Buy Crypto with Credit Card – Low Fees and Instant

Buy Crypto Instant With Credit Card for the Lowest Fees

Buy  Crypto Instant with Credit Card – Lowest Fees

  • Luno and Nexo offer the lowest fees for buying crypto with credit cards in the EU (1.5%)
  • and Kraken offer the lowest credit card deposit fees for US customers.

Exchanges that Accept the Credit Card

In this article, we go through seven top cryptocurrency exchanges that accept credit card payments from their users. 

The platforms are evaluated regarding the verification requirements, credit card fees, regional availability, and fiat currency coverage.

These platforms are Coinbase, BitPanda, and Binance, and you can see fees for debit or credit card deposits in the table below.


Deposit Fee


Bitpanda Bitcoin Exchange Logo

Luno EUR Credit Card Deposits

  • Luno only accepts EUR deposits via credit and debit card
  • Luno charges a 1.5% fee for EUR deposits via credit card or debit card
  • Luno offers a 25 EUR first deposit bonus if you buy crypto for 250 EUR.

Luno Exchange stands out with its exceptional features:

  1. Seamless User Experience: Luno provides a user-friendly platform, making it easy for beginners and experienced traders to navigate and execute transactions.
  2. Mobile-First Approach: Luno prioritizes mobile usability, offering a comprehensive mobile app that allows users to manage their portfolios on the go.
  3. Multi-Currency Support: It supports various fiat currencies, enhancing accessibility for users from different regions.
  4. Educational Resources: Luno offers educational materials and tools, promoting cryptocurrency understanding and knowledge for its users.

UpHold Credit and Debit card Deposits

Uphold buy crypto with credit or debit card

Uphold charges 2.49% in fees for credit card and debit card deposits.

Uphold is an excellent place for beginners to sign up and buy Bitcoin and crypto since it is user-friendly.

Staking: Uphold offers the opportunity to stake easily through their beginner-friendly platform. Here, you can earn passive income on proof-of-stake cryptocurrencies like Solana, Cosmos, Polkadot, and more.

Diverse Array of Tokens: Offering a vast selection of 250+ crypto-assets and frequently being among the first to introduce significant new tokens, Uphold is the go-to platform for discovering new cryptocurrencies.

Intuitive User Interface: The Uphold platform is celebrated for its user-friendly design, featuring a distinctive ‘anything-to-anything’ trading functionality, enabling seamless conversions like Bitcoin to ETH.

Openness and Financial Backing: Real-time updates of our asset and liability specifics are publicly accessible on the Uphold website, refreshed every 30 seconds. Uphold operates on a 100% reserve basis, ensuring utmost safety for users’ funds.

Coinbase Credit card Deposit Fee

Coinbase buy crypto with credit or debit card from the US

Coinbase is one of the largest crypto exchanges, especially for US customers. 

The platform is very user-friendly and easy to start with. However, their credit card fee is quite high.

Their services are available for 32 countries only but do offer credit card purchases for a fee of 3.99%. The payment process is quite simple. You need to provide your credit card details and set the volume of BTC, as shown below.

Read our Coinbase review for a complete guide on the crypto exchange with pros and cons.

Apart from credit card verification, you have to provide scanned ID and proof of address prior to the trade. Thus, the crypto exchange does not offer privacy when buying currencies. You can purchase Bitcoin, Ethereum, and Litecoin among many other cryptocurrencies at Coinbase. 

Read our full, step-by-step guide, on how to buy Bitcoin on Coinbase with credit card.

Bitpanda Bitcoin Exchange Logo

BitPanda Credit Card Deposit Fee

BitPanda is a European cryptocurrency exchange and wallet offering several purchase options, including credit cards. 

Purchasing cryptocurrency with a credit card on Bitpanda is a user-friendly and efficient process. Here is a summary of the key points:

  1. Platform and Accessibility: Bitpanda, based in Austria, allows users to buy and sell cryptocurrencies, as well as other assets like equities, commodities, and ETFs. The platform supports four major fiat currencies and offers a beginner-friendly user interface​​.

  2. Payment Methods and Fees: Users can buy cryptocurrencies using various payment methods including credit cards, debit cards, Neteller, and bank transfers (SEPA and SOFORT). The fees for credit and debit card transactions range from 1.5% to 1.8%​​.

  3. Account Setup and Verification: Before trading, users must undergo a rigorous verification process, which typically includes providing proof of identification. This process underscores Bitpanda’s commitment to regulatory compliance and security. Users need to fill in an account creation form, add a bank account to their Bitpanda account, and provide identification such as a passport or driver’s license​.

This setup ensures a secure and regulatory-compliant platform for users to conveniently purchase cryptocurrencies with credit cards.

Binance Credit Card Deposit Fee

Binance is offering the best credit card deposit fee. They are not very transparent about their credit card fee, but we have tried to purchase with a credit card on the Binance platform.

The exchange fee might vary depending on what fiat currency you use and from what country you are from.

Binance is the largest crypto trading platform with the best overall trading fee. Also, you will find various features here, like margin trading, futures trading, P2P exchange, Binance Earn, and more.

Kraken Credit Card Deposit Fee

Kraken is offering a competitive credit card fee for being a regulated exchange in the US.

Here, you must pay 3.75%+0.25 EUR compared to Coinbase, which charges 3.99% for credit card deposits.

Kraken Pros and Cons

Kraken Pros

Kraken Cons

  • Limited cryptocurrencies in the “Earn” feature for staking rewards App Credit Card Deposit Fee

In the mobile app you can buy cryptocurrencies directly with your credit or debit card for a fee of 2.99%.

This is the best rate for US customers since Binance doesn´t allow for US citizens and NEXO is charging higher fees for Non-EU countries. Also, Bitpanda does not allow US citizens either. Pros and Cons Pros Cons

  • You have to lock your funds for 3 months and stake CRO to receive the best interest rates

NEXO Credit Card Deposit Fee

Buying cryptocurrency with a credit card on Nexo is a straightforward and convenient process. Here’s a summary of the key steps and features:

  1. Availability and Card Types: Nexo’s ‘Buy-with-Card’ feature allows users to purchase cryptocurrencies near-instantly using debit or credit cards issued by Visa or Mastercard​.

  2. Process to Buy Crypto:

    • Log into your Nexo account on the web platform.
    • Choose either the ‘Buy Crypto’ or ‘Add Funds’ option.
    • Before purchasing, your card must be verified for security reasons. This is a one-time process for new users of the ‘Buy with Card’ feature​.
    • Once your card is linked and verified, you can use it for purchases. This can be done through the Nexo mobile application​.
    • To purchase, select the ‘Add Funds’ button on your Dashboard, choose ‘Credit/Debit Card,’ and then select the cryptocurrency you wish to buy. You can enter the amount in USD, EUR, or GBP​.
  3. Separation from Other Features: It’s important to note that buying crypto with a credit or debit card on Nexo is a distinct feature from moving funds to your bank account. Nexo does not support withdrawals to cards. To withdraw crypto or fiat currencies, you must use the Withdrawal screen for the specific asset in your Nexo Account​.

These features make Nexo a convenient platform for those investing in cryptocurrencies using credit or debit cards. The process is designed to be user-friendly, with added security measures such as card verification to ensure the safety of transactions.

NEXO charges 1.49% for EU and 3.49% for non-EU countries to deposit via card. 

NEXO card purchase criteria

  • The minimum and maximum transaction amounts are $50 and $5000, respectively.
  • You can buy up to $10,000 worth of crypto within a one-month rolling period.

Why is it high transaction costs for Credit and Debit card Deposits?

Crypto exchanges are charging high fees for credit card and debit card deposits. However, these fees are not applied from the crypto exchanges themselves but rather from the credit card and debit card issuers, like VISA and Mastercard.

They charges high fees to compensate for high credit card processing costs.

There are probably 2 reasons why they have high processing costs

enefits of Using Credit Cards for Crypto Purchases

  1. Convenience: Credit cards offer a familiar and convenient payment method for users, streamlining the purchasing process.

  2. Speed: Buying cryptocurrencies through credit cards is usually quick, allowing users to acquire assets instantly.

  3. Wider Adoption: Credit card acceptance by crypto exchanges has widened the adoption of digital assets by making them more accessible to the general public.

  4. Multiple Options: With various exchanges now accepting credit cards, users have more options to choose from based on their preferences.

Risks and Considerations

While using credit cards for cryptocurrency purchases has its benefits, users should be aware of potential risks:

  • Fees: Credit card transactions often incur higher fees compared to other payment methods.
  • Security: Users should prioritize exchanges with robust security measures to protect their financial information.
  • Interest Rates: If not paid promptly, credit card purchases can accrue high-interest rates.

In conclusion, cryptocurrency exchanges accepting credit cards have revolutionized the accessibility of digital assets. However, users should exercise caution, conduct thorough research, and choose reputable exchanges to ensure a secure and seamless buying experience.

How to get your own Crypto Credit or Debit Card?

Several companies are now offering you to get a crypto credit or debit card from VISA or Mastercard. With these cards you can make the opposite from deposit fiat to buy crypto. Here, you can spend crypto with your card and buy products anywhere where VISA and Mastercard is accepted. is one of all these actors and they also have the best current offer.

There are several loyalty levels and you can increase your rewards by staking more in their native currency, CRO.

We use this CRO Visa credit card ourselves and with 100.000 CRO staked we get

  • 2% extra interest rates on Earn
  • Free Spotify music streaming
  • Free Amazon Prime video streaming
  • Free Netflix video streaming
  • Free Airport lounge access
  • 5% cashback on all purchases (Paid directly in CRO)