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.
Coinbase
Popular and well-known exchange based in the USA. Buy & trade with ACH transfers.
Kraken
Powerful U.S. exchange to buy and trade crypto. Deposit with ACH.
Kraken Pro
Kraken Pro is a powerful advanced trading platform from Kraken. Extremely low fees.
Robinhood
Popular and well-known exchange based in the USA. Buy & trade with ACH transfers. Also offers ETFs like IBIT & FBTC.
Uphold
Buy crypto easily with ACH transfers from your US bank account.
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. |
| Coinbase |
Chartered by New York State Department of Financial Services for virtual currency. |
| Kraken |
Registered money services business with FinCEN (USA). |
| 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). |
| Robinhood |
FinCEN as a money services business. U.S. SEC as a broker-dealer. |
| Uphold |
FinCEN (USA), FCA (UK), FINTRAC (Canada), FCIS (EU) |
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 |
| 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 |
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| Coinbase |
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| Kraken |
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| Kraken Pro |
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| Robinhood |
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| Uphold |
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.
|
| Coinbase |
4.70%
Earn 4.70% APY rewards by holding USDC on Coinbase. USDC is fully backed 1:1 by US dollars. Minimum $1.
|
| 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).
|
| 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.
|
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 |
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
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 |
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 |
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 |
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 |