Buy Bitcoin with ACH Bank Transfer

If you own US bank account with online banking access (Bank of America, Wells Fargo, Citigroup, Chase etc.), you may want to buy bitcoins with direct ACH payment. Buying bitcoin with ACH transfer usually comes with lower fees as opposed to credit card. It also allows you to buy bitcoin online in larger quantities than with other methods. The ACH Network is a batch processing system in which financial institutions accumulate transactions throughout the day for later batch processing. That is why the process takes a bit longer than if you by bitcoins with credit card which is usually instantly. It is also possible to buy bitcoins with ACH even if you are not a US citizen, you just have to own an us-based account. The companies listed below let you buy bitcoin using ACH bank transfers.

Buy bitcoins with ACH Bank Transfer at Circlerecommended option

Currently, the best option to buy bitcoin with ACH is Circle. They have nice and quick verification process. You have to verify your email, upload id and take a selfie shot either by their smartphone app or via your computer’s webcam. After verification you can easily link your bank account via ACH verification process. You start with $300 per week buying limit. When your account is eligible, their system will increase your limit to $3,000, but you have to contact them for that. You can add your US based bank account even if you are not a US resident. Circle doesn’t officially charge a fee, but its exchange rate is usually 1% higher than at other bitcoin exchanges. What we do not like so much is that you will wait for your bitcoins to arrive about 3-4 days.

Buy bitcoins with ACH Bank Transfer at Coinbase

Coinbase is one of the best bitcoin wallets and probably the world’s largest bitcoin broker. It allows users to purchase bitcoin by directly transferring money from a bank account and this is a standard option. In the United States linking a bank account can be done using instant account verification (by providing your online bank account credentials). The exchange also supports secure credit and debit cards to purchase bitcoins instantly. If you buy more than $100 worth of bitcoin through this link, you’ll get $10 of free bitcoin. Coinbase charges a flat 1% fee on all transactions and you’ll have to wait five days to receive your coins.

Supported banks at Coinbase

Buy bitcoins with ACH Bank Transfer at Snapcard

With the Snapcard bitcoin wallet, you’re able to buy bitcoins with ACH transfers with a low 0.5% processing fee. Use Snapcard to buy, sell, store, send and receive digital currencies. When prompted, you’re able to connect your bank account to the Snapcard bitcoin wallet. This is instant and allows you to start buying bitcoin immediately after verification. You can also buy Dogecoin and Litecoin. You will pass the verification only if you are a US based.

Buy bitcoins with ACH Bank Transfer at Gemini

Gemini is a bitcoin exchange based in New York City and operating in the United States. It serves both individual and institutional clients. You can fund your exchange account via ACH transfer or alternatively with wire transfer. Currently available in 26 U.S. states only. They do not charge fees for any ACH payments (both deposits and withdrawals) and that is incredible. ACH transfers will take at least five (5) business days to become available in your account (but could take longer). Available if you have US bank account and adress.

Buy bitcoins with ACH Bank Transfer at Uphold

Uphold is a full financial platform for moving, converting​, transacting ​and holding any form of money or commodity.. If you’re based in Europe or the United States, and want to purchase some bitcoin, you can add funds to your Uphold account (please note that transfers with ACH bank account are available only to U.S. citizens with a U.S. ID.). Beside bitcoin, you can also buy gold and all sorts of digital currencies here. Before you begin with ACH deposit, please make sure you are a verified member (in most cases, verification is complete within minutes). Uphold does not charge any fees when funded from your bank account. First $12.000 per year withdrawals are free, after a fee applies: 0.5%.

Buy bitcoins with ACH Bank Transfer at Celery

Celery is another bitcoin broker and serves the U.S. and Canada. The website has great usability and all the verification and buying process is done very nice. You can buy bitcoin with a connected bank account via ACH transfer. In theory, Celery charges a flat 1% fee on all transactions and your coins will be delivered within 5 days. But despite we did everything requested, we were not able to buy bitcoins as our order was rejected multiple times. We contacted the support, but they did not answer our emails. All in all, Celery might not be your best friend.


  • Please check also other options to buy bitcoins with bank account.
  • ACH stands for Automated Clearing House. This network allows moving money and information from one bank account to another through direct deposits and payments. Currently supports more than 90% of the total value of all electronic payments in the U.S. As such, the ACH Network is now one of the largest, safest and most reliable payment systems in the world, creating value and enabling innovation for all participants. See Wikipedia for more info.
  • Some of current direct financial institution members of ACH are: Bank of America, Wells Fargo, Chase, Merrill Lynch, Capital One, Silicon Valley Bank, Citibank and others.
  • If you are an exchange or some other bitcoin service that would like to integrate ACH direct payment into your business, Dwolla has a white-label solution for this. Your customers simply select their bank, log in with their bank credentials, link the bank account they’d like to use and they are on their way to quick and easy payments inside your application.

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