Bank Account

Exchanges and companies that allow you acquire bitcoin with bank account or transfer.

Use the countries filter to find exchanges that support your country.

Bitbuy

Fast, secure Canadian exchange with high limits and BTC insurance.

Bitpanda

Bitpanda allows users to deposit funds via bank account using SEPA, GiroPay, SOFORT, EPS, and more.

River

Popular & well-known exchange based in the USA. Buy & trade with wire & ACH. 0% fees for recurring buys.

Gemini

Gemini allows users to deposit funds via bank account using ACH transfers (4-5 business days), wire transfers (1-3 business days), and bank transfers for EUR/GBP (1-3 business days). ACH deposits are available instantly for trading at Gemini's discretion.

Unchained

US-based Bitcoin-only financial services company. Offers Bitcoin trading desk. Supports wire transfers with 1% fees.

Uphold

Popular exchange based in the USA with support for multiple payment methods.

Fidelity Crypto

Trade crypto alongside stocks & ETFs with a trusted financial institution. Crypto IRAs available.

Kraken

Kraken supports bank deposits via ACH, SEPA, wire transfers (Fedwire/SWIFT), Etana Custody, FPS/CHAPS/BACS (UK), SIC (Switzerland), and PayID/Osko (Australia). Processing times range from instant to 5 business days.

River Private Client

Personalized Bitcoin service for investments of $100k+. Dedicated relationship manager, priority support, and high transaction limits.

Coinbase

Coinbase allows users to deposit funds via bank account using ACH, wire, SWIFT, and SEPA transfers.

Kraken Pro

Kraken Pro is a powerful advanced trading platform from Kraken. Extremely low fees.

Coinbase Advanced

Coinbase's Advanced Exchange. Best for lower fees than Coinbase Simple and for more advanced order types.

Swan Bitcoin

Swan is a US-based Bitcoin-only exchange focused on making Bitcoin investing safe & simple.

MyBTC - Canada

A Canadian Bitcoin exchange offering various payment methods including Interac e-Transfer and bank transfers.

CoinJar

CoinJar has been operating since 2013, as it's one of the first Bitcoin exchanges in Australia.

Independent Reserve

Established in 2013, Independent Reserve is one of the most trusted exchanges in Australia & New Zealand. You can buy Bitcoin using EFT, Osko/PayID, POLi and SWIFT.

Bitcoin.com.au

Trusted by over 300,000 Australians, bitcoin.com.au is one of the easiest way to buy Bitcoin and popular cryptocurrencies using your browser, Android or iOS app.

Bits of Gold

Israel's largest cryptocurrency broker since 2013, offering secure and regulated crypto services with excellent customer support.

MoonPay

Simple app to buy Bitcoin with your bank or debit card. Works in most countries but has very high fees.

Bit2C

Israel's first and longest-running cryptocurrency exchange, offering advanced trading features and institutional-grade security since 2013.

bitFlyer

Japan's largest Bitcoin exchange, operating since 2014. Regulated by Japan's Financial Services Agency with zero hacking incidents since launch.

Kiwi-Coin

New Zealand-based Bitcoin exchange founded by local enthusiasts with years of experience in the ecosystem. Operating since 2013, it is the longest-running Bitcoin exchange in the country and is a registered New Zealand Financial Service Provider.

Rain

Licensed and trusted crypto exchange in the Middle East with customers worldwide. Licensed by the Central Bank of Bahrain (CBB). Coinbase has invested in Rain.

Frequently Asked Questions

Are bank transfers the cheapest way to buy bitcoin? +

How long do bank deposits take? +

Can I buy with my routing and account number? +

What If You Bought Bitcoin?

See how much you would have made if you bought Bitcoin in the past.

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Financial & Regulatory Licenses

Exchange	Licenses & Regulation
Bitbuy	Registered with the Ontario Securities Commission (OSC) and FINTRAC.
Bitpanda	Registered VASP in Austria, France, Spain, Italy, Czech Republic, Sweden and Norway. Licensed by BaFin in Germany for crypto custody and trading.
River	Registered MSB with FinCEN.
Gemini	New York State Department of Financial Services (NYDFS).
Unchained	NMLS ID 1900773. Loans originated through Lead Bank (FDIC member).
Uphold	FinCEN (USA), FCA (UK), FINTRAC (Canada), FCIS (EU)
Fidelity Crypto	Fidelity Digital Assets is a national trust bank.
Kraken	Registered money services business with FinCEN (USA).
River Private Client	Registered MSB with FinCEN.
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).
Coinbase Advanced	Chartered by New York State Department of Financial Services for virtual currency.
Swan Bitcoin	Swan connects users to licensed custodians Bakkt, BitGo, and Equity Trust, ensuring compliance with state laws. Bakkt is BitLicensed and FinCEN registered; BitGo and Equity Trust operate under their own regulations.
CoinJar	Registered Digital Currency Exchange (DCE) in Australia with AUSTRAC.
Independent Reserve	Registered Digital Currency Exchange (DCE) in Australia with AUSTRAC.
Bitcoin.com.au	Registered Digital Currency Exchange (DCE) in Australia with AUSTRAC.
Bits of Gold	Permanent Financial Services Provider license from Capital Market Authority (License 56716).
MoonPay	Regulated globally - UK (FCA FRN 944746), Ireland (CBI C460974), Italy (OAM PSV18), USA (FinCEN 31000263068011), Canada (FINTRAC M24701825), Australia (AUSTRAC DCE100858195-001) and licensed in 40+ US states
Bit2C	Financial Asset Service Provider License (#67870) from Israel Capital Markets Authority
bitFlyer	Director-General of the Kanto Finance Bureau No. 00003, Financial Instruments Business Kanto Local Finance Bureau (FIBO) No. 3294, Member of the Japan Virtual and Crypto assets Exchange Association
Kiwi-Coin	Registered New Zealand Financial Service Provider (FSP)
Rain	Licensed by the Central Bank of Bahrain (CBB).

Deposit Fees

These are fees exchanges may charge for deposits. Fees are subject to change.

Exchange	Deposit Fees
Bit2C
Bitbuy	Wire: Free Interac: Free
bitFlyer
Bitpanda	SEPA: Free
Bits of Gold
Coinbase Advanced	ACH: Free Wire: $10 USD SEPA: €0.15 EUR SWIFT: Free
Coinbase	ACH: Free Wire: $10 USD SEPA: €0.15 EUR SWIFT: Free
Fidelity Crypto	ACH: Free Wire: Free
Gemini	ACH: $0 Wire: $0 SEPA: $0 SWIFT: $0
Kraken	ACH: $0 Wire: $0 SEPA: $0 SWIFT: $3
MoonPay	PayPal: 4.5%
MyBTC - Canada	Wire: 4.75% Interac: 7.75% BTC: 9.75% ($5 minimum)
Rain	Wire: $0
River Private Client	ACH: $0 Wire: $0
River	ACH: $0 Wire: $0
Uphold	ACH: Free Wire: $0 - $20 SEPA: Free FPS: Free

View Withdrawal Fees

Withdrawal Fees

These are fees exchanges may charge for withdrawals. Fees are subject to change.

Exchange	Withdrawal Fees
Bit2C
Bitbuy	Wire: 1.5% Interac: Free Bank Deposit: 1.5%
bitFlyer
Bitpanda	SEPA: Free
Bits of Gold
Coinbase Advanced	ACH: Free Wire: $25 USD SEPA: Free SWIFT: £1 GBP
Coinbase	ACH: Free Wire: $25 USD SEPA: Free SWIFT: £1 GBP
Fidelity Crypto	ACH: Free Wire: Free
Gemini	ACH: $0 Wire: $25 USD SEPA: $0
Kraken	ACH: $0 Wire: $25 USD SEPA: $0 SWIFT: $25
MoonPay
MyBTC - Canada	Wire: $10 CAD Interac: $5 CAD Bank Deposit: $10 CAD
Rain	Wire: $0
River Private Client	ACH: $0 Wire: $0
River	ACH: $0 Wire: $0
Uphold	ACH: Free Wire: $0 - $20 SEPA: Free FPS: Free

View Bitcoin Deposit & Withdrawal Fees

Exchange	BTC Deposit Fees	BTC Withdrawal Fees
Bit2C		VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
Bitbuy	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	0.0005 BTC
bitFlyer
Bitpanda	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
Bits of Gold		VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
Coinbase Advanced	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
Coinbase	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
Fidelity Crypto	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
Gemini	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
Kraken	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
MoonPay		Network fees apply
MyBTC - Canada	4.95%	0 - $10 CAD
Rain	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
River Private Client	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
River	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
Uphold	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.

Bitbuy snapshot
Minimum Deposit	$1
iOS app score	4.5 Official rating from the iOS App Store as of November 18, 2024.
Android app score	4.5 Official rating from the Android Play Store as of November 18, 2024.
Deposit Methods	Interac e-Transfer, Bank Account, Credit Card, Debit Card

Bitpanda snapshot
Minimum Deposit	$1
iOS app score	4.7 Official rating from the iOS App Store as of November 18, 2024.
Android app score	3.5 Official rating from the Android Play Store as of November 18, 2024.
Deposit Methods	iDEAL, SEPA, Bank Account, Credit Card, Debit Card, giropay, EPS, SOFORT, Skrill, NETELLER, Google Pay

River snapshot
Minimum Deposit	$1
iOS app score	4.9 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, Wire Transfer
Review	Read our review

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

Unchained snapshot
Minimum Deposit	$2,000
iOS app score	4.8 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	Wire Transfer, Bank Account
Review	Read our review

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

Fidelity Crypto snapshot
Minimum Deposit	$1
iOS app score	4.8 Official rating from the iOS App Store as of November 18, 2024.
Android app score	4.5 Official rating from the Android Play Store as of November 18, 2024.
Deposit Methods	ACH, Bank Account, Wire Transfer
Review	Read our review

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

River Private Client snapshot
Minimum Deposit	$1
Deposit Methods	ACH, Wire Transfer, Bank Account

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, Google Pay

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

Coinbase Advanced 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

Swan Bitcoin snapshot
Minimum Deposit	$1
iOS app score	4.8 Official rating from the iOS App Store as of November 18, 2024.
Android app score	4.3 Official rating from the Android Play Store as of November 18, 2024.
Deposit Methods	ACH, Bank Account, Wire Transfer

MyBTC - Canada snapshot
Minimum Deposit	$1
iOS app score	5.0 Official rating from the iOS App Store as of November 18, 2024.
Deposit Methods	Interac e-Transfer, Flexepin, Wire Transfer, Bank Account, SWIFT

CoinJar snapshot
Minimum Deposit	$1
iOS app score	4.7 Official rating from the iOS App Store as of November 18, 2024.
Android app score	3.5 Official rating from the Android Play Store as of November 18, 2024.
Deposit Methods	Bank Account, Debit Card, Credit Card, NPP, Osko, PayID

Independent Reserve snapshot
Minimum Deposit	$1
iOS app score	4.7 Official rating from the iOS App Store as of November 18, 2024.
Android app score	4.7 Official rating from the Android Play Store as of November 18, 2024.
Deposit Methods	Debit Card, Bank Account, Credit Card, EFT, Osko, PayID, POLi, SWIFT

Bitcoin.com.au snapshot
Minimum Deposit	$1
iOS app score	4.6 Official rating from the iOS App Store as of November 18, 2024.
Android app score	4.6 Official rating from the Android Play Store as of November 18, 2024.
Deposit Methods	Debit Card, Bank Account, Wire Transfer, Credit Card, PayID, EFT

Bits of Gold snapshot
Minimum Deposit	$1
Deposit Methods	Bank Account, Credit Card, Debit Card

MoonPay snapshot
Minimum Deposit	$1
iOS app score	4.2 Official rating from the iOS App Store as of November 18, 2024.
Android app score	4.0 Official rating from the Android Play Store as of November 18, 2024.
Deposit Methods	Bank Account, Credit Card, Debit Card, Apple Pay, Google Pay, PayPal

Bit2C snapshot
Minimum Deposit	$1
Deposit Methods	Bank Account, Credit Card, Debit Card

Bank Account

Bitbuy

Bitpanda

River

Gemini

Unchained

Uphold

Fidelity Crypto

Kraken

River Private Client

Coinbase

Kraken Pro

Coinbase Advanced

Swan Bitcoin

MyBTC - Canada

CoinJar

Independent Reserve

Bitcoin.com.au

Bits of Gold

MoonPay

Bit2C

bitFlyer

Kiwi-Coin

Rain

Frequently Asked Questions

Are bank transfers the cheapest way to buy bitcoin? +

How long do bank deposits take? +

Can I buy with my routing and account number? +

What If You Bought Bitcoin?

Financial & Regulatory Licenses

Deposit Fees

Withdrawal Fees

Exchange snapshots

Bitbuy

Bitpanda

River

Gemini

Unchained

Uphold

Fidelity Crypto

Kraken

River Private Client

Coinbase

Kraken Pro

Coinbase Advanced

Swan Bitcoin

MyBTC - Canada

CoinJar

Independent Reserve

Bitcoin.com.au

Bits of Gold

MoonPay

Bit2C

bitFlyer

Kiwi-Coin

Rain

bitFlyer snapshot
Minimum Deposit	$1
Deposit Methods	Bank Account

Kiwi-Coin snapshot
Minimum Deposit	$1
Deposit Methods	Bank Account, POLi

Rain snapshot
Minimum Deposit	$1
iOS app score	4.6 Official rating from the iOS App Store as of November 18, 2024.
Android app score	3.0 Official rating from the Android Play Store as of November 18, 2024.
Deposit Methods	Bank Account, BenefitPay, SWIFT, Wire Transfer, Fawri
Review	Read our review