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Buy bitcoin by payment method

The 90 rails people actually use to buy bitcoin across the 231 countries we cover, from global card networks to single-country systems like Pix, UPI and Fawri. Each page shows which exchanges take the rail, where it works, and what it is called locally. Bank rails are usually cheapest; cards are fastest; the country guides tie it all together.

Domestic bank rail

SEPA (euro area)

ACH (United States)

International wire

Card

Pay wallet

Local e-wallet

Mobile money

Peer-to-peer

Cash

Bitcoin ATM

Other

Frequently asked questions

What is the cheapest way to buy bitcoin?

Almost always a domestic bank transfer: rails like SEPA, ACH, Pix or Faster Payments are free or near-free to send, so the exchange charges you little or nothing to deposit. Cards settle instantly but typically add 1.5 to 4 percent in fees.

Why do payment methods differ so much by country?

Exchanges plug into whatever the local banking system offers. Brazil has Pix, Kenya has M-Pesa, India has UPI, the euro area has SEPA. The same exchange can take five different rails in five countries, which is why our country guides list the exact methods per exchange.

Can I buy bitcoin without a bank account?

In many countries, yes: mobile money (M-Pesa, MTN MoMo, Orange Money), cash trades through P2P marketplaces with escrow, and bitcoin ATMs all work without one. Each carries its own fees and risks, which the method pages here spell out.