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UpholdBest match
KYC fullTrust8.2
Fee0%
Coins9
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Buy crypto with Bank Transfer
Bank transfer is the cheapest way to buy crypto — most major exchanges charge nothing for deposits. Settlement ranges from instant (local rails) to 1–3 days (wires).
Instant–3 daysLowest fees · 0–3 days
Ranked
Exchanges that accept Bank Transfer
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eToro
KYC fullTrust8.5
Fee0%
Coins7
Bitstamp
KYC fullTrust8.7
Fee0%
Coins8
Gemini
KYC fullTrust8.9
Fee0%
Coins6
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Bybit
KYC fullTrust8.6
Fee0%
Coins10
OKX
KYC tieredTrust8.8
Fee0%
Coins9
Crypto.com
KYC fullTrust8.8
Fee0%
Coins10
Binance
KYC tieredTrust9.2
Fee0%
Coins10
Kraken
KYC tieredTrust9.3
Fee0%
Coins9
Coinbase
KYC fullTrust9.4
Fee0%
Coins8
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Why use Bank Transfer
- Cheapest method — deposits usually free
- Highest limits of any funding method
- Works for withdrawals too
- Instant on modern local rails (FPS, SEPA Instant, Pix, UPI)
Worth knowing
- Not always instant — ACH and wires take days
- Requires full identity verification
- Reference-code mistakes can delay deposits
Coins
What you can buy with Bank Transfer
Step by step
How buying with Bank Transfer works
STEP 01Verify your exchange account
Bank funding requires full KYC on regulated exchanges — have your ID ready.
STEP 02Get the deposit details
The exchange shows its bank details with a unique reference code, or connects directly to your bank (e.g. Plaid for ACH).
STEP 03Send the transfer from your bank
Use your banking app. Include the reference code exactly so the deposit is matched to your account.
STEP 04Trade once funds arrive
Instant rails credit in seconds-to-minutes; ACH and wires take 1–3 days. Then buy at the exchange's lowest fee tier.
Good to know
Bank Transfer & crypto: FAQ
Yes, almost always. Deposits are free on most major exchanges, so you pay only the trading fee (0.1–0.6%) — versus 2–4% total for card purchases.
Buy crypto with Bank Transfer
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