Buy Bitcoin with ACH Transfer

If you are an owner of a bank account in the US it’s easy to learn how to buy bitcoin with ACH transfer. This bitcoin guide will answer many of your questions, so read up to the end. With Coinbase you can buy bitcoins with ACH transfer instantly. Because we referred you, when you sign up and buy or sell $100 of bitcoin or more, you’ll earn $10 of free bitcoin!

Summary: Buy Bitcoin with ACH Transfer

Using a Web Browser

  1. Proceed to Coinbase, it’s the most popular bitcoin exchange in the US.
  2. Complete the verification process (if needed).
  3. Go to the Buy/Sell page.
  4. Enter the BTC amount you want to buy.
  5. Select the wallet you wish to have your funds deposited into.
  6. Select your desired payment method (credit/debit card or bank account).
  7. Confirm the buy order is correct and click “Buy Bitcoin Instantly”.
  8. Your bitcoins will be delivered to your Coinbase BTC wallet immediately (3-5 business days at other exchanges).
  9. Transfer them to your hardware bitcoin wallet to securely store your bitcoin for the long term (optional).

Using the iOS & Android Apps

  1. Create a Coinbase account and download iOS or Android app.
  2. Tap the menu icon near the top left of the screen to open the Navbar.
  3. Select Buy from the Navbar.
  4. Enter the amount in bitcoins (BTC) that you wish to buy.
  5. Select the bitcoin wallet you want to deposit into.
  6. Select your preferred payment method (credit/debit card or bank account).
  7. Review your order and tap Buy bitcoin.

P.S. Coinbase allows customers from the United States to buy bitcoin instantly with their US bank accounts (ACH transfer).

Coinbase Buy Bitcoin Instantly Credit Card Bank Account

Safe Buying Bitcoin with ACH Transfer

First of all, the security of your funds and your account depend on the selected broker...

Process of Getting BTC with ACH Transfer

First, you would need to register an account at the chosen BTC broker...

Purchase Bitcoins at Coinbase

Due to wide regional coverage and high liquidity Coinbase is one of the most...

Buying Bitcoin with ACH Bank Transfer on Uphold

On this peer-to-peer (P2P) cloud platform the transaction fees stand at...

Order Bitcoin with ACH via GDAX

This bitcoin provider in the US offers ACH transfer for a low transaction...

Pros and Cons Getting BTC with ACH on Celery

Bitcoin exchange that serves the US and Canada was of one of the favorite bitcoin providers until...

If you have an US bank account, you are eligible to purchase bitcoins through a direct Automated Clearing House (ACH) transfer. The transfer could be used through any US bank (Bank of America, Chase, Citigroup, Wells Fargo and many others) and usually comes at very low transaction fee of up to 2%.

Buy bitcoin with ACH transfer

Do keep in mind that to buy bitcoins with ACH transfers takes a lot longer time (normally up to five business days and instantly at Coinbase) than credit cards, which are instantaneous. Since these transfers are longer than other purchase methods, the high verification levels are usually required by exchanges.

Is It Safe to Buy Bitcoin with ACH Transfer?

The security of your funds and your account depend on what bitcoin exchange broker you chose to trade with. You would be required to give your full details of your bank account for ACH to take place and the transfer process could take quite a while – up to five days (instantly at Coinbase).How Does ACH Transfer Works

So make sure you work with reputable bitcoin brokers that would not misuse the information you give them about yourself and the bank account. Regularly check forums and websites that list issues and scam lists of brokers before you issue the request for bitcoin purchase.

How to Get BTC with ACH Transfer?

The process itself is very simple from your side of the transaction. First, you would need to register an account at the chosen BTC broker that accepts bitcoin payments via ACH. In most cases, you would be required to verify your ID and your address before you can proceed to purchase BTC.

Register an account at Coinbase

After the verification process, check their fees as they usually are very low compared to other purchase methods. Go to the buying pages of the chosen broker and choose a number of funds you wish to trade through ACH to bitcoins. Within a week, your BTC amount would be transferred to your wallet as the bank transfer is processed.

Buy Bitcoins with ACH Bank Transfer at Coinbase

Coinbase is one of the most popular bitcoin exchanges globally and in the US, due to its wide regional coverage and high liquidity. The transaction fees stand at 1.49% of the trade value, while ACH transfer would take up to 5 business days to be processed (instantly starting from October 2017) but if you link your account’s credit card, the transaction would be processed instantly.

Buy bitcoins with ACH at Coinbase


  • high liquidity;
  • wide global coverage;
  • credit card linkage decreases ACH processing time.


  • full verification needed;
  • the broker is known to track trader’s activities.

Order Bitcoin with ACH Transfer on Uphold

Uphold is peer-to-peer (P2P) cloud platform that, apart from bitcoins, also holds a marketplace for other online and physical commodities, such as gold, altcoins and other assets. The transaction fees stand at 0% for bitcoin purchase and the conversion fee stands at 0.75%. The verification is needed and the ACH transfer would take up to 5 business days to be processed.

Order bitcoin with ACH transfer on Uphold


  • a variety of the bitcoin offers;
  • possibility to purchase other commodities.


  • the possibility of scams in the platform;
  • funds and bitcoins would be located in the website’s wallet.

Purchase BTC with ACH via GDAX

GDAX is another bitcoin provider in the US that offers ACH transfer for a low transaction fee (possible even to have no fees if the account is fully verified). The site’s services are available in most of the EU countries and in some US States (unsupported States are Wyoming, Hawaii, and Minnesota).

Purchase BTC with ACH via GDAX


  •  the possibility of no fees;
  •  connected with Coinbase and its BTC supply.


  • verification needed for ACH transfer;
  • not all US States are covered.

Buy Bitcoins with ACH Bank Transfer Through Gemini

Based in the US, Gemini offers bitcoins via ACH transfer for free while the taker’s fees stand at 0,25% to free as well, depending on the verification level and trading volume. The biggest downside of the BTC purchase at Gemini is limited service coverage of only 26 US States.

Buy bitcoins with ACH through Gemini


  • low to no transaction fees;
  • possibility for institutions to trade as well.


  • verification needed for higher limitations;
  • limited availability.

Get BTC with ACH at Celery

Another bitcoin exchange that serves the US and Canada. Celery was of one of the favorite bitcoin providers until their transaction fees were raised to 10%. The ACH transfer could be done through full verification of your account and would take 5 business days for funds to arrive at the destination.

Get BTC with ACH at Celery


  • the short buying process;
  • all US and the Canadian States are covered.


  • high 10% transaction fee;
  • full verification required.


If you are looking for a cheap variant on bitcoin purchase and you either live in the US or have an American bank account, ACH transfer is a valid option for you to use. It is cheap and reliable tools to get BTC, though do take into account that the transfer would take up to five business days if you do not provide your account’s credit card.

Should you have any question concerning ACH transfer that has not been covered by this guide, feel free to contact us at BitcoinBestBuy.

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