Washington State

Compare fees, payment methods, and features to find the best way to buy Bitcoin in Washington.

Top Pick

River

Best Overall

Fees ~0.3% Free DCA

iOS 4.9

Android 4.8

0-fee recurring buys (DCA)

Bitcoin-only, full-reserve custody

eToro

Best for ETFs

Fees Varies

iOS 4.6

Android 4.6

Buy Bitcoin ETFs like IBIT & FBTC

Popular social trading features

Gemini

Best for Debit Card

Fees ~0.5%

iOS 4.7

Android 4.0

Debit card & PayPal support

Regulated by NY DFS

River Private Client

Best for Large Amounts

Fees Varies

iOS 4.9

Android 4.8

Built for $100k+ purchases

Dedicated relationship manager

River

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

Gemini

US-based exchange regulated by the New York DFS. Features include ACH transfers, PayPal integration, Apple Pay support, & automated purchases.

Uphold

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

eToro

Buy Bitcoin ETFs with 0% fees, or actual BTC with 1% fee. Fund with ACH.

River Private Client

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

Coinbase

Popular and well-known exchange based in the USA. Buy & trade with ACH transfers.

Bitcoin ATMs

Find Bitcoin ATMs near you using our comprehensive map. Buy Bitcoin with cash at locations across the United States.

Fees
Estimated Fees on $100
Regulatory Licenses
Deposit & Withdrawal Fees
Mobile Apps
Exchange snapshots

Exchange Support

Exchange Name	Support for Washington
Uphold	Yes
Gemini	Yes
Fold	Yes
Coinbase	Yes
Crypto.com	Yes
Binance.us	Yes
Kraken	No
Kucoin	No
Luno	No

Frequently Asked Questions

Is Kraken Available in Washington State? +

Is Coinbase Available in Washington State? +

Is Binance Available in Washington State? +

Is KuCoin Available in Washington State? +

Is Crypto.com Available in Washington State? +

Where Should I Mine Bitcoins in Washington State? +

How Do I Withdraw Bitcoin to a Bank Account in Washington State? +

Compare Debit Card Rates in Washington

Check real-time Bitcoin prices then buy with a debit card instantly.

Amount (USD)

Crypto

Frequently Asked Questions

How do I compare offers?

Enter Amount: Enter the USD amount you want to spend.
Select crypto: Choose which cryptocurrency you want to buy.
Compare offers: Click the button to see real-time rates from top exchanges.
Select exchange: Pick the exchange with the best rate for you.

Can I use my card to buy bitcoin at a Bitcoin ATM?

At this time, no. Most Bitcoin ATMs accept cash only. However, you can use your debit card to get cash at a normal ATM, and then use the cash to buy bitcoin at an ATM.

Can I buy bitcoin with a pre-paid debit card?

Most exchanges will not allow you to use a pre-paid debit card.

Why are fees so high when I use a credit card?

Most credit card processors charge 3%, so this is the minimum fee when using a card to buy crypto.

How quickly can I buy bitcoin with my debit card?

Many exchanges offer instant or near-instant verification, allowing you to buy bitcoin within minutes of signing up. Here's what to expect:

Coinbase: Usually minutes, sometimes up to 48 hours if manual review is needed
Gemini: Often instant, can take a few hours
Kraken: Minutes for basic verification, longer for higher limits
eToro: Typically 1–3 business days
Uphold: Usually hours, though times can vary

For fastest results, have a clear photo ID ready and ensure the name on your ID matches your account info exactly.

What If You Bought Bitcoin?

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

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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
River	0.3%	1.0%	1.3%
Uphold	1.5%	0.0%	1.5%
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
River	$1.3
Uphold	$1.5
Gemini	$3.49
Coinbase	$3.99

History of Bitcoin in Washington

Washington state has played a significant role in Bitcoin's development, particularly due to its abundant hydroelectric power and tech-friendly environment. The state was an early adopter of cryptocurrency regulation, with the Department of Financial Institutions (DFI) providing guidance on virtual currency as early as 2014. Washington requires cryptocurrency exchanges to obtain money transmitter licenses and comply with strict consumer protection measures.

The state's tech hub in Seattle has fostered numerous blockchain startups and cryptocurrency initiatives. Washington's low-cost hydroelectric power has also attracted significant Bitcoin mining operations, particularly in areas like Central Washington, though some counties have imposed restrictions due to power consumption concerns.

Financial & Regulatory Licenses

Exchange	Licenses & Regulation
River	Registered MSB with FinCEN in the United States.
Gemini	Licensed by the New York State Department of Financial Services (NYDFS).
Uphold	Registered with FinCEN (US), FCA (UK), FINTRAC (Canada), and FCIS (EU).
eToro	Registered with FinCEN; regulated by the SEC and FINRA in the United States.
River Private Client	Registered MSB with FinCEN 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
River	ACH: $0 Wire: $0
Gemini	ACH: $0 Wire: $0 SEPA: $0 SWIFT: $0
Uphold	ACH: Free Wire: $0 - $20 SEPA: Free FPS: Free
eToro	ACH: $0
River Private Client	ACH: $0 Wire: $0
Coinbase	ACH: Free Wire: $10 USD SEPA: €0.15 EUR SWIFT: Free

View Withdrawal Fees

Withdrawal Fees

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

Exchange	Withdrawal Fees
River	ACH: $0 Wire: $0
Gemini	ACH: $0 Wire: $25 USD SEPA: $0
Uphold	ACH: Free Wire: $0 - $20 SEPA: Free FPS: Free
eToro	ACH: $0
River Private Client	ACH: $0 Wire: $0
Coinbase	ACH: Free Wire: $25 USD SEPA: Free SWIFT: £1 GBP

View Bitcoin Deposit & Withdrawal Fees

Exchange	BTC Deposit Fees	BTC Withdrawal Fees
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.
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.
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.
eToro
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.
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.

Bitcoin Scams in Washington

Washington state has been proactive in addressing cryptocurrency fraud. The DFI has investigated numerous crypto-related scams, with reported losses totaling millions of dollars. In 2021, a notable case involved a Seattle-based crypto investment platform that allegedly defrauded investors of over $6 million through a sophisticated trading scheme.

The Washington State Department of Financial Institutions actively monitors crypto activities and has issued multiple warnings about unauthorized platforms and investment schemes. Washington residents are advised to verify that any crypto investment opportunity is properly registered with the DFI and to be particularly cautious of mining investment programs and high-yield trading schemes.

Mobile App Support

Exchange	iOS AppiOS	Android AppAndroid
River
Gemini
Uphold
eToro
River Private Client
Coinbase
Bitcoin ATMs

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.
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.
River Private Client	3.3% Earn 3.3% interest on FDIC-insured cash, paid out in Bitcoin. No fees or minimums. Withdraw 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.