Buy Crypto With Bank Account USA: Step-by-Step Guide

Written by Adekunle
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Last updated: 12/23/2025 00:05

In the USA, you can buy crypto with bank transfers, credit/debit cards, and even cash. But the best option for most people is bank transfers. Why? Because bank account transfers come with higher limits and lower fees (when compared to card payments). Also, most exchanges and brokers allow you to buy crypto with a bank account in the USA with ease.

On the other hand, there are a couple of things to know about bank-based purchases. These include setting up accounts, processing times, and basic financial common-sense rules. This guide will walk you through everything you need to know regarding buying crypto with a US bank account.

But first, let’s answer an all-important question.

Buy Crypto With Bank Account USA (2026 Step-by-Step Guide)

 

Table of Contents

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Is it legal to buy crypto with a bank account in the USA?

Yes. Buying crypto with a bank account is legal. You can purchase and trade cryptocurrency and blockchain assets in the US as long as you use US law-compliant platforms. Ideally, you want to use a platform that is registered with the Financial Crimes Enforcement Network (FinCEN) and complies with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.

These regulations can vary state to state, so you might want to dig into your state laws to see where you stand. For instance, New York crypto companies typically provide services only to New York residents.

Another thing to consider is that crypto is not FDIC-insured. In fact, the IRS treats cryptocurrency as taxable property. So keep that in mind as you’re stacking your coins.

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Ways to buy crypto with a bank account in the USA

buy crypto with bank account USA 2026

There are three main ways to buy crypto using a bank account in the USA. These are ACH bank transfers, wire transfers, and online banking.

  • ACH bank transfers: ACH crypto purchases are the most popular option because of their ease of use, higher purchase limits, and really low fees (some are even free). All you need to do is link your checking account directly to a crypto exchange. Once you’ve done that, you can directly transfer your dollars to the exchange. The only downside is that deposits can take up to three business days to settle.
  • Wire transfers: With wire transfers, you get even higher purchase limits and faster deposits. This makes them great for high-volume purchases and people who need to make instant buys. The downside is that banks charge fees for each wire transfer.
  • Online banking: There are online banking integrations that allow you to instantly verify your bank account. With these services, you can link your bank account to the exchange and get almost instant deposits. Think of it as a faster variation of ACH crypto transfers. The only issue here is that not every bank supports these online banking integrations.

Now that you know the various methods available, let’s look at the best platforms for purchasing crypto using bank accounts. 

Best platforms to buy crypto with a bank account in the USA

The platforms that support bank account purchases fall into three categories: centralized exchanges, broker apps, and DeFi on-ramps. These platforms support ACH and wire transfers, and some support online banking integrations.

Let’s dig in.

Centralized exchanges

Centralized exchanges are digital platforms that allow users to buy, sell, and trade cryptocurrency. They act as a middleman between users and hold user funds in custodial wallets. This is opposed to a decentralized exchange, where users trade directly.

Centralized exchanges are great for buying crypto as they are easy to use, offer instant purchases, and provide a large selection of coins. Popular centralized exchanges that support ACH transfers include BTCC, Coinbase, and Gemini. Coinbase is the best option for beginners, while Gemini focuses on regulatory compliance, but you should watch out for higher fees. BTCC is the best option as it offers lower fees, regulatory compliance, and is better suited for beginners to experienced traders.

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Broker & fintech apps

Many popular stock brokerage apps and fintech platforms now support cryptocurrency. You can use these platforms to buy, sell, and store cryptocurrency. Because these platforms are generally regulatory-compliant, using bank accounts with them is a seamless process.

One popular brokerage app for buying crypto is Robinhood. When it comes to fintech apps, popular options include PayPal and Cash App. 

DeFi on-ramps

You can purchase your crypto using Fiat to crypto on-ramps like MoonPay and Sardine.

MoonPay is a service provider that allows you to use bank transfers to buy crypto and send it to a self-custody wallet. This will require you to set up a crypto wallet. Sardine works in a similar way, although the platform claims to have higher ACH authorization rates.

The best platform to buy crypto seamlessly and successfully for beginners in 2026 is BTCC. Register on BTCC now for shared welcoming bonus

Step-by-Step: How to buy crypto with a bank account (USA)

Here’s a step-by-step guide to help you buy crypto using your US bank account.

  1. Choose a US-friendly platform: You need an exchange or broker that supports US accounts. We strongly suggest you only use platforms regulated by US authorities such as BTCC as that reduces your chances of getting scammed.
  2. Create and verify your account: Create an account on your selected platform and complete the verification process. A regulated platform will require you to verify your identity using a government-issued ID. Some may also require a selfie and other supporting documents. Make sure the information you supply, such as date of birth, does not contradict your verification documents.
  3. Connect your account: The next step is to connect your bank account with the platform. Just go to the payment area and choose the bank account option. Follow the prompts
  4. Deposit USD: Now that you have connected your bank account, you can fund your account. Remember that it can take up to three business days for the deposited funds to show up in your wallet
  5. Buy crypto: Once the USD deposit shows up in your balance, you can proceed to buy any crypto of your choice. Take your time to read  all the details, including fees, before confirming the transaction. Once your order goes through, your account will be credited with the purchased crypto.
  6. Transfer crypto to preferred wallet (optional): If you want to store or use your crypto elsewhere, you can use the transfer option. Moving your crypto to a self-custody wallet, such as a hardware wallet, can add extra security and control over your coins. Note that this transfer typically incurs blockchain fees.

Final Takeaways

Buying crypto with a bank account in the US is typically a straightforward process. You need to choose a platform that supports US bank transfers, link your bank account, and then purchase your desired crypto. Get started today by selecting from any of the exchanges or brokers that support US bank transfers.

As for USA investors either beginners or experts alike, BTCC is the best option to explore for hassle free and intuitive experience. 

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FAQs About Buy Crypto With Bank Account USA

Q1. How to buy Bitcoin in the USA with a bank account

You can buy Bitcoin in the USA on regulated exchanges like BTCC by linking your bank account and paying via ACH or wire transfer.

Q2. How to buy crypto in the USA for beginners

Beginners can buy crypto in the USA by using user-friendly, regulated exchanges such as BTCC Exchange. 

Q3. Can I buy Bitcoin with a bank account and routing number without verification?

No. Due to U.S. financial regulations, you must complete identity verification (KYC) before initiating bank transfers.

Q4. Can I buy Bitcoin with ACH instantly?

Yes, some platforms allow instant Bitcoin purchases using ACH, but this depends on the exchange and your account history. In most cases, ACH deposits take 2–5 business days to fully settle.

Q5. Which wallet does not require ID verification?

Non-custodial wallets such as MetaMask or hardware wallets do not require ID verification to use, because you control the private keys.

Sources 

 

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How to Trade Crypto on BTCC?

This brief instruction will assist you in registering for and trading on the BTCC exchange.

Step 1: Register an account

The first step is to hit the “Sign Up” button on the BTCC website or app. Your email address and a strong password are all you need. After completing that, look for a verification email in your inbox. To activate your account, click the link in the email.

 

Create an Account

 

Step 2: Finish the KYC

The Know Your Customer (KYC) procedure is the next step after your account is operational. The main goal of this stage is to maintain compliance and security. You must upload identification, such as a passport or driver’s license. You’ll receive a confirmation email as soon as your documents are validated, so don’t worry—it’s a quick process.

 

Complete KYC

 

 

Step 3. Deposit Funds

After that, adding money to your account is simple. BTCC provides a range of payment options, such as credit cards and bank transfers. To get your money into your trading account, simply choose what works best for you, enter the amount, and then follow the instructions.

  • Fiat Deposit. Buy USDT using Visa/Mastercard (KYC required).
  • Crypto Deposit. Transfer crypto from another platform or wallet.

 

Deposit Funds

 

Step 4. Start Trading

If you wish to follow profitable traders, you might go for copy trading, futures, or spot trading. After choosing your order type and the cryptocurrency you wish to trade, press the buy or sell button. Managing your portfolio and keeping track of your trades is made simple by the user-friendly interface.

 

Start Trading

 

Look more for details: How to Trade Crypto Futures Contracts on BTCC

 

BTCC FAQs

Is BTCC safe?

Based on its track record since 2011, BTCC has established itself as a secure cryptocurrency exchange. There have been no reports of fraudulent activity involving user accounts or the platform’s infrastructure. By enforcing mandatory know-your-customer (KYC) and anti-money laundering (AML) procedures, the cryptocurrency trading platform gives consumers greater security. For operations like withdrawals, it also provides extra security features like two-factor authentication (2FA).

Is KYC Necessary for BTCC?

Indeed. Before using BTCC goods, users must finish the Know Your Customer (KYC) process. A facial recognition scan and legitimate identification documents must be submitted for this process. Usually, it is finished in a few minutes. This procedure has the benefit of strengthening the security of the exchange and satisfying legal requirements.

Because their accounts will have a lower daily withdrawal limit, those who do not finish their KYC are unable to make deposits. It should be noted that those who present a legitimate ID without a facial recognition scan will likewise have restricted withdrawal options.

Is There a Mobile App for BTCC?

Indeed. For users of iOS and Android, BTCC has a mobile app. The exchange’s website offers the mobile app for download. Since both the web version and the mobile app have the same features and capabilities, they are comparable.

Will I Have to Pay BTCC Trading Fees?

Indeed. BTCC levies a fee for trade, just like a lot of other centralised exchanges. Each user’s VIP level, which is unlocked according to their available money, determines the different costs. The BTCC website provides information on the charge rates.

Can I Access BTCC From the U.S?

You can, indeed. According to its website, BTCC has obtained a crypto license from the US Financial Crimes Enforcement Network (FinCEN), which enables the cryptocurrency exchange to provide its services to investors who are headquartered in the US.

According to BTCC’s User Agreement document, its goods are not allowed to be used in nations and organisations that have been sanctioned by the United States or other nations where it has a licence.

 

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Disclaimer: The views and opinions expressed in this article are solely those of the author and are for informational purposes only. They do not constitute investment, legal, or any other professional advice. The content does not represent the official position of BTCC and should not be interpreted as an endorsement or recommendation of any specific product or service.
Please be aware that all investments involve risk, including the potential loss of part or all of your invested capital. Past performance is not indicative of future results. You should ensure that you fully understand the risks involved and consider seeking independent professional advice suited to your individual circumstances before making any decision.
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