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 bitcoin 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 the USA.

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

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
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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

Bitcoin IRABitcoin IRA

Another way to buy Bitcoin using ACH is to access funds in your traditional or Roth IRA, or any 401k plan you have with your employer.

To do this, you will need a Bitcoin IRA.

There are many great Bitcoin and Crypto IRA custodians, and we cover them all in our Bitcoin IRA guide.

If you have retirement money saved up and are interested in buying tax advantaged Bitcoin, this is a great way to start buying Bitcoin.

Visit Bitcoin IRA's Website

Pros
  • Tax-advantaged Bitcoin savings
  • Easy to set up an account
Cons
  • Cannot custody the Bitcoin yourself
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Ease of Use
Average
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Privacy
Low
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Speed
Fast
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Fees
High
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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
limits icon
Limits
High

Coinbase Advanced TraderCoinbase Advanced Trader

Coinbase Exchange is only available in certain U.S. States. You can fund your account via ACH transfer.

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
ease icon
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).

Once the ACH clears, these funds are immediately available to the customer for buying and selling on Coinbase.

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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