BitPay aims to allow customers to purchase cryptocurrency easily and conveniently. Whether you want to buy Bitcoin with a credit card or Ethereum with Apple Pay, we know that everyone has their preference. You can now buy cryptocurrency with your bank account! The process is fast and safe. We work with the best cryptocurrency marketplaces to ensure you get the best price and have flexibility in how you buy. Find out how easy it is to buy cryptocurrency with ACH in our handy guide.
How to buy cryptocurrency with your bank account
BitPay offers cryptocurrency buyers two easy ways to purchase cryptocurrency via bank transfer.
- In the BitPay wallet app
- Online at BitPay.com
Buy cryptocurrency with your bank account on the BitPay Wallet app
Step 1: Download the app
Download the BitPay app from your favorite app store or scan the QR code below. Already have a BitPay app? Skip this part.
Step 2: Tap “Buy Cryptocurrency”
To purchase cryptocurrency from your bank account, press the “Buy” button on the app home screen. In addition to Bitcoin (BTC), BitPay supports over 60 of the most popular cryptocurrencies and stablecoins, including Ethereum (ETH), Dogecoin (DOGE), Litecoin (LTC), and more.
Step 3: Select the amount and cryptocurrency you want to purchase.
Enter the amount you want to convert to cryptocurrency and the coin you want to convert.
Step 4: Select Instant ACH Bank Transfer as your payment method.
Along with ACH transfers, you can also purchase cryptocurrency using credit cards, Apple Pay, Google Pay, or alternative local banking methods (if applicable).
Step 5: Review and select proposals
BitPay partners with multiple cryptocurrency marketplaces to ensure you always get the best price, with no hidden fees or excessive markups. Once you’ve chosen the offer that’s best for you, you’ll be automatically taken to one of our partner sites to enter your banking details and complete the transaction.
memo: Currently, Sardine is the only BitPay partner to offer instant ACH bank transfer payment options for US-based cryptocurrency buyers. Sardine securely connects to your bank accounts using Plaid, the same technology used by leading fintech institutions to connect your banking information.
Buy over 60 cryptocurrencies with low fees and high limits
Download the BitPay app
Buy cryptocurrency online with your bank account at BitPay.com
Step 1: Choose your cryptocurrency
Visit BitPay’s cryptocurrency purchase page. Choose from the best cryptocurrencies including Bitcoin, Ether, Litecoin, Bitcoin Cash, USDC, Polygon, and more. Enter the amount of cryptocurrency you wish to purchase.
Step 2: Send to desired wallet
Enter the address where you would like to receive cryptocurrency. You can send cryptocurrency to almost any self-custodial wallet as long as you know the wallet address. If you don’t yet have a self-custodial wallet or would like to store your cryptocurrencies in a new wallet, you can create a free BitPay wallet.
Step 3: Pay with your bank account and receive cryptocurrency
BitPay aggregates offers from multiple partners to ensure you get the best possible rates. Look for the “Best Offer” flag. Once you’ve selected the offer you want, you’ll be taken to one of our partner sites where you’ll enter your banking details and complete the transaction. Your cryptocurrency will be sent to your wallet address and can be used almost immediately.
Why buy cryptocurrency with an instant ACH bank transfer?
Instant ACH bank transfer
Convert fiat to cryptocurrency safely and conveniently in your bank account
low fees
ACH bank transfer fees are generally lower than credit card fees.
high limit
Up to 30 million won per day can be purchased
higher approval rate
The approval rate for ACH payments is typically 95%.
60+ coins across 20 chains
Build your portfolio by purchasing various coins and tokens
Safe self-care experience
You still own 100% of the cryptocurrency you purchased. No third party custody
What cryptocurrencies can I buy with my bank account through BitPay?
You can purchase over 60 major cryptocurrencies and stablecoins using your bank account through the BitPay app or website.
And much more. Use the BitPay widget to see all the cryptocurrencies available for purchase.
What should I do with my cryptocurrency after purchasing it via bank transfer?
Once you earn Bitcoin or any other cryptocurrency, you are free to hold, exchange, or spend it as you wish. The BitPay app gives you complete control over all your assets, making it easy to:
Hold and store safely
Store your cryptocurrency assets safely in an easy-to-use, self-managed cryptocurrency wallet. You can also import additional wallets and manage them all in one place.
Coin Exchange
Easily exchange one digital asset for another in the BitPay app. Exchange Bitcoin for Ethereum, Dogecoin, Bitcoin Cash and many other major cryptocurrencies.
Use Cryptocurrency
You can also spend cryptocurrency right in the app by connecting your wallet to a merchant that accepts cryptocurrency payments or by purchasing gift cards with cryptocurrency from your favorite brands. Check out our Merchant Directory for a searchable list of businesses that accept cryptocurrency payments through BitPay.