BitPay aims to make it easy and convenient for our customers to buy crypto. Whether you want to buy Bitcoin with a credit card or Ether with Apple Pay, we know everyone has their preferences. And now, you can buy crypto with your bank account! The process is fast and secure. We partner with the top marketplaces in cryptocurrency to make sure you get the best rates and have flexibility in how you make your buys. See just how easy it is to buy crypto with ACH in our handy guide.

How to buy crypto with your bank account

BitPay gives crypto buyers two easy ways to buy crypto with a bank transfer:

  • In the BitPay Wallet app
  • Online at BitPay.com

Buying crypto with your bank account in the BitPay Wallet app

Step 1: Get the app

Download the BitPay app from your preferred app store, or scan the QR code below. Already have the BitPay app? Skip this part.

Step 2: Tap “Buy Crypto”

Tap the "Buy" button on the app’s home screen to buy crypto from your bank account. In addition to Bitcoin (BTC), BitPay supports more than 60 of the most popular cryptocurrencies and stablecoins including Ethereum (ETH), Dogecoin (DOGE), Litecoin (LTC) and many more.

Step 3: Choose your amount and the cryptocurrency you wish to purchase

Enter the amount you’d like to convert to crypto, and the coin you want to convert.

Step 4: Choose Instant ACH Bank Transfer as your payment method

Along with ACH transfers, you can also buy crypto with a credit card, Apple Pay, Google Pay, or alternative local banking methods (where applicable).

Step 5: Review and chose your offers

BitPay partners with multiple crypto marketplaces to ensure you’ll always get the best possible rates, with no hidden fees or excessive markups. Choose the best offer available for you, and you’ll be automatically taken to one of our partner sites to enter your banking details and complete the transaction.

Note: Currently, Sardine is the only BitPay partner that offers instant ACH bank transfer payment options to US-based crypto buyers. Sardine uses Plaid to securely connect to your bank account, the same technology used by top fintech institutions to link bank details.

Buy 60+ cryptos with low fees and high limits

Get the BitPay App

Buy crypto with your bank account online at BitPay.com

Step 1: Choose your crypto

Visit BitPay's buy crypto page. Select from the top cryptocurrencies including Bitcoin, Ether, Litecoin, Bitcoin Cash, USDC, Polygon and tons more. Enter the amount of crypto you’d like to buy.

Step 2: Send to any wallet

Enter the address where you’d like to receive your crypto. You can send your crypto to nearly any self-custody wallet as long as you know your wallet address. If you don't already have a self-custody wallet, or would like to store your crypto in a new wallet, you may create a free BitPay Wallet.

Step 3: Pay with bank account and receive your crypto

BitPay aggregates offers from multiple partners to ensure you get the best possible rate. Look for the “Best Offer” flag. Once you’ve chosen your preferred offer, you’ll be taken to one of our partner sites to enter your banking details and complete the transaction. Your crypto will be sent to your wallet address and available to use near-instantly.

Note: Currently, Sardine is the only BitPay partner that offers instant ACH bank transfer payment options to US-based crypto buyers. Sardine uses Plaid to securely connect to your bank account, the same technology used by top fintech institutions to link bank details.


Why buy crypto with instant ACH bank transfers?

Instant ACH bank transfers

Securely and conveniently convert fiat from your bank account to crypto

Low fees

ACH bank transfer fees typically lower than credit cards

High limits

Buy up to $3k daily

Higher authorization rates

ACH payments typically see a 95% authorization rate

60+ coins across 20 chains

Buy a diverse array of coins and tokens to build your portfolio

Secure, self-custody experience

You still own 100% of the crypto you buy; no third party custody


Which cryptocurrencies can I buy with my bank account via BitPay?

Through the BitPay app or website, you can buy more than 60 top cryptocurrencies and stablecoins using your bank account to pay.

And many, many more. Use the BitPay widget to see all of the cryptocurrencies available for purchase.

What to do with your crypto after buying with a bank account transfer

Once you’ve obtained your Bitcoin or other cryptocurrency, you’re free to hold, swap or spend as you see fit. The BitPay app gives you total control over all of your assets, making it easy to:

Hold and store securely

Keep your crypto assets safe and secure in an easy-to-use, self-custody crypto wallet. You can even import additional wallets and manage them all from one place.

Swap coins

Easily exchange one digital asset for another in the BitPay app. Swap Bitcoin for Ethereum, Dogecoin, Bitcoin Cash and many other top cryptocurrencies.

Spend your crypto

You can also spend your crypto right from the app, either by connecting your wallet to a merchant that accepts crypto payments or buying gift cards with crypto from some of your favorite brands. Check out our Merchant Directory for a searchable list of businesses that accept crypto payments through BitPay.