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.
ACH is a US transfer system. If you live outside the USA, then you will need to do a money transfer or bank account in your own country, such as SEPA for European Countries..
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Popular Exchanges
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eToro
LEARN MORE eToro USA LLC; Investments are subject to market risk, including the possible loss of principal. - Well-known and trusted exchange
- Interface is clean and easy to use
- Your capital is at risk.
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Coinbase
BUY NOW at Coinbase's Secure Site - US based crypto & Bitcoin exchange
- Best way to buy crypto in the US
- Instantly connect bank account and buy
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.
Pros
- Offers unique copy trading feature
- Trusted exchange that has been active in traditional finance
- Interface is clean and easy to use
Cons
- You cannot deposit cryptocurrency, but you can deposit with other payment methods
Ease of Use
Easy
Privacy
Low
Speed
Average
Fees
Low
Reputation
Trusted
Limits
High
Coinbase supports ACH buying and selling and is based in the USA. It is a public company listed on the NASDAQ.
Pros
- High liquidity and buying limits
- Easy way for newcomers to get bitcoins
- "Instant Buy" option available with debit card
Cons
- Easy to use but fees can be high
- Coinbase may track how and where you spend your bitcoins
Ease of Use
Easy
Privacy
Low
Speed
Average
Fees
Average
Reputation
Trusted
Limits
High
Gemini
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.
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
Ease of Use
Hard
Privacy
Low
Speed
Slow
Fees
Low
Reputation
Trusted
Limits
High
Uphold
Uphold is based in New York and supports US dollar deposits via ACH transfer.
Pros
- Ability to also buy gold and silver
Cons
- Requires ID verification, so not private
Ease of Use
Easy
Privacy
Low
Speed
Average
Fees
Low
Reputation
Trusted
Limits
High
Bitcoin 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.
Pros
- Tax Advantaged Bitcoin Savings
- Easy to set up account
Cons
- Cannot custody the Bitcoin yourself
Ease of Use
Average
Privacy
Low
Speed
Fast
Fees
Low
Reputation
Trusted
Limits
High
Swan Bitcoin
Swan Bitcoin is a Bitcoin exchange that serves both individual and institutional clients. You can fund your Swan account via ACH transfer only. Currently available in all U.S. states except New York.
Pros
- Easy to set up
- Automated dollar cost averaging
- Very low fees
Cons
- First purchase takes awhile
- No way to sell on platform
Ease of Use
Hard
Privacy
Low
Speed
Fast
Fees
Low
Reputation
Trusted
Limits
High
Coinbase Pro
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
- User interface is confusing for first time buyers
Ease of Use
Hard
Privacy
Low
Speed
Average
Fees
Low
Reputation
Trusted
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.
Once the ACH clears, these fuinds are immediately availabe to the customer for buying and selling on Coinbase.
