9 Best Exchanges To Buy Crypto With Fiat Currency

The first step to owning cryptocurrency is to find a reputable fiat to crypto exchange to convert cash into Bitcoin or other digital coins. We have compared over 60 crypto exchanges and rated the top platforms below. Our assessment is based on assessing the available assets, supported currencies, deposit methods, trading fees, security and more.

our Pick

Best Fiat Exchange For


Best Fiat Exchange For


Best Fiat Exchange For

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Best Fiat To Crypto Exchange

Based on our reviews, these are the top fiat to cryptocurrency exchanges:

  1. Coinbase (high quality, accepts several fiat cash)
  2. Binance (crypto exchange with low fees)
  3. eToro (world's largest social trading platform)
  4. Crypto.com (global cryptocurrency app)
  5. CEX.IO (highly suitable for beginners)
  6. Coinmama (fast, safe way to buy with fiat)
  7. Plus500 (leading CFD provider)
  8. Changelly (buy/sell crypto with credit cards)
  9. ChangeNOW (buy and swap crypto instantly)

Top Fiat To Crypto Exchanges: Reviews

We have picked these exchanges based on the most important user factors such as supported fiat currency, number of supported countries, reputation, trustworthiness, security and customer support. Before we get started, some exchanges require you to own a Bitcoin hardware wallet such as the Ledger Nano X. If you don't have a wallet, read our guide on the best cryptocurrency hardware wallets.

1. Coinbase

Coinbase is the most popular Bitcoin exchange in the world that is available in over 100 countries. Founded in June of 2012, Coinbase is a digital currency wallet and trading platform where merchants and consumers can transact with new digital currencies like Bitcoin, Ethereum, and Litecoin. 

Coinbase main service is to provide an exchange for users to buy and sell Bitcoin and other cryptocurrencies through a bank account, credit card and debit card. It is a very appealing medium for cryptocurrency investors. New cryptocurrency investors will often find themselves buying their first Bitcoin through Coinbase as a result of their strong reputation, marketing and user friendly-interface.


The exchange has been designed for ease of use and simplicity. The platform makes it easy for anyone to buy or sell cryptocurrencies regardless of their prior experience. There are no difficult options to select and without the hassle of advanced price charts, order book or market depth to confuse beginners. It is straight forward for the purpose of buying and selling coins.

Related: Coinbase Review: Should You Pay Higher Fees? Is It Worth It?

Given the exchange targets new users, the knowledge base is detailed and extensive that covers most topics and frequently asked questions. Customer support can be contacted by submitting a support ticket via email.

2. Binance

Binance in our opinion is the best cryptocurrency exchange in the world. The platform is super beginner-friendly, easy to use and offers a massive range of cryptocurrency pairs, innovative products, features, competitive fees and responsive customer support.

Since its inception in 2017, Binance has become the largest cryptocurrency exchange in the world by trade volume. Binance has attracted millions of users in multiple countries across the world and is often applauded in exchange reviews and social media. The exchange is also featured in advertising campaigns all over the world to attract new users to its platform.  

Related: Binance Review: Crypto, Trading & Fees 


Binance offers a wide range of products and features that include:

  • Buy crypto using over 60+ fiat currencies 
  • Supports multiple payment options such as bank deposit and credit/debit card
  • Basic and advanced trading charting to suit users of varying skill 
  • Margin trading platform to trade crypto with leverage
  • Derivatives and leverage tokens
  • A secure Binance wallet to store cryptocurrency assets
  • Binance saving accounts to earn interest on crypto
  • Stake coins like Cardano in Binance staking pools to earn rewards
  • Binance VISA Card to covert and pay with crypto

3. Crypto.com

Crypto.com is a digital asset platform that offers several cryptocurrency products and services in an effort to increase the adoption of crypto on a global scale. With over 1 million users on its platform, Crypto.com is a powerful alternative to traditional financial services that makes it easier to obtain cryptocurrencies using its mobile app.

Crypto.com app is available for Android and iOS mobile devices and provides an easy way to buy, sell, trade, spend, store, earn, loan cash and even pay bills with cryptocurrency! Like Binance, the exchange is constantly evolving to offers its customers new products and services in the digital asset space.

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Crypto.com offers several promotions and incentives to attract new users to its platform such as zero-fee cryptocurrency trading. Other benefits of using the Crypto.com app include: 

  • 0% trading fee for the first 90 days for new users
  • Up to 50% trading fee reduction on all trades for existing users of the Exchange
  • 2% bonus deposit interest rate for all deposits made by new users in the first 30 days  
  • Send crypto to Crypto.com App users instantly without fees
  • Buy Bitcoin with 0% credit card fees

Click here to read our full review on Crypto.com.

crypto.com zero fee


CEX.IO was established in 2013 and is one of the oldest cryptocurrency exchanges in the world that is trusted by over 3 million users. It is a world-class exchange that caters to all with its easy to use interface, making it ideal for beginners. The exchange provides a multi-level account system that is suitable for both Bitcoin beginners and institutional crypto traders.

CEX.IO prides itself on stability to provide trouble-free service backed by a system and user account security, safe cold cryptocurrency storage, financial viability, and profound legal compliance. To date, it is a reliable and safe cryptocurrency exchange with no hacked accounts or theft of funds on CEX.IO since its launch. 


CEX.IO is a popular exchange to buy Bitcoin instantly using its website or mobile app which is available on iOS and Android. With its low credit/debit card fees and zero bank transfer charges, CEX.IO is considered to be one of the best registered crypto exchanges in the world.

Related: CEX.IO Review: 5 Things To Know Before Using It (2020 Updated)

The interface is incredibly simple for first time crypto buyers with an easy to use widget. Simply enter the amount of Bitcoin to purchase, select the fiat currency to pay with (e.g. USD, EUR, GBP, or RUB) and click the 'Buy Now' button.

CEX.IO buy bitcoin

CEX.IO exchange provides a margin trading platform for professional traders which is popular among novice traders too. The fee schedule for trading on the advanced exchange is based on a maker and taker model that offers a rebate for traders that provide liquidity to the order books. Read our article explaining the basics of maker and taker fees and which one to use.

cex fees

CEX.IO is the perfect exchange for first time buyers to get started with cryptocurrency without hassles due to the simple and user-friendly interlace that also functions as a trading platform and brokerage service.

5. Coinmama

Coinmama provides a fast, safe and easy way to buy digital currency in almost all countries across the globe apart from a select few. The exchange provides the service to buy cryptocurrency using fiat such as AUD, EUR, USD and GBP and CAD. 

Coinmama accepts a wide variety of deposit methods to buy Bitcoin such as using a VISA or Mastercard credit and debit card, making it accessible for everyday investors to get started with cryptocurrencies in an easy to use and safe environment. 


In order to buy cryptocurrencies, users must submit their identification documents which be  Coinmama team. Once this process is completed, users can purchase up to $15,000 worth of cryptocurrency. Coinmama charges a flat 5.9% trading fee.

Related: Coinmama Review: Bitcoin, Trading & Fees

For credit/debit card transactions, Coinmama charges an additional 5% processing fee. This fee will be added after choosing your method of payment. This is a widely accepted method that will be available to customers all over the world. For bank transfer purchases using SWIFT or SEPA, the exchange does not deduct a deposit charge.   


As Coinmama does not store any digital coins on the exchange, the users will need to transfer their coins to a hardware wallet address. Coinmama will request the user to enter in a valid deposit address before completing the order. This means the exchange does not store any sensitive or personnel information and significantly reduces the risk of hackers and scams.

6. Changelly

Changelly is an instant cryptocurrency exchange that allows customers to buy cryptocurrency fast a bank card. The digital service searches for the best crypto prices available across the largest cryptocurrency exchange platforms such as Binance, Poloniex and Bittrex.

Changelly obtains the best available rates and remains approximate until the transaction is executed on the blockchain.


Changelly provides a transparent, simple, quick and user-friendly interface to buy or exchange cryptocurrencies which is evident on the home page. The simple interface will suit a variety of cryptocurrency investors from beginners to experienced.

Users can simply and immediately buy, sell and swap cryptocurrency on the exchange. Cryptocurrency purchases using a credit card will require a phone number to verify. This differs from a traditional crypto exchange where personnel identification documents are uploaded to verify the account holder.

Related: Changelly Review: Is It Still Safe & How It Works 

changelly buy

The process to purchase crypto with fiat is incredibly simple. Once you've selected and amount, Changelly will automatically calculate the available exchange rate, trade fee, network fee and estimated arrival. You will need to enter in a valid hardware wallet address to complete the purchase as coins are not stored on Changelly.

7. ChangeNOW

ChangeNOW is another popular crypto swap platform similar to Changelly that allows the instant exchange one crypto to another. With over 170 different cryptocurrencies on the platform, users are able to trade digital currencies at any time in a safe way as the crypto coins are sent directly to your hardware wallet.

ChangeNOW provides the best crypto-to-crypto rates by aggregating prices from the world's largest and most popular exchanges (some are mentioned in this article). Once the best price for the particular asset is locked in by the platform, users have a certain amount of time to finalize the trade by depositing funds and the transaction is confirmed on the blockchain. 

changenow website

ChangeNOW has introduced the ability to buy cryptocurrency using a debit card or credit card through their partnership with Simplex. The fees are slightly higher but may be the only purchase method available in your country.

Related: ChangeNOW Review: Crypto Swaps, Trading Fees & More 

If you intend to use ChangeNOW to purchase digital assets, you will need to complete a KYC process in accordance with financial regulations. To verify your account, the following documents are required: 

  • International passport
  • National ID card
  • Driving license

8. eToro

eToro is global financial brokerage that provides financial trading and investing platform that includes a variety of markets such as Crypto, ETFs, Stocks, Indices, Commodities and Forex. They are well known for offering CFDs to trade and their social trading platform where users are able to copy trade from some of the most profitable traders or get copied yourself to earn a second passive income. 

Click here to read our full review on eToro.

etoro login

To get started with eToro, users need to verify their account by uploading photo identification to confirm their identity. The verification process has been known to take several days and users will be notified as soon as verification is complete. Once the account verification process has been completed, a check-mark will show next to the username of the user’s profile.

67% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money. Cryptoasset investing is unregulated in most EU countries and the UK. No consumer protection.

The crypto exchange supports a wide range of fiat payment options including credit/debit card, PayPal, Skrill, Wire Transfer, WebMoney, WeChat, UnionPay and others depending on the user's location. eToro does not charge a deposit fee. However, there is a $5 fee for withdrawals in which the minimum withdrawal amount is $50.


There you have it. Our list for the top crypto exchanges in the world to buy digital currencies are:

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Kevin Groves
Kevin is the founder of hedgewithcrypto and is passionate about blockchain technology. He has been involved with Bitcoin since 2016 and is a swing trader with over 10 years of experience. He loves trading crypto using various platforms and helping others learn about cryptocurrencies via hedgewithcrypto.