How to Buy Crypto with Credit and Debit Cards

Mila Mostovaya

December 8, 2025

How to Buy Bitcoin Guide

Almost every crypto platform offers users the opportunity to buy crypto with a credit card or debit card. The flow depends on the platform itself. For example, centralized services such as Bybit, Coinbase, or Binance, allow you to pay for crypto directly from your bank account — you just need to tap Buy crypto and choose the payment method.

But what if you want to buy crypto with a credit card anonymously and without KYC? In this case, a decentralized wallet or other platforms might be more suitable for you. For example, services such as Coin Wallet or Coin Wallet DEX Exchange.

In this article, we're going to discuss how to buy crypto with credit or debit cards including Visa, Visa gift card, and Mastercard.

In Short

Centralized services, such as Bybit, Coinbase, or Binance, allow you to pay for crypto with a credit or debit card directly from your app. But if you want to buy crypto anonymously and without KYС, you should use decentralized platforms.
To buy crypto using decentralized platforms such as Coin Wallet or Coin Wallet DEX Exchange, you’ll need fiat on-ramp services such as MoonPay, Guardarian, and others.
You can buy BTC, ETH and other coins with a higher level of anonymity via P2P services but this approach involves significant risks, from fraud to potential questions from tax authorities.
Buying crypto via Visa Gift Card or Mastercard works the same way as using a standard credit card.
Be ready to pay fees for transactions. They will depend on your region, platform, and issuing bank.

Where Can You Buy Crypto with a Credit Card?

Actually, you can do it through a wide range of financial services from centralized to decentralized ones. As mentioned above, you can buy crypto with a credit card directly on platforms such as Binance, Bybit, Kraken, and Coinbase. However, they'll require KYC.

If you want to avoid this, you can switch to decentralized platforms. This is often the best way to buy crypto with a credit card while maintaining anonymity and privacy. To use decentralized platforms effectively, you need to be familiar with interacting with third-party services.

Buying Crypto for Fiat on Centralized Services

This is a standard procedure that works similarly to buying something on Amazon, as in our Bybit example above. You just choose a cryptocurrency, select a payment method like Visa or Mastercard, enter the amount and confirm.

Some banks in the US and Europe may classify cryptocurrency purchases as cash advances, which may incur an additional 3–5% fee and start accruing interest immediately. We also recommend taking this into account when making a purchase.

This way is comfortable enough, but you should keep in mind that banks and tax authorities will be able to see your transactions and personal information, because you have to provide your Visa or Mastercard details — card number, expiration date, CVV code, and cardholder name — as well as your billing address for verification purposes.

Buying Crypto for Fiat on Decentralized Services

In this case, you don't need to go through KYC procedure or provide any other personal information. But there are a few details.

To buy crypto with a credit or debit card fast on any self-custodial platform, you need to use special software solutions — centralized payment gateways (fiat on-ramp services).

These services process payments and send cryptocurrency to the user, acting as an intermediary between the traditional payment system and the blockchain.

Coin Wallet works with Bitnovo, BTC Direct, Guardarian, MoonPay, Onramper, and Paybis, providing the ability to buy or sell cryptocurrency worldwide. You can choose the provider you like best. At the same time, we monitor exchange rates to find the best offer for you when buying crypto with fiat.

For example, you want to buy crypto with a credit card using MoonPay. First of all, you have to register with the service. Then choose the crypto you want to buy, enter your wallet address, and confirm your transaction.

If you have a Coin Wallet account, this process might be easier, because you can buy crypto with a credit card instantly through the Coin Wallet app.

1. Choose a cryptocurrency and tap Buy.

2. Select your country or region and a provider. In our case, it will be MoonPay. Then enter the payment amount, for example, $100.

3. At this step, you need to enter your personal information, such as your name, nationality, date of birth, and address. After that, you can complete the transaction and buy crypto with Mastercard or Visa.

How to Buy Crypto with a Credit Card Completely Anonymously

Most often, decentralized methods of purchasing cryptocurrency for fiat money are implemented through P2P (peer-to-peer) platforms, where the buyer and seller interact directly — without centralized gateways, without storing funds on the platform, and often without a mandatory KYC procedure. Examples of such platforms include Bisq, HodlHodl, LocalMonero, and AgoraDesk.

You just choose a seller on the platform that offers the desired crypto for fiat. After that, a temporary escrow contract is created, where the seller locks their coins. You transfer the money directly to the seller (to a card, via Zelle, Revolut, etc.). After confirming payment, the seller unlocks the coins, and they are sent to you.

This method seems very convenient, but it has many risks. For example: fraud, poor liquidity, complicated interfaces, lengthy transactions, and, in unexpected cases, questions from tax authorities about the origin of the funds.

So we recommend using partner providers that don't require KYC. In Coin Wallet, it is Paybis.

How to Buy Crypto with Visa Gift Card

In general, most providers accept prepaid and gift cards in the same way as regular debit cards. Everything works the same way: you enter the card number and CVV, and if there are sufficient funds on the card, the transaction will be processed. In practice, purchasing cryptocurrency via Visa and Mastercard gift cards usually goes smoothly.

However, there are some details: the card must be activated for online payments, and some gift card issuers block transactions in certain categories (sometimes international transactions or financial services). It is advisable to register your gift card on the issuer's website, providing your name and address to help facilitate verification during payment.

Final Point: Buying Crypto without Fees

If you want to buy crypto with a credit card without fees, you can use centralized exchanges with promotions or subscriptions (e.g., Kraken+ or Coinbase One), where transaction fees can be waived and ACH deposits are free. Binance.US offers 0% fees on major pairs when trading through a wallet, and Crypto.com offers zero fees to new users when paying by card for the first 30 days.

You can also use P2P platforms, where there are no fees at all and payments are made directly between individuals. Buying through crypto ATMs is an expensive option, but sometimes it can be made cheaper with promo codes and referral discounts.

In addition, you can use a provider’s service, but you should be ready to pay fees — on average 3–5%. For example, MoonPay charges 4.5%, and Simplex charges up to 5%. The bank may charge a fee for cash withdrawals or conversions as well.