How to buy Bitcoin with a credit or debit card instantly in 2025

Looking to protect your savings during the financial crisis? Buying Bitcoin is an attractive option. But what’s the best way to buy BTC with a credit card? Read this guide from the CoinsPaid experts to find out.

Here are just a few of the common questions that we’ll answer in the guide:

1. Where can I buy Bitcoin with a credit card?
2. How to identify hidden fees?
3. How long does the KYC take?
4. Is it possible to buy Bitcoin with no verification at all?
5. What’s cheaper – wire transfers or paying with a card?
6. What’s the best app to buy Bitcoin with a credit card?

Where to buy Bitcoin with credit card: 4 types of platforms

If you want to buy Bitcoin with a credit card, for investment purposes or to make payments via a crypto payment gateway, you’re spoilt for choice. There are dozens of websites offering this service. They fall into 4 broad categories:

Exchanges (trading platforms).

These platforms are designed primarily for active crypto trading, with lots of currency pairs, order books, and advanced order types like take-profit and stop-loss. Examples are Binance, Poloniex, Cex.io, and Currency.com. For those who simply wish to buy BTC with a credit card, they have an additional simplified interface. For instance, compare the two interfaces on Binance:

Wallets

These are apps like Coinbase, Crypto.com, and Trust Wallet. They are designed for storing and sending cryptocurrency, not for trading. You can still convert one crypto into another inside the wallet, but you can’t open limit orders, for example. If you’re not a trader, a wallet that lets you buy BTC with a debit card is probably better and easier than an account on Binance. The average fee is between 3% and 6%.

“Grey zone” exchangers.

These are websites that exist in the grey zone, meaning that they accept just about any means of payment and sell dozens of cryptocurrencies, but their activities are completely unregulated. Most are based in Russia, CIS, or Estonia. Some have a license, while some aren’t even registered as companies. You can find them on the aggregator bestchange.com:

Most of these services have some form of a KYC: full name, email address, and phone number but they don’t require any scans or selfies. You can even find ‘grey’ exchangers that allow you to buy Bitcoin with a credit card instantly and with no verification. However, remember that such services are also the least secure. You’ll have to transfer them the money and hope for the best because there’s no real guarantee that the exchanger will honor its part of the deal. Plus, they tend to offer unfavorable rates with high hidden fees. But if your main problem is how to buy Bitcoin with a credit card and no verification, half-official exchangers are your only option.

P2P sites.

One of the most famous platforms for P2P crypto trading is Binance P2P. There, you buy from individuals, and there are hundreds of offers to choose from. You can filter by country, amount, currency, and a preferred payment method – but availability varies depending on what sellers accept in your region.

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Is it possible to buy Bitcoin instantly with a credit card and no verification?

You’ll often see ad banners offering you to buy Bitcoin with a credit card instantly. But once you head over to the site, you’ll discover that the process isn’t instant at all. You’ll need to complete a KYC first, and that can be quite laborious! On any secure, regulated platform you’ll have to provide your full name and address, emails, plus a scan of your photo ID and your selfie holding the ID. Many sites also ask for proof of residency (like a utility bill or a bank account statement) and even a photo of the credit card.

On top of that, you’ll have to make sure that the scans and photos are of the correct format and size: no more than 2MB, no less than 700x700px, with all the letters clearly legible, and so on. We’ve even seen sites demand a selfie with the credit card in one hand and the ID in the other! (You’d need a third hand to make that selfie – or someone to take a picture of you.)

The whole process can take anything from 30 minutes to a whole day. If a document doesn’t fit the requirements, your KYC application will be rejected and you’ll need to send another file.

Why do crypto exchanges make it so difficult? Why not just let users buy Bitcoin with a credit card and no verification at all? The reason is that whenever fiat and cards are involved, there’s always an intermediary bank. And no bank will ever work with an exchange that doesn’t verify the identity of its customers. The risk of money-laundering and other illegal activity is too high. So any website that promises that you can buy Bitcoins with a credit card instantly and with no verification is most likely a shady or even illegal operation.

"Buying Bitcoin with a credit or debit card can be a quick and efficient way to step into the world of crypto. The key is to use a platform that balances ease of access with transparency, so you can avoid hidden fees and make the process smooth."

Max Krupyshev

CEO of CoinsPaid

Watch out for hidden fees

Before you buy crypto with a credit card, make sure to check two things:

Credit card fee vs. wire transfer fee.

It can be much cheaper to send money from your bank account, especially in Europe with its SEPA system. For instance, here are the fees on Coinbase:

As you can see, a SEPA transfer will cost you just 0.15 euros, while the debit card fee is a hefty 3.99%. Why? Mostly because of the acquiring bank’s commission.

"Acquiring fees are a nightmare for any online merchant. They can exceed 3.5% and eat up half of one's profit margin. That's why so many merchants now start to accept payments in crypto: it allows them to save up to 70% on processing costs."

Max Krupyshev

CEO of CoinsPaid

Of course, you’ll have to wait for a day or two at least for the wire transfer to be processed. But if you want to save money, it’s better to use a bank account rather than buy Bitcoin with a debit card.

Exchange rate.

If the fee is attractively low, it can be because the commission is included in the exchange rate – and thus hidden from you. As an experiment, we compared quotes on several sites at the same time on August 4, 2025. Binance was selling for $114,589, the best offer on BestChange.com was $112,380 when paying by card, and on CoinMama it was $114,505. This means that the BestChange.com seller’s price is 1.9% higher than on Binance, which can be a hidden fee!
What about the legal aspect?

It’s obligatory to verify local compliance requirements before participating in any crypto activity.
New rules now apply across Europe under MiCA (Markets in Crypto-Assets Regulation). MiCA sets clear standards for licensing, consumer protection, asset classification, and stablecoin issuance. Any company offering crypto services to EU residents must now meet these requirements.

In the US, FinCEN has stepped up enforcement of AML regulations, especially for platforms serving businesses. It includes stricter identity checks, ongoing transaction monitoring, and full verification of company ownership structures.

Buying Bitcoin with a debit card: is there any difference?

So far we’ve discussed how to buy Bitcoins with a credit card. But what if all you have is a debit card?

The good news is that almost all exchanges that accept credit cards also allow you to buy Bitcoin with a debit card instantly. However, some regional types of debit cards may not be accepted. For example, Coinmama accepts Visa and MasterCard debit cards, but not American Express or Discover.

The fees and KYC rules will usually be the same for debit and credit cards. Thus, on a transparent and legal platform, you won’t be able to buy Bitcoin with a debit card and no verification.

Credit or Debit card?

If you have both a prepaid card and a credit card, it’s probably better to buy Bitcoin instantly with a debit card – at least if you live in the US or Canada. North American banks sometimes block crypto-related transactions coming from credit cards. In Europe, both types of cards work equally well, but we still advise you to try the prepaid card first.

Can I buy Bitcoin with a credit card using a currency other than USD and EUR?

Not all of us have a dollar or euro account. Luckily, most platforms offer several options. For example, on Coinbase you can instantly buy Bitcoin with a credit card using GBP, CAD, SGD, and a few others. The undisputed champion is Binance. It accepts 45 fiat currencies, including Peruvian sol, Russian ruble, and Kenyan shilling.

5 of the best sites to buy Bitcoin with a credit card

We’ve told you how to buy bitcoin with a credit card, now let’s take a look at a few places where you can do it. Note that none of the options is perfect – there’s always a caveat, be it high fees or limited geographic coverage.

1. Coinbase

Coinbase logo

Pros

• Credit card deposits are supported in the EU, US, Canada, and 10+ more countries.
• You can trade 260+ assets.
• Good reputation – established back in 2012.

Cons

• Under 6% credit card fee, depending on the region and terms.
• Setting up & verifying an account can take several days.
• Limited payment options in some regions.

2. Paxful

 

Coinbase logo

Pros

• Hundreds of offers.
• 500+ payment options, including PayPal and Amazon gift cards.
• You can trade up to $10,000, providing your email, phone number, and ID, without address verification.

Cons

• Monthly and one-time limits for Lightning transactions.
• Address and enhanced due diligence verification for trading $10,000+ and $50,000+, respectively.
• Obligatory verification of address for some regions

3. BitPanda

Paxful logo

Pros

• No deposit or withdrawal fees for any fiat payment method.
• Many payment options – Apple Pay, PayPal, Visa, Mastercard, UPI, etc.

Cons

• Fees aren’t transparently listed.
• Fees of up to 2.49%
• Limited support outside of the EU.

4. Binance

Bitpanda logo

Pros

• Low fees from 0.01%.
• Over 35 fiat currencies are supported.
• Support for Pix for the Brazilian region
• High weekly deposit & withdrawal limits.

Cons

• In some countries, only Visa is accepted, in others, only MasterCard.
• The service is not available in some US regions.

5. Bitstamp

Binance logo

Pros

• Works in 150+ countries.
• Free SEPA deposits (withdrawal – 3 EUR).

Cons

• Restricted in some US regions.
• 4% credit card fee.

Closing thoughts

The price of Bitcoin increased from $40,000 to $64,800 in 2021, but there was still significant growth potential. As of August 2025, Bitcoin set a new record, reaching a price of $114,700. Thus, if you are looking for a way to protect your savings during the global economic crisis, Bitcoin may offer a potential hedge.

If you’ve never bought crypto before, it can seem confusing and complicated. But in reality, buying Bitcoin with a credit card is easy. True, you’ll have to spend some time on verification, but once you’ve passed it, the whole process takes less than a minute. As for the potential gains, they are more than worth it.