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Buying crypto with a bank card: what 17 exchanges charge

Buying crypto with a bank card is not the same as spending crypto with one, and it is priced separately. Of the 17 exchanges here that also issue a card, 10 publish what the card purchase costs; the rest show it only at checkout. Figures verified 6 Sep 2026.

Built from the dataset on 6 Sep 202617 exchanges

What each exchange charges

ExchangeCard purchase feeMinimum feeCredit cardsAccepted
Crypto.comCrypto.com Prepaid Visa Card (US)1.0%—Accepts credit cards—
BybitBybit Cardfrom 1.1%—Accepts credit cardsVisa, Mastercard, Apple Pay, Google Pay
CoinSpotCoinSpot Mastercard1.22%—Not statedVisa, Mastercard
WhiteBITWhiteBIT Nova Cardfrom 1.5%—Not statedVisa, Mastercard, Apple Pay
Bit2MeBit2Me Card1.99%—Not stated—
NexoNexo Cardfrom 1.99%$0.99Accepts credit cardsVisa, Mastercard, Apple Pay, Google Pay
OKXOKX Card (EEA)from 1.99%—Accepts credit cardsVisa, Mastercard
CoinJarCoinJar Card2.0%—Not statedVisa, Mastercard, Apple Pay, Google Pay
MEXCMEXC Global Cardfrom 2.0%—Accepts credit cardsVisa, Mastercard
Crypto.comCrypto.com Visa Card3.99%—Not statedVisa, Mastercard, Apple Pay, Google Pay
BitpandaBitpanda CardShown at checkout only—Not stated—
CoinbaseCoinbase CardShown at checkout only—Not stated—
CoinbaseCoinbase One CardShown at checkout only—Not stated—
GateGate CardShown at checkout only—Not statedVisa, Mastercard
GeminiGemini Credit CardShown at checkout only—Debit cards onlyVisa, Mastercard, Apple Pay, Google Pay
KrakenKrak CardShown at checkout only—Not statedVisa, Mastercard, Apple Pay, Google Pay
KuCoinKuCardShown at checkout only—Accepts credit cardsVisa, Mastercard

Why some cells are empty

7 of these exchanges route card payments through a third party (Banxa, MoonPay, Simplex) or price the purchase inside the exchange rate. They publish no percentage, so this table shows none. An empty cell means «not published», never «free».

Debit card or credit card: not the same transaction

Some exchanges take only debit. Of the 17 here, 1 declines credit cards outright and 6 accept both; the rest publish no answer. Where credit is accepted, the card issuer may still treat the purchase as a cash advance and price it separately — that charge comes from the bank, not from the exchange, and is not in the table above.

Questions this table answers

Can you buy crypto with a credit card?

Sometimes. 6 of the 17 exchanges here say they accept credit cards and 1 says it takes debit only. Acceptance is set by the exchange, and your own bank can still decline or reprice the payment.

How much does it cost?

10 of the 17 publish a rate in advance; the median of those is 1.99%. The others show the figure only at checkout, so the honest answer is that you see it before you confirm, not before you start.

Is buying with a card cheaper than a bank transfer?

Almost never. A card purchase carries the fee above; a transfer usually does not. The card buys speed.

This is not the card fee

The fee above is charged once, when you buy crypto with your bank card. What the crypto card itself costs you when you spend — conversion, ATM, annual — is a different set of figures entirely.

The cards these exchanges issue

Built from the dataset on 6 Sep 2026. It changes when the figures change.Back to top ↑
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Ranked by net value at your spend and stake. Fees we could not verify are shown as undisclosed, never as zero.

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