Buy Stellar Lumens with Credit Card

Stellar XLM

In this article we will tell you the best place to buy Stellar Lumens with a credit card. We will compare, Changelly, Coinbase, Binance and Bitpanda. 

Compare fees, verification, and security. In addition, we provide step-by-step guides for each one of them. These guides can be applied to buy Bitcoin and other cryptocurrencies as well.

It is possible to buy Stellar XLM with a credit card via


First some introduction about Stellar and how to get a Stellar wallet.

Further reading: How to buy Bitcoin with Neteller.

Basics about Stellar Lumens XLM

Before we go into how to buy Stellar XLM with credit card we need to update on some basics about Stellar Lumens XLM. 

Stellar Lumens came out in 2014 in efforts to improve global financial markets and include unbanked population within banking services. As such, its main aim was not to substitute current financial institutions but to enhance the market instead.

Released as a decentralized blockchain network, Stellar is a distributed ledger that offers instant transactions with low fees (0.00001 XLM per transaction).

Lastly, XLM traders should be aware of two very important aspects of Stellar Lumens if they opt to buy it with credit card:

  • Nods have to trust each other for transactions to be instant
  • There is a minimum reserve requirement of 1 Stellar per account for wallet to be activate at all times

We reserved detailed explanation further down on why Stellar devs decided to include these limitations within the blockchain network.

How to get a Stellar XLM wallet?

Its necessary to have a Stellar XLM wallet if you are about to deposit Stellar coins via credit card. The network relies on consensus by other network users every 5 seconds and less. 

Stellar calls these users a Foundation community, built over years. Each node trusts the other and new entrants, once others verify them, nods can utilize the network.

To get a Stellar wallet (and become a node), traders need to keep a minimum balance of XLM. The amount is very small and should be greater than 1 XLM ($0.07 per coin currently). 

This particular feature stops market manipulations and transaction spams. Acquiring that one coin activates your account within the network and you support the fight against market machinations.

On the side of available wallets, you have several options in front of you:

  • Hardware wallets like TREZOR or Ledger Nano
  • Desktop wallets like Exodus, Keybase or Solar Wallet
  • Web wallets like Coinbase and BitPanda

Below is the Solar’s desktop wallet snapshot and a place where you can securely stash your XLM coins. Read more about Stellar wallets on

CEX.iO: Buy Stellar XLM with Credit Card Globally review logo

To buy Stellar Lumens directly on crypto and bitcoin exchange with a credit card, users need to take a few steps.

Step 1: Register an account and then complete the verification procedure. You will be asked to provide an ID scan to prove your identity and a utility bill to provide address details.

Step 2: Verify your credit card by allowing to make a small transaction from your bank account. Once verified, deposited amount (usually up to $2), would return your funds back.

Step 3: Make a deposit. Below is a snapshot where you specify the amount of XLM you wish to purchase. Simply provide the amount and click “Buy.” You would then need to provide your credit card details and then transfer money from your bank card. Price per coin is fixed until you make the deposit.

Step 4: With money in balance, simply click the “Buy” button again to get XLM coins at the fixed price you got at step 3.

Apart from the verification, traders should also account for credit card fees, which stand at 2.99%. Additionally, verification of the account might last between one to five business days, depending on how busy support department is. For a full review of this bitcoin exchange, read our review.


– XLM trade available

– Services available globally


– Identity verification is required

– Exchange rate somewhat high

Changelly: Buy Stellar XLM with Credit card without ID verification

Changelly Bitcoin Exchange Logo

To buy XLM through Changelly via credit card, you need only a legit credit card and a registered account. The platform does not keep coins within its site but rather sends them to our wallet address directly. Thus, when you purchase XLM, you do not need to worry about hackers busting down exchange’s defenses. Moreover, you also save time as you do not need to transfer cryptos yourself.

Step 1: Register an account and verify the email, as per usual. Then, you will be redirected to the purchase page immediately. As a credit card buyer, you have EUR or USD options to choose from. Provide your Stellar wallet address and the amount of XLM you wish to buy.

Step 2: As a next step, Simplex would guide you over credit card purchase form. Here, provide your card’s details and proceed. Simplex offers secure bank card payments so hackers cannot track down your fiat transfers.

Step 3: As the last step, click “Pay Now” and wait for few minutes until you should check your Stellar wallet’s balance. LM coins should be there within the next few moments.

Changelly offers a private way to purchase Stellar XLM instantly, privately, and easily. However, it does not do it cheaply as well. You pay 5% as a fee for Chnagelly’s credit card purchases and additional 5% for Simplex’s protection. However, you do not provide any personal details other than email, password, and credit card data.


– Does not require verification of identity

– direct XLM transfers to Stellar wallets


– very high credit card fees

Coinbase: Buy Stellar XLM with Credit Card on one on the largest exchanges

Coinbase Bitcoin Exchange Logo

Coinbase is one of the largest crypto exchanges in the world where you can use a credit card to buy Stellar Lumens. The thing about this platform is that its supply is large and purchases safe. However, it does not offer services for everyone, as only 37 countries are available for fiat transfers. Moreover, one needs to verify the account for fiat transactions to occur.

Step 1: Register and verify your account. The process can last for a week and includes several documents, including scanned ID, utility bill, and a selfie of you holding these documents.

Step 2: Deposit fiat funds through a credit card first, which needs verification as well. Coinbase would take a small amount from your bank only to return it as a verification method.

Step 3: Once you have funds, swap the fiat with XLM coin.

Step 4: You can either withdraw Stellar coins out of the exchange or use it in Coinbase Pro platform for trade, as seen below.

Fees stand at 1.49% for USD to XLM swaps while credit cards take an additional 3.99% of the deposited money. For a full review of Coinbase, read our Coinbase review.


– One of the largest exchanges in the world

– Ability to trade on Coinbase Pro with Stellar XLM


– Not a private platform

– Available only in selected countries

Bitpanda: Buy Stellar XLM With Credit Card without fees

Bitpanda Bitcoin Exchange Logo

For European traders that seek instant Stellar purchases, BitPanda offers XLM through a credit card. Although the process is simple, it still requires full verification of an account before the XLM purchase can commence.

Step 1: Register an account at BitPanda and undergo complete identity check processes, as seen in the snapshot below. It will require a scanned copy of your ID or driver’s license and a utility bill. It takes between two business days and a week for the verification to occur.

Step 2: Use credit card to deposit USD, EUR, CHF, or GBP into your account.

Step 3: From the deposit money, purchase XLM coins.

Step 4: Check the balance and withdraw coins if you wish to trade outside of BitPanda.

On the side of expenses, BitPanda charges 1.49% on all crypto transactions, including fiat-crypto swaps. However, it does not take any costs related to the deposits apart from the banks themselves.

Read our full Bitpanda review.


– Multiple fiat currencies available for credit card deposits

– Ability to immediately trade with XLM coins

– No credit card deposit fees


– Verification of your identity is a must

Binance: Fast way to Buy Stellar XLM With Credit Card

Binance Bitcoin Exchange Logo

Not too long ago, it was impossible to get Lumens through Binance with a credit card. Platform offered only crypto-to-crypto exchange services. In 2019 however, it decided to bring in fiats as to expand further into the crypto market. Now, it is possible to purchase numerous digital coins with a  credit card, XLM included.

This is a short step-by-step guide on how to buy with a credit card on Binance. We have written a full article on how to buy Bitcoin with a credit card on Binance.

Step 1: Firstly, register an account and undergo email and phone verification process. For crypto-only transactions, anonymous profile works. Credit card deposits, however, require scanned ID and a selfie of you holding the document.

Step 2: Go to the credit card purchase page and provide details.

Step 3: Along the way, you will be asked to verify your identity with a scanned ID.

Step 4: Confirm all details before you finalize the transaction. Check the balance in a few minutes to see whether the corresponding amount of XLM is there.

Step 5: You can trade at Binance using your newly-acquired XLM coins or withdraw them to your personal wallet address.

What differentiates Binance from other exchanges is that fees are non-existent. Thus, you buy Stellar without paying additional costs apart from what your bank charges.


– Fast way to get XLM and trade them immediately

– there are no transaction fees for fiats at Binance


– Identity verification with documents is mandatory

– Binance stopped supporting US customers

Summary - Buy Stellar XLM with Credit Card

As a summary of credit card Stellar XLM purchase options, we can conclude that bank card owners have several places to choose from. Most require verification of identity but also impose low fees. 

For those seeking privacy, expect to pay a premium price for the feature. Nevertheless, it is now easier than ever to get your hands on XLM. Read more, how to buy Ethereum with credit card.

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