5 New York Crypto Exchanges to Buy Bitcoin
Compare fees, payment methods, and features to find the best way to buy Bitcoin in New York.
Gemini
US-based exchange regulated by the New York DFS. Features include ACH transfers, PayPal integration, Apple Pay support, & automated purchases.
eToro
Buy Bitcoin ETFs with 0% fees, or actual BTC with 1% fee. Fund with ACH.
Coinbase
Largest US exchange, holds a NY BitLicense. Buy Bitcoin with ACH, debit card, PayPal, Apple Pay, or wire transfer. Publicly traded on the NASDAQ.
Bitcoin ATMs
Buy Bitcoin with cash — no bank account needed. Find ATM locations in New York City, Buffalo, and across New York.
Table of Contents
Exchange Support
| Exchange Name | Support for New York |
|---|---|
| Gemini | Yes |
| Coinbase | Yes |
| eToro | Yes |
| Robinhood | Yes |
| Kucoin | No |
| Binance | No |
| Fold | No |
| Crypto.com | No |
| Voyager | No |
| Webull | No |
| Kraken | No |
| Bittrex | No |
| Bybit | No |
Frequently Asked Questions
Compare Debit Card Rates in New York
Check real-time Bitcoin prices then buy with a debit card instantly.
Frequently Asked Questions
How do I compare offers?
Can I use my card to buy bitcoin at a Bitcoin ATM?
Can I buy bitcoin with a pre-paid debit card?
Why are fees so high when I use a credit card?
How quickly can I buy bitcoin with my debit card?
What If You Bought Bitcoin?
See how much you would have made if you bought Bitcoin in the past.
Transaction Fees
A look at the transaction fees for each exchange, both spread and commission.
- Spread fee: Exchanges may charge a higher price than the actual price of Bitcoin.
- Fee: Exchange fee for the transaction.
- Total fees: The sum of the spread fee and the fee.
| Exchange | Spread Fee | Fee | Total Fees |
|---|---|---|---|
| Gemini |
0.5% | 2.99% | 3.49% |
| Coinbase |
1.0% | 2.99% | 3.99% |
Actual fees may vary. Fees are subject to change. Fee estimates based on our research and testing. Some exchanges may charge less depending on volume.
Estimated Fees on $100
An estimate of the fees for buying $100 worth of Bitcoin using a bank account.
| Exchange | Total Cost on $100 |
|---|---|
| Gemini |
$3.49 |
| Coinbase |
$3.99 |
History of Bitcoin in New York
New York has been at the forefront of Bitcoin regulation in the United States. In 2015, the state introduced the BitLicense through the New York Department of Financial Services (NYDFS), becoming the first state to create a comprehensive regulatory framework for Bitcoin businesses. While controversial, this framework has provided clear guidelines for Bitcoin companies operating in New York.
New York City has emerged as a major Bitcoin hub, with numerous Bitcoin companies establishing headquarters in Manhattan. The state has also been home to significant Bitcoin developments, including the launch of regulated Bitcoin futures trading on the New York Stock Exchange in 2018.
Financial & Regulatory Licenses
| Exchange | Licenses & Regulation |
|---|---|
| Gemini |
Licensed by the New York State Department of Financial Services (NYDFS). |
| eToro |
Registered with FinCEN; regulated by the SEC and FINRA in the United States. |
| Coinbase |
Chartered by the New York State Department of Financial Services (NYDFS) for virtual currency. |
| Bitcoin ATMs |
Regulations vary by jurisdiction; check with individual ATM operators for their regulatory status. |
Deposit Fees
These are fees exchanges may charge for deposits. Fees are subject to change.
| Exchange | Deposit Fees |
|---|---|
| Gemini |
ACH: $0 Wire: $0 SEPA: $0 SWIFT: $0 |
| eToro |
ACH: $0 |
| Coinbase |
ACH: Free Wire: $10 USD SEPA: €0.15 EUR SWIFT: Free |
Bitcoin Scams in New York
New York has seen several major Bitcoin fraud cases. In 2019, the Manhattan-based Centra Tech, co-founded by Sam Sharma, raised $32 million through a fraudulent Bitcoin investment scheme. The company falsely claimed partnerships with Visa, Mastercard, and Bancorp, and fabricated executive team members to lure investors.
The New York Attorney General's office actively investigates Bitcoin fraud and has taken aggressive action against unauthorized platforms. In 2021, the office reached a $18.5 million settlement with Tether and Bitfinex over allegations of Bitcoin market manipulation. New York residents are strongly advised to work only with BitLicensed entities and to verify all Bitcoin investment opportunities with the NYDFS.
Mobile App Support
| Exchange | iOS AppiOS | Android AppAndroid |
|---|---|---|
Earn Interest & Rewards
The following table shows interest rates offered by exchanges.
| Exchange | Interest Rate & Details |
|---|---|
| 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
Gemini
| Minimum Deposit | $1 |
| iOS app score |
4.7
Official rating from the iOS App Store as of June 14, 2026.
|
| Android app score |
4.0
Official rating from the Android Play Store as of June 14, 2026.
|
| Deposit Methods | ACH, Bank Account, Wire Transfer, PayPal, Apple Pay, Google Pay |
eToro
| Minimum Deposit | $1 |
| Deposit Methods | ACH, Bank Account, PayPal |
Coinbase
| Minimum Deposit | $1 |
| iOS app score |
4.7
Official rating from the iOS App Store as of June 14, 2026.
|
| Android app score |
4.4
Official rating from the Android Play Store as of June 14, 2026.
|
| Deposit Methods | ACH, Wire Transfer, Debit Card, Bank Account, PayPal, Apple Pay, iDEAL, SEPA, Interac e-Transfer, Google Pay |
Bitcoin ATMs
| Minimum Deposit | Each ATM will have a different minimum deposit amount. Typically $20-$50 minimum. |
| Deposit Methods | Cash |