Payment methods

How to Buy Crypto with a Bank Transfer

54 of the 80 exchanges we track accept Bank Transfer deposits, ranked by CWR Score. The list below is checked against your country.

On this page

Every exchange that accepts Bank Transfer, checked for your country

Bank Transfer deposits: availability shown for your country

Every exchange below lists Bank Transfer among its deposit methods in the CryptoWinRate database. The list checks each venue's restricted-country list against your location. Change it if we got it wrong.

Top pick for Bank Transfer
1

Kraken

Spot fees (maker/taker)0.4% / 0.8%
Assets679
Max leverage50×
KYCRequired
  • User-friendly interface, suitable for beginners
  • It offers crypto, NFTs, and real U.S. stocks in one account
Availability in your country
3

Binance

Spot fees (maker/taker)0.1% / 0.1%
Assets507
Max leverage150×
KYCRequired
  • Most comprehensive crypto platform
  • 507+ digital assets
Availability in your country
4

Bitvavo

Spot fees (maker/taker)0.15% / 0.25%
Assets427
Max leverage—
KYCRequired
  • MiCA licensed as of June 2025
  • User-friendly interface for beginners
Availability in your country
5

BloFin

Spot fees (maker/taker)0.1% / 0.1%
Assets243
Max leverage150×
KYCNo KYC
  • No-KYC exchange with global access (incl. US, UK, Canada)
  • Supports 564+ spot cryptocurrencies and 462+ futures contracts
Availability in your country
8.8CWR Score
Bonusup to $5,000
Cashback10%
Terms & how to claim
7

Bitunix

Spot fees (maker/taker)0.08% / 0.1%
Assets546
Max leverage200×
KYCNo KYC
  • User-friendly crypto exchange
  • High liquidity with minimal slippage
Availability in your country
8.4CWR Score
Bonusup to $10,000
Cashback10%
Terms & how to claim
8

WhiteBIT

Spot fees (maker/taker)0.1% / 0.1%
Assets464
Max leverage100×
KYCRequired
  • Very user friendly
  • Regulated and licensed
Availability in your country
9

WEEX

Spot fees (maker/taker)0.1% / 0.1%
Assets2,048
Max leverage400×
KYCNo KYC
  • Access to over 2,048+ cryptocurrencies
  • High leverage up to 400x
Availability in your country
8CWR Score
Bonusup to $10,000
Cashback10%
Terms & how to claim
10

OKX EU

Spot fees (maker/taker)0.1% / 0.2%
Assets290
Max leverage10×
KYCRequired
  • Licensed under MiCA and supervised by Malta's financial regulator (MFSA)
  • Part of OKX, one of the largest crypto exchanges in the world
Availability in your country
7.9CWR Score
Bonusup to €400
Fee discount10%
Terms & how to claim
11

Bitget

Spot fees (maker/taker)0.1% / 0.1%
Assets507
Max leverage125×
KYCRequired
  • Competitive fees with further discounts for using BGB token
  • User-friendly Interface
Important A security incident was reported on 25 Sep 2026. Check the exchange’s official channels before you deposit.
Availability in your country
7.8CWR Score
Bonusup to 6,200 USDT
Cashback10%
Terms & how to claim
13

Coinbase

Spot fees (maker/taker)0.4% / 0.6%
Assets402
Max leverage10×
KYCRequired
  • Very simple to use, ideal for beginners
  • Fully regulated in the U.S., offering strong compliance
Availability in your country
14

Bybit EU

Spot fees (maker/taker)0.25% / 0.25%
Assets108
Max leverage—
KYCRequired
  • Licensed under MiCA and supervised by Austria's financial regulator (FMA)
  • Part of Bybit, one of the largest crypto exchanges in the world
Availability in your country
15

BYDFi

Spot fees (maker/taker)0.1% / 0.1%
Assets527
Max leverage500×
KYCNo KYC
  • No KYC needed to trade or withdraw, up to $50,000 a day
  • 527+ spot coins, including many small altcoins
Availability in your country
7.6CWR Score
Bonusup to $8,100
Cashback10%
Terms & how to claim
16

BTCC

Spot fees (maker/taker)0.2% / 0.3%
Assets246
Max leverage500×
KYCNo KYC
  • BTCC has a long history and has never been hacked
  • High leverage up to 500x
Availability in your country
17

Lighter

Spot fees (maker/taker)0% / 0%
Assets2
Max leverage50×
KYCNo KYC
  • Non-custodial, self-custody by design
  • Zero trading fees for retail
Availability in your country
18

XT.com

Spot fees (maker/taker)0.2% / 0.2%
Assets519
Max leverage125×
KYCNo KYC
  • Supports over 1,057 cryptocurrencies and 800+ futures contracts
  • Competitive futures fees of 0.02% maker and 0.06% taker
Availability in your country
7.5CWR Score
Bonusup to $8,888
Cashback10%
Terms & how to claim
19

Crypto.com

Spot fees (maker/taker)0.25% / 0.5%
Assets417
Max leverage50×
KYCRequired
  • Supports 417+ cryptocurrencies and 409+ futures contracts
  • Fully regulated with MiCA and MiFID compliance in Europe
Availability in your country
20

Zoomex

Spot fees (maker/taker)0.1% / 0.1%
Assets66
Max leverage1000×
KYCNo KYC
  • Flexible trading options with CEX and DEX.
  • Focused on derivatives with USDT and Inverse Perpetual contracts
Availability in your country
21

Bitstamp

Spot fees (maker/taker)0.3% / 0.4%
Assets118
Max leverage—
KYCRequired
  • Strong compliance with multiple global licenses and certifications
  • Supports 118+ cryptocurrencies with fiat pairs in USDT, EUR, and GBP
Availability in your country
23

Gemini

Spot fees (maker/taker)0.6% / 1.2%
Assets75
Max leverage20×
KYCRequired
  • Beginner-friendly with a clean, intuitive interface
  • Available across all 50 U.S. states, including New York
Availability in your country
24

Woo X

Spot fees (maker/taker)0.08% / 0.1%
Assets22
Max leverage100×
KYCNo KYC
  • Low trading fees for spot and futures
  • Supports social and copy trading features
Availability in your country
7.2CWR Score
Bonusup to $12,500
Cashback25%
Terms & how to claim
26

KuCoin

Spot fees (maker/taker)0.1% / 0.1%
Assets814
Max leverage125×
KYCRequired
  • Supports 814+ cryptocurrencies, including many niche tokens
  • Offers spot, futures, margin, P2P, and lending
Availability in your country
7.1CWR Score
Bonusup to 10,650 USDT
Terms & how to claim
27

Phemex

Spot fees (maker/taker)0.1% / 0.1%
Assets1,027
Max leverage100×
KYCNo KYC
  • Low fees for cost-effective trading
  • No KYC requirements
Important A security incident was reported in 2025. Check the exchange’s official channels before you deposit.
Availability in your country
28

dYdX

Spot fees (maker/taker)0.1% / 0.1%
Assets72
Max leverage50×
KYCNo KYC
  • Fully decentralized, non-custodial trading platform
  • No mandatory KYC for trading
Availability in your country
29

HTX

Spot fees (maker/taker)0.2% / 0.2%
Assets503
Max leverage200×
KYCNo KYC
  • 503+ supported cryptocurrencies
  • High leverage up to 200x
Availability in your country
6.9CWR Score
Bonusup to $1,500
Cashback10%
Terms & how to claim
30

Tapbit

Spot fees (maker/taker)0.1% / 0.1%
Assets50
Max leverage150×
KYCNo KYC
  • Supports 418+ spot cryptocurrencies and 110+ futures contracts
  • Leverage is available up to 150x on futures
Availability in your country
6.9CWR Score
Bonusup to $5,000
Fee discount6%
Terms & how to claim
31

Binance.US

Spot fees (maker/taker)— / 0.01%
Assets150
Max leverage—
KYCRequired
Availability in your country
32

LeveX

Spot fees (maker/taker)0.1% / 0.1%
Assets118
Max leverage500×
KYCNo KYC
  • Fast and efficient trading system
  • Great user rewards system
Availability in your country
33

Backpack Exchange

Spot fees (maker/taker)0.08% / 0.1%
Assets88
Max leverage75×
KYCRequired
  • Licensed under VARA regulation
  • Strong security with Proof of Reserves
Availability in your country
6.4CWR Score
34

Bitpanda

Spot fees (maker/taker)1.49% / 1.49%
Assets575
Max leverage—
KYCRequired
  • Simple interface ideal for beginners
  • Fully regulated and compliant in Europe
Availability in your country
6.4CWR Score
Bonusup to 100€
35

Toobit

Spot fees (maker/taker)0.075% / 0.1%
Assets528
Max leverage200×
KYCNo KYC
  • User-friendly trading interface
  • Integrated with TradingView
Availability in your country
6.4CWR Score
Bonusup to $15,000
Cashback10%
Terms & how to claim
36

Bitfinex

Spot fees (maker/taker)0% / 0%
Assets82
Max leverage100×
KYCRequired
  • One of the longest-running exchanges, trusted by professional traders
  • Offers derivatives, securities trading, and up to 100x leverage
Availability in your country
37

Upbit

Spot fees (maker/taker)—
Assets342
Max leverage—
KYC—
Availability in your country
38

Binance TR

Spot fees (maker/taker)—
Assets—
Max leverage—
KYCRequired
Availability in your country
39

Coincheck

Spot fees (maker/taker)—
Assets14
Max leverage—
KYC—
Availability in your country
40

VirgoCX

Spot fees (maker/taker)—
Assets—
Max leverage—
KYC—
Availability in your country
41

Deepcoin

Spot fees (maker/taker)0.1% / 0.1%
Assets114
Max leverage125×
KYCNo KYC
  • 341+ spot pairs and 353+ futures contracts
  • Unique indicator and combo indicator orders
Availability in your country
42

Poloniex

Spot fees (maker/taker)0.2% / 0.2%
Assets121
Max leverage100×
KYCNo KYC
  • Supports over 770 cryptocurrencies
  • TRON ecosystem integrations (AINFT, SunSwap, SunPump)
Availability in your country
5.6CWR Score
Bonusup to $711
Cashback10%
Terms & how to claim
43

Delta Exchange

Spot fees (maker/taker)0% / 0.1%
Assets2
Max leverage100×
KYCRequired
  • Several innovative futures products are available.
  • Great design and functional UX
Availability in your country
5.4CWR Score
Bonusup to 250 INR
Fee discount10%
Terms & how to claim
44

Uphold

Spot fees (maker/taker)— / 0.25%
Assets—
Max leverage—
KYCRequired
  • Highly secure
  • A wide range of cryptocurrencies
Availability in your country
45

Paybis

Spot fees (maker/taker)1.49% / 1.49%
Assets—
Max leverage—
KYC—
Availability in your country
46

Bitrue

Spot fees (maker/taker)0.098% / 0.098%
Assets477
Max leverage125×
KYCNo KYC
  • 477+ spot coins and 719+ futures contracts
  • Low spot fees
Availability in your country
47

MEXC

Spot fees (maker/taker)0% / 0.05%
Assets1,321
Max leverage200×
KYCRequired
  • Large selection of altcoins for spot trading
  • Low futures trading fees
Availability in your country
4.2CWR Score
Bonusup to $10,000
Cashback10%
Terms & how to claim
48

Coinmama

Spot fees (maker/taker)3.9% / 3.9%
Assets—
Max leverage—
KYCRequired
  • User-friendly interface, ideal for beginners
  • Instant buying and selling of cryptocurrencies
Availability in your country
49

LBank

Spot fees (maker/taker)0.1% / 0.1%
Assets834
Max leverage200×
KYCNo KYC
  • Over 700 cryptos supported
  • Wide range of products
Availability in your country
51

PrimeXBT

Spot fees (maker/taker)—
Assets159
Max leverage500×
KYCNo KYC
  • Copy-trading for shared expertise and earnings
  • Responsive Live Chat customer support
Availability in your country
52

eToro

Spot fees (maker/taker)1% / 1%
Assets—
Max leverage—
KYCRequired
Availability in your country
53

DigiFinex

Spot fees (maker/taker)0.15% / 0.2%
Assets486
Max leverage100×
KYCNo KYC
  • Digifinex offer various trading markets
  • Live chat support
Availability in your country
54

BigONE

Spot fees (maker/taker)0.2% / 0.2%
Assets159
Max leverage100×
KYCRequired
  • Good trading interface for beginners
  • No limits on deposits
Important A security incident was reported in 2025. Check the exchange’s official channels before you deposit.
Availability in your country

About buying crypto with a bank transfer

A bank transfer moves money directly from your bank account to the exchange’s account, with no card network and no wallet in the middle. It is an umbrella term rather than a single system: what carries the money depends on where you are, from SEPA in the euro area to Faster Payments in the UK, ACH or a domestic wire in the United States, and SWIFT for anything crossing borders. It is widely accepted for buying crypto.

To pay an exchange this way you need a bank account in your own name and the venue’s account details plus a reference code. You do not hand over card numbers or a third-party wallet. Because the money leaves an account the bank has already tied to you, a transfer usually carries the highest deposit limits and the lowest fees. The trade-off is that a settled transfer is hard to reverse.

The list at the top of this page shows every exchange that accepts bank transfer.

Bank transfer history

Bank transfers are run by a global network of banks and clearing schemes rather than a single company. Wire transfers trace back to 1871 and 1872, when money could first be moved over telegraph networks. Fedwire, operated by the US Federal Reserve, began in 1918, originally using Morse code. SWIFT, the secure messaging standard behind most modern international transfers, was set up in 1973, and now connects over 11,000 financial institutions.

National retail rails came later. SEPA Credit Transfer launched in 2008 for the euro area, with SEPA Instant following in November 2017 to move euros within ten seconds. The UK Faster Payments Service launched in May 2008, and US ACH added same-day settlement in 2016.

Bank transfers and crypto

Bank transfer is a payment system run by banks and clearing schemes, not a fintech app with its own crypto product. The schemes themselves, such as Fedwire, SEPA, Faster Payments, SWIFT and ACH, do not buy, hold or restrict crypto on anyone’s behalf. They simply move money between bank accounts.

Any policy on paying a crypto exchange sits with your own bank, not the scheme. Some retail banks limit or refuse payments to crypto businesses as a matter of policy, independently of anything the exchange does. If that happens, the bank is the only party that can lift it. So when you use a bank transfer to fund an exchange, you are using plain banking infrastructure, and the crypto side happens entirely on the exchange.

How to buy crypto with a bank transfer

The pattern is the same at any exchange that accepts bank transfer.

  1. Pick an exchange. Choose one from the list at the top of this page.
  2. Verify your account. Finish the exchange’s identity checks before you send any money, because it matches the payment against your verified name.
  3. Choose bank transfer. On the deposit or buy screen, select bank transfer and your currency, and note which rail it offers.
  4. Copy the details exactly. Take down the account details and the reference code exactly as shown.
  5. Pay from your own account. Send the money from a bank account in your own name, pasting the reference into the payment description.
  6. Buy once it lands. When the deposit is credited, use it to buy the coin you want.

Can you buy crypto instantly with a bank transfer?

It depends entirely on the rail. A domestic instant scheme can credit in seconds, a standard euro transfer usually lands the next business day, and an international wire can take several business days and may be held for checks along the way. Weekends and public holidays stall the older batch rails, since they do not move on non-business days. First-time transfers can draw extra checks, and a missing or mistyped reference code can leave the payment sitting unallocated until support reunites it with your account. None of that is the exchange’s choice; it is the banking system underneath.

Fees when buying crypto with a bank transfer

The transfer itself is often the cheapest way to fund an account, and many venues charge nothing for an incoming one. Your own bank may charge for sending, especially on international wires, where correspondent banks in the middle can each take a cut. On top of that, an exchange can add a deposit fee or, if you use an instant-buy option, build its margin into a wider price. Before you confirm, check the exchange’s own fee page and the total it shows at the point of purchase, so you see the full cost rather than just the amount you send.

Cut-off times and settlement

Instant schemes run around the clock, but the older batch rails do not. A standard euro or ACH transfer sent late on a Friday will usually not move until the next business day, and a public holiday in either country adds another. If a deposit seems stuck over a weekend, the calendar is the most likely explanation.

International wires have a second delay built in: correspondent banks. A payment can pass through one or two intermediaries, each of which may take a cut and add a day. That is why a SWIFT transfer that arrives short of the amount you sent has usually not been shortchanged by the exchange.

Where speed matters and both ends support it, the instant version of your local rail is almost always worth using over the standard one.

Sending from your own account

Every regulated venue requires the name on the sending bank account to match the name on the exchange account. A payment from a partner, a parent, or a company account is a third-party deposit, and the normal outcome is a returned transfer minus the return fee, plus a delay of a week or more.

Joint accounts usually pass if you are one of the named holders. Business accounts usually do not, unless the exchange account is itself a verified business account.

The same rule applies in reverse on withdrawal: most venues will only pay out to an account in your own name, and often only to the account you deposited from.

How to choose an exchange that accepts bank transfers

Since bank transfer is widely accepted, the deciding factors are the details. Compare the total cost each exchange shows before you confirm, how long its identity verification takes, and whether you can withdraw back to your bank account afterwards. Check which specific rail it can receive in your currency, which coins you can buy, and the exchange’s security record. The list at the top of this page shows the exchanges that accept bank transfer; use it to narrow down to the one that fits what you need.

Bank transfer pros and cons

What we like

  • Usually the cheapest way to fund an account, and many venues charge nothing for an incoming transfer.
  • The highest deposit limits of any method, because the bank has already verified who you are.
  • Widely accepted, so it rarely limits which venue you can use.
  • No card details or third-party wallet sits between you and the exchange.

What holds it back

  • Slower than a card or a wallet, anything from seconds to several business days depending on the rail.
  • A missing or mistyped reference code can leave the payment unallocated until support steps in.
  • The sending account must be in your own name; third-party transfers are normally rejected or returned.
  • Once settled, a transfer is hard to reverse, so a mistake is awkward to undo.
Questions

Bank transfer FAQ

Yes. The name on the sending bank account has to match the name on your exchange account. Third-party payments are normally flagged and returned, and the return itself costs money and time.

Usually yes. Most venues will only pay out to an account in your own name, and often only to the account you deposited from.

A third-party or mismatched payment is normally returned, minus any return fee, with a delay of a week or more. A transfer sent without the reference code arrives but cannot be matched automatically, so contact support with the date, amount and sending account to recover it.

Some retail banks limit or refuse payments to crypto businesses as a matter of policy, independently of anything the exchange does. If that happens, the bank is the only party that can lift it.

Check which other methods it lists on its deposit screen, such as a debit or credit card. A card is faster but usually carries a percentage fee that a bank transfer avoids.