Buy Bitcoin with ACH (Instant)
U.S. exchanges that allow you acquire bitcoin with ACH transfers.
River
Buy, sell and auto-buy Bitcoin with ACH with low fees.
Robinhood
Popular and well-known exchange based in the USA. Buy & trade with ACH transfers. Also offers ETFs like IBIT & FBTC.
Gemini
Popular and well-known exchange based in the USA. Buy & trade with ACH transfers.
Uphold
Buy crypto easily with ACH transfers from your US bank account.
Kraken
Powerful U.S. exchange to buy and trade crypto. Deposit with ACH.
Coinbase
Popular and well-known exchange based in the USA. Buy & trade with ACH transfers.
Kraken Pro
Kraken Pro is a powerful advanced trading platform from Kraken. Extremely low fees.
Table of Contents
If I Bought Bitcoin
See how much you would have made if you bought Bitcoin in the past.
Financial & Regulatory Licenses
| Exchange | Licenses & Regulation |
|---|---|
| River |
Registered MSB with FinCEN. |
| Robinhood |
FinCEN as a money services business. U.S. SEC as a broker-dealer. |
| Gemini |
New York State Department of Financial Services (NYDFS). |
| Uphold |
FinCEN (USA), FCA (UK), FINTRAC (Canada), FCIS (EU) |
| Kraken |
Registered money services business with FinCEN (USA). |
| Coinbase |
Chartered by New York State Department of Financial Services for virtual currency. |
| Kraken Pro |
Globally regulated. Registered with FinCEN (USA), FCA (UK), AUSTRAC (AU), CySEC (EU), FSRA (UAE), OSC (Canada), Central Bank of Ireland, DNB (Netherlands), and BaFin (Germany). |
Deposit Fees
These are fees exchanges may charge for deposits. Fees are subject to change.
| Exchange | Deposit Fees |
|---|---|
| Coinbase |
ACH: Free Wire: $10 USD SEPA: €0.15 EUR SWIFT: Free |
| Gemini |
ACH: $0 Wire: $0 SEPA: $0 SWIFT: $0 |
| Kraken |
ACH: $0 Wire: $0 SEPA: $0 SWIFT: $3 |
| River |
ACH: $0 Wire: $0 |
| Robinhood |
ACH: $0 SWIFT: $0 |
| Uphold |
ACH: Free Wire: $0 - $20 SEPA: Free FPS: Free |
Mobile App Support
| Exchange | iOS App | Android App |
|---|---|---|
| River |
||
| Robinhood |
||
| Gemini |
||
| Uphold |
||
| Kraken |
||
| Coinbase |
||
| Kraken Pro |
Earn Interest & Rewards
The following table shows interest rates offered by exchanges.
| Exchange | Interest Rate & Details |
|---|---|
| River |
3.8%
Earn 3.8% interest on FDIC-insured cash, paid out in Bitcoin. No fees or minimums. Withdraws allowed anytime.
|
| Uphold |
2 - 4.65%
Earn up to 4.65% APY on USD balances of $1,000 or more, or 2% APY on balances below $1,000 in Uphold's USD Interest Account.
|
| Kraken |
0.15% - 6.5%
Available for BTC (0.15% bonded/0.1% flexible), USDT/USD/USDC (6.5% bonded/4.5% flexible), and EUR (4.45% bonded/3.5% flexible).
|
| Coinbase |
4.70%
Earn 4.70% APY rewards by holding USDC on Coinbase. USDC is fully backed 1:1 by US dollars. Minimum $1.
|
Exchange snapshots
River
Visit Exchange
| River snapshot | |
| Minimum Deposit | $1 |
| iOS app score |
4.8
Official rating from the iOS App Store as of November 18, 2024.
|
| Android app score |
4.9
Official rating from the Android Play Store as of November 18, 2024.
|
| Deposit Methods | ACH, Bank Account, Wire Transfer |
| Review | Read our review |
Robinhood
Visit Exchange
| Robinhood snapshot | |
| Minimum Deposit | $1 |
| iOS app score |
4.2
Official rating from the iOS App Store as of November 18, 2024.
|
| Android app score |
4.2
Official rating from the Android Play Store as of November 18, 2024.
|
| Deposit Methods | ACH, Debit Card, Bank Account, Wire Transfer |
Gemini
Visit Exchange
| Gemini snapshot | |
| Minimum Deposit | $1 |
| iOS app score |
4.8
Official rating from the iOS App Store as of November 18, 2024.
|
| Android app score |
4.2
Official rating from the Android Play Store as of November 18, 2024.
|
| Deposit Methods | ACH, Bank Account, Wire Transfer, PayPal, Apple Pay, Google Pay |
Uphold
Visit Exchange
| Uphold snapshot | |
| Minimum Deposit | $1 |
| iOS app score |
4.6
Official rating from the iOS App Store as of November 18, 2024.
|
| Android app score |
4.7
Official rating from the Android Play Store as of November 18, 2024.
|
| Deposit Methods | ACH, Bank Account, Apple Pay, Google Pay, Credit Card, Debit Card, SEPA, Interac e-Transfer |
Kraken
Visit Exchange
| Kraken snapshot | |
| Minimum Deposit | $1 |
| iOS app score |
4.7
Official rating from the iOS App Store as of November 18, 2024.
|
| Android app score |
4.3
Official rating from the Android Play Store as of November 18, 2024.
|
| Deposit Methods | ACH, Bank Account, Apple Pay, Google Pay, SEPA, Interac e-Transfer, Debit Card, PayPal |
Coinbase
Visit Exchange
| Coinbase snapshot | |
| Minimum Deposit | $1 |
| iOS app score |
4.7
Official rating from the iOS App Store as of November 18, 2024.
|
| Android app score |
4.6
Official rating from the Android Play Store as of November 18, 2024.
|
| Deposit Methods | ACH, Wire Transfer, Debit Card, Bank Account, PayPal, Apple Pay, iDEAL, SEPA, Interac e-Transfer, Instant Verification, Google Pay |
Kraken Pro
Visit Exchange
| Kraken Pro snapshot | |
| Minimum Deposit | $1 |
| iOS app score |
4.7
Official rating from the iOS App Store as of November 18, 2024.
|
| Android app score |
4.6
Official rating from the Android Play Store as of November 18, 2024.
|
| Deposit Methods | ACH, Bank Account, Apple Pay, Google Pay, SEPA, Interac e-Transfer, Debit Card, PayPal |