to it. 
• Select Bitcoin as the asset to which you want to convert your USD funds. 
• Confirm the exchange. 

Note: Our Crypto Converter displays the real-time exchange rate for your USD-to-Bitcoin conversion before you complete the transaction, so you’ll know exactly how much Bitcoin you’ll receive.

Bitcoin is widely available across both centralized and decentralized exchanges that are licensed to operate in the United States, including CEX.IO. While decentralized platforms offer peer-to-peer trading and increased anonymity, centralized exchanges like CEX.IO provide a more user-friendly experience with added layers of security, compliance, and customer support.

If you're looking to buy crypto in the US, our exchange stands out with a regulated environment, free crypto wallet, and deeper liquidity that supports faster and more reliable transactions. 

No, you cannot buy Bitcoin with no KYC on CEX.IO. As a regulated and licensed exchange, we strictly follow KYC/AML policies to ensure compliance and protect our users. Verifying your identity helps create a secure environment, prevents fraud, and supports safe trading. While some unregulated platforms may skip KYC, they may also pose serious risks, including security threats and a lack of legal protection.

If you're wondering whether you can buy Bitcoin with no fees, it's important to note that nearly every transaction involves some form of fee, whether it's a payment processing fee, a trading fee, or a 1% conversion fee when using our Crypto Converter. The exact cost depends on your payment method and the type of transaction you choose, such as Instant Buy, trading, or conversion.

We encourage users to check our Limits and Commissions page to find the most cost-effective solution.

That said, the only way to receive Bitcoin completely fee-free is via CEX.IO Pay, which allows instant, no-fee transfers between CEX.IO users.

The easiest way to buy Bitcoin is through Instant Buy. This functionality allows eligible users to purchase BTC and over 200 other vetted cryptocurrencies at the current market rate, without having to navigate the trading interface. Simply choose your preferred payment method, such as a credit/debit card, Google Pay, Apple Pay, or PayPal (US-based customers only), and complete your transaction in just a few clicks.

The cheapest way to buy Bitcoin depends on your preferences and risk tolerance. For example, credit and debit card purchases may include service fees ranging from 0.49% to 4.99% per transaction. As an alternative, some users find SWIFT transfers more cost-effective, typically incurring a 0.1% commission (with a $/€/£10 minimum).

Another low-cost solution is MoneyGram, which allows you to top up your account with USDC at no fee, and then convert USDC to BTC at just a 1% conversion rate.

More experienced users may prefer Spot Trading, which can offer better rates by allowing you to trade supported crypto and fiat currencies directly against BTC. You can also explore Margin Trading for greater market exposure, using up to 10x leverage. Available BTC-based margin pairs include XRP/BTC and DOGE/BTC.

Disclaimer: Trading, especially with leverage, involves risk and may result in financial loss. It is recommended only for users who understand market volatility and the mechanics of leveraged trading.

Yes, buying Bitcoin on licensed and regulated exchanges like CEX.IO is as safe as purchasing anything in-store or online. As a regulated platform, we follow strict security standards, including KYC/AML compliance, data encryption, two-factor authentication, and secure payment processing. These measures are designed to protect your personal information and funds, ensuring a safe environment for buying and managing Bitcoin.