Buy Bitcoin, Ethereum, Ripple with Credit Card – Best Exchanges Comparison

buy bitcoin and cryptocurrencies article cover with several bank cards

Cryptocurrencies seem to be confusing when you first decide to invest in it. All this news about scam projects and frauded users can scare crypto newbies. So many platforms have appeared for the last few years. Their developers aim to create a user-friendly space not only for trading but also for simple crypto purchases. 

Since almost every trading and exchanging platform has introduced the bank card purchase, buying Bitcoin has never been easy. However, not only a good user experience is on point but security and safety. We’ve compiled a list of the most reliable purchase resources with all its pros and cons. 

#1. Changelly

If you are interested in cryptocurrency purchase (and exchange, btw), we obviously remind you about our service. The whole process* is not rocket science at all:

  1. Select your native currency and the cryptocurrency you want to get. Fill in the amount.
  2. We offer you a huge list of payment operators who give several rates offers. Among these partners are MoonPay, Banxa, Coinfy, Indacoin, and Simplex. 
  3. When you define the desirable rate, fill in your email address,, and get the verification code. 
  4. In order to keep the process secure, our partners ask you to fill in some personal information as your name, nationality, etc. According to AML standards, you should also upload the photo of your ID and take a selfie. Then you can proceed with your transaction safely. 

* We’ve got the most comprehensive guide on how to use our services. If you decide in favor of Changelly, consider this article

The fiat transactions are completed in about an hour. If there are any issues with your transaction, our support team is here to help you 24/7. Check out our cross-rates right now and choose one that suits your needs. 

#2. Binance

binance buying page with bitcoin rate and exchange pair

Binance.com is a popular exchange specializing in crypto-to-crypto transactions, where you can also buy over 1000 cryptocurrencies. The first step is common for every platform – it’s a registration. After you fill in the email address, you’ll get a verification code. Then you can choose the amount to spend and the cryptocurrency to get. The next step is to confirm your identity.

Binance platform asks you to provide personal information to increase your withdrawal account limit to 100 BTC as well as deposit limits. This process also guarantees the security of your personal data. After you provide the Binance exchange with the information, you can complete your payment. 

#3. OKEx

Chinese cryptocurrency exchange OKEx has been offering trading tools for both crypto and fiat since 2014. OKEx gives a chance to buy crypto with a credit card. After you complete the registration and fill in the verification code, you should choose the button ‘I want to buy crypto.’ As on Changelly, the platforms give you the list of providers with rates sorted by arrival time, approx. BTC price and reference price of one Bitcoin. 

When we tried to buy crypto on OKEx, the fastest and most affordable way appeared to be Mercuryo. After choosing the option, you’ll be redirected to the operator’s website to complete the transaction. By the way, Changelly has an option to sell your cryptocurrency and buy fiat via Mercuryo. We even have a step-by-step guide, so check it out

#4. Coinmama

Coinmama is a fully legal broker that corresponds to all the legacies of developed countries. It offers high limits to buy cryptocurrencies with a credit or debit card. After the registration process is completed, you’ll be asked to provide personal information, government ID, and a selfie. However, Coinmama has relatively high fees. 

The main commission is 5.5%, but an additional 5% commission is also charged for processing the payment when buying with a bank card. For example, if you want to buy Bitcoin at a market price of $100 using a credit card, you will have to pay $110.5. An alternative option is to buy via bank transfer, SEPA for the EU countries, and the UK. There is no processing fee for purchases over $1,000 by wire transfer. Transactions below $1,000 are charged with a £20 fee.

#5. Bitpanda

Bitpanda trading platform was founded in 2014 in Austria. This trading platform is definitely one of the most popular in Europe. It does not operate in the USA, so be careful when choosing the exchange. Bitpanda requires registration with email address and verification of your national ID. Note that the commissions are already included into the final price so compare it to other resources. 

#6. Bitcoin ATM

LibertyX ATM enables the purchase of Bitcoin with a debit card. The process is similar to a common ATM, but finally, instead of giving cash, the machine sends you BTC digitally. In order to get Bitcoins, you should log in to your account, scan the QR code of your address, and choose the ATM where you want to buy cryptocurrency. You will get a 6-digit code, which is your order number. 

On the ATM, push the ‘Bitcoin LibertyX’ button and fill in the order number. Then, enter the purchase amount and insert your debit card. Note that credit cards are not accepted. Fill in the pin, and voila! Bitcoins are sent to your wallet. 

Summary

There are many different methods, and each has its own pros and cons. Usually, users try to find a balance between speed, price, and safety. Always do your own research in terms of fees, residence, and security staff.