Pennsylvania
Compare fees, payment methods, and features to find the best way to buy Bitcoin in Pennsylvania.
River
Bitcoin-only exchange with 0% fees on recurring buys. PA residents can buy via ACH or wire. Earn interest on cash balances, paid in BTC.
eToro
Buy Bitcoin ETFs with 0% fees, or actual BTC with 1% fee. Fund with ACH.
Kraken
Operating since 2011 with some of the lowest fees in the industry. Deposit with ACH, wire transfer, or Apple Pay.
River Private Client
For Bitcoin investments of $100k+. Dedicated advisor, tax optimization guidance, and performance tracking.
Kraken Pro
Kraken's advanced trading interface with some of the lowest fees in crypto. Built for active traders.
Bitcoin ATMs
Buy Bitcoin with cash — no bank account needed. Find ATM locations in Philadelphia, Pittsburgh, and across Pennsylvania.
Table of Contents
Exchange Support
| Exchange Name | Support for Pennsylvania |
|---|---|
| River | Yes |
| Uphold | Yes |
| Gemini | Yes |
| Kraken | Yes |
| Fold | Yes |
| Coinbase | Yes |
| Crypto.com | Yes |
| Binance.us | Yes |
| eToro | Yes |
| Kucoin | No |
| Luno | No |
Frequently Asked Questions
Compare Debit Card Rates in Pennsylvania
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 |
|---|---|---|---|
| Kraken Pro |
0.0% | 0.4% | 0.4% |
| Kraken |
0.0% | 0.4% | 0.4% |
| River |
0.3% | 1.0% | 1.3% |
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 |
|---|---|
| Kraken Pro |
$0.4 |
| Kraken |
$0.4 |
| River |
$1.3 |
History of Bitcoin in Pennsylvania
Pennsylvania has emerged as a significant player in the cryptocurrency space, particularly in its major urban centers of Philadelphia and Pittsburgh. The state's approach to Bitcoin regulation has been guided by the Pennsylvania Money Transmitter Act and Department of Banking and Securities guidance issued in 2019, which clarified that crypto exchanges don't need money transmission licenses for virtual currency-only transactions.
The state has fostered blockchain innovation, with Pittsburgh's Carnegie Mellon University becoming a leading center for cryptocurrency research and development. Philadelphia has developed a thriving crypto ecosystem, hosting numerous blockchain startups and the annual Blockchain Conference Philadelphia.
Financial & Regulatory Licenses
| Exchange | Licenses & Regulation |
|---|---|
| River |
Registered MSB with FinCEN in the United States. |
| eToro |
Registered with FinCEN; regulated by the SEC and FINRA in the United States. |
| Kraken |
Registered MSB with FinCEN in the United States. |
| River Private Client |
Registered MSB with FinCEN in the United States. |
| Kraken Pro |
Registered with FinCEN (US), FCA (UK), AUSTRAC (Australia), CySEC (EU), FSRA (UAE), OSC (Canada), the Central Bank of Ireland, DNB (Netherlands), and BaFin (Germany). |
| 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 |
|---|---|
| River |
ACH: $0 Wire: $0 |
| eToro |
ACH: $0 |
| Kraken |
ACH: $0 Wire: $0 SEPA: $0 SWIFT: $3 |
| River Private Client |
ACH: $0 Wire: $0 |
Bitcoin Scams in Pennsylvania
Pennsylvania has seen its share of cryptocurrency-related fraud cases. In 2021, the Pennsylvania Department of Banking and Securities reported a surge in crypto investment scams, with losses exceeding $7.5 million. A notable case involved the Philadelphia-based BitConnect promoter Michael Noble, who was charged with participating in a $2 billion global cryptocurrency scheme.
The state's Attorney General's office has been proactive in warning residents about common crypto scams, including fake investment platforms and romance scams involving cryptocurrency. Pennsylvania investors are advised to verify any crypto investment opportunity with the Department of Banking and Securities and to be particularly wary of unsolicited investment offers promising guaranteed returns.
Mobile App Support
| Exchange | iOS AppiOS | Android AppAndroid |
|---|---|---|
Earn Interest & Rewards
The following table shows interest rates offered by exchanges.
| Exchange | Interest Rate & Details |
|---|---|
| River |
3.3%
Earn 3.3% interest on FDIC-insured cash, paid out in Bitcoin. No fees or minimums. Withdraws allowed anytime.
|
| 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).
|
| River Private Client |
3.3%
Earn 3.3% interest on FDIC-insured cash, paid out in Bitcoin. No fees or minimums. Withdraw anytime.
|
Exchange snapshots
River
| Minimum Deposit | $1 |
| iOS app score |
4.9
Official rating from the iOS App Store as of June 14, 2026.
|
| Android app score |
4.8
Official rating from the Android Play Store as of June 14, 2026.
|
| Deposit Methods | ACH, Bank Account, Wire Transfer |
| Review | Read our review |
eToro
| Minimum Deposit | $1 |
| Deposit Methods | ACH, Bank Account, PayPal |
Kraken
| 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, Bank Account, Apple Pay, Google Pay, SEPA, Interac e-Transfer, Debit Card, PayPal |
River Private Client
| Minimum Deposit | $1 |
| Deposit Methods | ACH, Wire Transfer, Bank Account |
Kraken Pro
| Minimum Deposit | $1 |
| iOS app score |
4.7
Official rating from the iOS App Store as of June 14, 2026.
|
| Android app score |
4.6
Official rating from the Android Play Store as of June 14, 2026.
|
| Deposit Methods | ACH, Bank Account, Apple Pay, Google Pay, SEPA, Interac e-Transfer, Debit Card, PayPal |
Bitcoin ATMs
| Minimum Deposit | Each ATM will have a different minimum deposit amount. Typically $20-$50 minimum. |
| Deposit Methods | Cash |