8 Best Fiat To Crypto Exchanges

Posted: Nov 19th, 2019Updated: Dec 1st, 2021
buying crypto with fiat
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 100 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.
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Best Fiat To Crypto Exchange

Based on our reviews, these are the top fiat to cryptocurrency exchanges:
  1. Coinbase (best exchange overall)
  2. Binance (best for low trading fees)
  3. eToro (best for social trading)
  4. Crypto.com (best for mobile app)
  5. CEX.IO (best for beginners)
  6. Coinmama (best for payment options)
  7. Changelly (best for credit cards)
  8. ChangeNOW (best for instant swaps)

Fiat To Crypto Exchange Comparisons

We have individually selected and compared the best exchanges to buy cryptocurrency using local fiat currency. Each exchange has been rated according to important aspects such as deposit methods, fees, limits and customer support.
ExchangeCrypto AssetsTrading FeesRatingPromotionWebsiteReview
Coinbase Logo


Overall 4.8/5StarStarStarStarEmpty Star
$5 BTC bonus (USA only)Visit CoinbaseCoinbase Review
Binance Logo


Overall 4.8/5StarStarStarStarEmpty Star
20% off trading feesVisit BinanceBinance Review
eToro Logo


200+Spread only
Overall 4.5/5StarStarStarStarEmpty Star
None available at this timeVisit eToroeToro Review
Crypto.com Logo


Overall 4.5/5StarStarStarStarEmpty Star
None available at this timeVisit Crypto.comCrypto.com Review
cex.io logo


84+0.25% / 0.16%
Overall 4.2/5StarStarStarStarEmpty Star
None available at this timeVisit CEX.IOCEX.IO Review
coinmama logocoinmama logo


72% to buy
Overall 3.9/5StarStarStarEmpty StarEmpty Star
None available at this timeVisit CoinmamaCoinmama Review
changelly logo


Overall 4.2/5StarStarStarStarEmpty Star
None available at this timeVisit ChangellyChangelly Review

Top Places To Buy Crypto With Fiat: Reviews

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 is one of the best trading platforms in the world with over 35 million verified users, supported in more than 100 countries and seen 320 Billion in total volume traded.
The popular exchange has revolutionized the digital currency environment by providing a simple and easy to use platform for individuals and institutions to buy, trade, store and sell digital assets such as Bitcoin, Ethereum XRP, Litecoin and many others. It is a highly regarded exchange with insurance protection that is supported worldwide and support for popular cryptocurrency assets. 
coinbase websitecoinbase website
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.
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.
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
binance websitebinance website

3. 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. Etoro was established in 2007 and has grown into a popular online trading platform that is highly visual, intuitive and beginner-friendly. The broker is used by millions of investors and traders across multiple jurisdictions in the world.
Overall 4.5/5StarStarStarStarEmpty Star
Trading Fees:Spread only
Country:Global (USA allowed)
Currency:USD, GBP, EUR, AUD
Promotion:None available at this time
Ease of useStarStarStarStarEmpty Star
ReputationStarStarStarStarEmpty Star
Deposit methodsStarStarStarStarEmpty Star
FeesStarStarStarStarEmpty Star
eToro disclaimer: 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 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.
eToro is a leading social trading platform that offers cryptocurrency, stocks and CFD trading. Users on the platform can connect with like-minded traders and join a community to discuss trading strategies or automatically copy-trade successful traders and portfolios.
etoro websiteetoro website
There are traditional assets and 94 cryptocurrency pairs that can be traded against altcoins or fiat currencies. Investors in the US and the UK can purchase the actual crypto asset whereas investors in other regions such as Europe and Australia can buy CFD's only.
eToro is best known for their social trading community where traders can join and connect with other traders around the world to share ideas and strategies. The copy-trader feature allows individual traders find and mirror the trading performance of profitable traders using a filter system to discover an investor's portfolio. Traders can choose a trader to follow based on their return on investment, risk tolerance and the number of other followers.

4. Crypto.com App

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 3 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.
Get $50 FREE When you get a MCO Card and use our referral code 45h3ct59tv. Get your card now!
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.
Crypto.com offers several promotions and incentives to attract new users to its platform such as: 
  • 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
Crypto.com App is available worldwide to purchase cryptocurrency using a debit card or credit card including US residents. Accepted countries include the USA, Australia, Singapore, the UK and several jurisdictions within Europe.
In short, Crypto.com App is a legitimate platform for mobile devices that allows investors all around the world to easily and securely obtain cryptocurrencies such as Bitcoin and Ethereum with a debit/credit card.


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 highly suitable for beginners and astute investors.
Overall 4.2/5StarStarStarStarEmpty Star
Trading Fees:0.25% / 0.16%
Country:Global (USA allowed)
Currency:USD, GBP, EUR & RUB
Promotion:None available at this time
Ease of useStarStarStarStarEmpty Star
ReputationStarStarStarStarEmpty Star
Deposit methodsStarStarStarStarEmpty Star
FeesStarStarStarStarEmpty Star
Individuals can buy Bitcoins instantly using the website or mobile app which is available on iOS and Android. With its supporting multiple payment methods, including credit cards, debit cards, bank transfers, Skrill and more, CEX.IO is considered to be one of the best platforms for crypto trading.
The exchange offers a wide variety of products and trading tools for the most popular crypto assets such as Bitcoin (BTC), Bitcoin Cash (BCH), Ethereum (ETH), XRP, Stellar (XLM), Litecoin (LTC), Tron (TRX) and many others.
cex.io websitecex.io website
CEX.IO users have access to several features such as:
  • Quick and easy to purchase and sell crypto
  • Deposit fiat using a credit/debit card, bank transfer and Skrill
  • High liquidity order-book with low spreads
  • Secure wallet using offline cold storage measures
  • Mobile app with the Instant Exchange and Instant Sell services. The later is unique to the platform which allows users to sell coins instantly withdraw fiat profits to a VISA or Mastercard or to CEX.IO balance
  • Allows residents in the US to buy crypto with credit cards
  • CEX.IO Staking to increase returns by cryptocurrency staking on the exchange
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.

6. 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 is a fiat-to-crypto exchange that allows individuals to buy cryptocurrencies using local fiat currency. The platform accepts a wide variety of deposit methods to buy Bitcoin such as using a VISA or Mastercard credit and debit card, bank transfer, Apply Pay, Credit card/debit cards and SWIFT. 
The user experience on Coinmama has been carefully thought out and is designed to suit all types of individuals with various levels of investing knowledge. The website provides simple options to purchase Bitcoin or another cryptocurrency for a set price or choose the exact amount to spend.
coinmama websitecoinmama website
A great feature with Coinmama is that it is a non-custodial exchange. Brokers such as Coinmama are one of the safest places to buy crypto as the platforms do not store any customer's funds or digital assets. Customers are required to provide a wallet address before completing the transaction. Once the payment is provided, the coins are delivered straight to the user's wallet address eliminating the risk of hackers stealing the funds.
Coinmama fees are based on a Bitcoin Index that provides a reference rate for the prices of each supported asset. The purchase fees include a 2% premium on top of the Bitcoin Index price and commission fees up to 3.9% depending on the payment method. For credit card, debit card, prepaid and virtual card payments, there is a 5% surcharge for fixed-rate instant purchases. There is no added fees for bank transfer. The final trade fee is displayed on the screen before the transaction is confirmed.

7. 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 is one of the most popular trading platforms in the world that offers 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.
The platform is also widely known for their instant crypto-to-crypto service. The crypto swap platform has gained the trust of users over several years by providing a stable, transparent, fast and user-friendly interface to swap crypto assets quickly to another and also buy crypto with a debit or credit card.
changelly websitechangelly website
Changelly uses a trading algorithm that integrates into some of the largest cryptocurrency exchanges today to aggregate the best crypto rates. When a user selects a trading pair to exchange, the platform will search its liquidity partners to find the best available exchange rates for the selected pair. The conversion rate is locked in until the transaction is confirmed on the blockchain. The nature of the platform allows Changelly users to find the best price across multiple exchanges.
Once the transaction is completed, the assets are transferred directly to the provided wallet address. Changelly provides the infrastructure to support the exchange of coins, however, does not store or keep the assets on its exchange. This provides a safe and secure environment as there is no risk of losing the private keys to Bitcoin or another asset trading on the platform.

8. 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 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.
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
changenow websitechangenow website


That's a wrap on our list of the best fiat-to-crypto exchanges. Our top-rated pick is Coinbase due to its availability worldwide and support for a wide range of deposit methods and currencies. The fees can be a little high for certain payment methods, however, it is a safe and reputable company to buy, store and sell digital assets.
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Kevin GrovesKevin GrovesKevin GrovesKevin is the founder and chief editor at hedgewithcrypto that he started in 2019 which has reached over 1.5 million visitors worldwide. He is passionate about cryptocurrency as an emerging technology and is heavily involved in the fast-growing fintech space. A professional trader growing his portfolio since 2016, he has a strong understanding of investing in the market using exchanges, brokers and derivatives platforms. After leaving his full-time job at the start of 2021, his mission today is to share information guides on crypto and to find the best exchanges via hedgewithcrypto through detailed reviews and comparisons. To stay up to date with the latest exchange reviews and guides on Bitcoin, trading, DeFi, staking and more, follow us via our newsletter and social media channels.
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