Buy Bitcoin with ACH

The companies below let you buy bitcoin via ACH bank transfer. Using ACH bank transfers will help you buy bitcoin online and in larger quantities than other methods. Buying bitcoin with ACH transfer also often comes with lower fees.

We may receive advertising compensation when you click certain products. Before jumping into this page, an important disclosure.

Key Takeaways

  • There are many good choices to buy bitcoins with ACH.
  • Uphold, eToro and Kraken are some of the best options.
  • ACH is a transfer system in the United States. It won't work outside of the U.S.

eToroeToro

eToro USA is a trading platform based in the USA. It accepts deposits via ACH.

It offers unique features like social trading. It also supports other coins like ethereum, litecoin, Zcash and about 10 more.

eToro USA LLC; Investments are subject to market risk, including the possible loss of principal.

Visit eToro's Website

Pros
  • Trusted exchange with 25+ million users
  • Easy to use to buy
  • The interface is clean and many coins supported
Cons
  • You cannot deposit cryptocurrency, but you can deposit with other payment methods
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Ease of Use
Easy
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Privacy
Low
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Speed
Average
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Fees
Low
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Reputation
Trusted
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Limits
High

RobinhoodRobinhood

Visit Robinhood's Website

Pros
  • Commission-free crypto trading
  • Also offers spot Bitcoin ETFs
  • Regulated by FinCEN and SEC
  • User-friendly mobile app
Cons
  • Only available in the US
  • Requires ID verification
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Ease of Use
Easy
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Privacy
Low
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Speed
Fast
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Fees
Low
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Reputation
Trusted
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Limits
High

KrakenKraken

Visit Kraken's Website

Pros
  • Very low 0.25% taker fee, falling to 0.1% with sufficient trading volume
  • Very low maker fee, falling to 0% with sufficient trading volume
  • Highly-rated for security and data protection
Cons
  • Requires ID verification, so not private
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Ease of Use
Hard
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Privacy
Low
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Speed
Average
fees icon
Fees
Low
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Reputation
Trusted
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Limits
High

UpholdUphold

Uphold is based in New York and supports US dollar deposits via ACH transfer. Visit Uphold's Website

Pros
  • Ability to buy many types of assets
Cons
  • Requires ID verification, so not private
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Ease of Use
Easy
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Privacy
Low
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Speed
Average
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Fees
Low
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Reputation
Trusted
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Limits
High

GeminiGemini

Gemini is a Bitcoin exchange that serves both individual and institutional clients. You can fund your exchange account via ACH transfer or wire transfer. Currently available in 26 U.S. states. Visit Gemini's Website

Pros
  • Trustworthy and regulated exchange
  • Instant deposit lets you buy coins quickly (but not withdraw them)
  • Some of the lowest fees in the US and Canada
Cons
  • Somewhat confusing to use for new buyers
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Ease of Use
Hard
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Privacy
Low
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Speed
Slow
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Fees
Low
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Reputation
Trusted
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Limits
High

CoinbaseCoinbase

Coinbase supports ACH buying and selling and is based in the USA. It is a public company listed on the NASDAQ. Visit Coinbase's Website

Pros
  • Trusted exchange with 100 million+ users
  • Based in the USA; with a free wallet included
  • App available on Apple App Store & Play Store
Cons
  • Easy to use but fees can be high
  • Coinbase may track how and where you spend your bitcoins
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Ease of Use
Easy
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Privacy
Low
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Speed
Average
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Fees
Average
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Reputation
Trusted
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Limits
High

UnchainedUnchained

Unchained offers a smooth buying process, plus extremely secure storage. They also have an onboarding team, so if you need help buying a real human can walk you through the process.

Unchained also offers IRAs, inheritance planning, and other important features.

Visit Unchained's Website

Pros
  • Tax-advantaged Bitcoin savings
  • Can also setup secure storage
Cons
  • No simple wallet
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Ease of Use
Easy
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Privacy
Low
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Speed
Fast
fees icon
Fees
High
reputation icon
Reputation
Trusted
limits icon
Limits
High

Coinbase AdvancedCoinbase Advanced

Coinbase Exchange is only available in certain U.S. States. You can fund your account via ACH transfer. Visit Coinbase Advanced's Website

Pros
  • Some of the lowest fees available for US and EU customers
  • Possible to buy bitcoins for 0% fees
Cons
  • The user interface is confusing for first-time buyers
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Ease of Use
Hard
privacy icon
Privacy
Low
speed icon
Speed
Average
fees icon
Fees
Low
reputation icon
Reputation
Trusted
limits icon
Limits
High

Frequently Asked Questions

Does ACH work with Coinbase?

US Customers can use link their bank accounts to their Coinbase account to initiate an ACH transfer and deposit funds(1).

Article Sources

BuyBitcoinWorldWide writers are subject-matter experts and base their articles on firsthand information, like interviews with experts, white papers or original studies and experience. We also use trusted research and studies from other well-known sources. You can learn more about our editorial guidelines.

  1. Consumer Financial Protection Bureau - What is an ACH?, https://www.consumerfinance.gov/ask-cfpb/what-is-an-ach-en-1065/

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