How to Buy Bitcoin With ACH

As a citizen who has bank account, you can buy Bitcoin instantly with ACH payment in USA.

But you will need to understand how to buy BTC online with US bank account, following these guidelines am going to show you today.

If you own US bank account with online banking access, you may want to buy BTC with ACH bank transfer (sometimes called eCheck).

Bank of America, Wells Fargo, Citigroup and Chase they all support ACH. Buying Bitcoins with direct ACH payment usually comes with lower fees as opposed to credit card.

It also allows you to buy Bitcoin online in more significant quantities than with other methods.

In this guide, we are covering the best ways to instantly buy Bitcoin directly using ACH bank online account, without hassle of any sort.

So let’s begin already.

Shall we?

Where can I buy Bitcoin with ACH transfer?

There are many ways to buy Bitcoin with ACH, but am only going to list out the best among these platforms where you can get BTC with ACH bank transfer.

1. eToro


eToro is a trading platform that allows users to easily start buying and selling Bitcoins. They recently opened up their services to over 30 states around US and accepts ACH transfers.

Withdrawing your Bitcoin requires sending them to eToro’s proprietary wallet first, which may take up to 3 days for approval.

Due to this, eToro is more suited to invest in Bitcoin for profit, so you can cash it out later in fiat (e.g. USD) There are no deposit fees for ACH transfers with eToro.


  • Diverse selection of markets
  • Excellent reputation
  • User-friendly interface
  • Great customer support
  • Low fees


  • Bitcoins can only be withdrawn in the form of fiat currency

2. Coinbase


Coinbase, established in 2012, is one of the oldest exchanges around.

Coinbase is a brokerage service which is more suitable for beginners but it also has a trading platform called Coinbase Pro for more experienced traders.

On Coinbase, ACH transfers are completely free of deposit fees (unlike wire transfers).

The transfer typically takes 3-5 business days (which may be as many as 7-10 calendar days, depending on the timing of weekends and other bank holidays) to complete after initiating a purchase.

You may see funds immediately debited from your bank account when you initiate the transfer, but the funds will not be transferred to your wallet until your payment has finished moving between bank protocols.


  • Established reputation
  • User-friendly interface
  • High liquidity
  • Large purchasing limits
  • Strong security


  • Support takes time to respond
  • Slow bank transfers

3. Gemini


Gemini, established in 2015 by Tyler and Cameron Winklevoss, is one of the leading exchanges for buying Bitcoins in the US. ACH transfers are completely free of deposit fees on Gemini.

Although your bank balance may show your financial funds have left sooner, it typically takes at least 4-5 business days for a bank to communicate this to Gemini.


  • Ability to set real-time market limit orders
  • Low fees
  • Clean user interface
  • Strong reputation
  • Great customer support


  • Exclusive to a limited number of countries

How do you buy Bitcoin with ACH on eToro?

If you want to buy bitcoin using ACH then you have to find a reputable exchange or marketplace that will let you do it.

How To Buy Bitcoin With ACH On eToro Summary

  1. Create an account with eToro
  2. Verify your account
  3. Connect your bank account and fund your portfolio
  4. Go to ‘Bitcoin’ and select the amount you wish to buy
  5. Bitcoins will be added to your eToro portfolio

That’s it!

You have successfully purchased bitcoin with ACH transfer as the payment method.


I will like to answer some of the obvious frequently asked questions I found online right here…

What is ACH?

ACH (Automated Clearing House) is a popular way for the citizens of United States, and some other countries normally use to send or even receive payments using the money in their bank account.

It is a batch processing system in which financial institutions accumulate transactions throughout the day for later batch processing, and that’s why the process takes a bit longer than buying Bitcoin with credit card.

However, it is also possible to buy Bitcoins with bank ACH transfer, even if you are not a US citizen. But you have to own an US-based account.

How does ACH work?

The ACH system is designed to accept payments in batches and includes payments such as direct deposits, payroll, retail, and vendor payments.

Where does ACH work?

ACH systems can be found all over the world – in various countries on different continents. Below you can find the full list of countries that use the ACH banking system.

  • Albania
  • Argentina
  • Australia
  • Austria
  • Bahamas
  • Bangladesh
  • Belgium
  • Brazil
  • Bulgaria
  • Canada
  • Cayman Islands
  • Chile
  • China
  • Colombia
  • Croatia
  • Czech Republic
  • Denmark
  • Egypt
  • France
  • Germany
  • Greece
  • Hungary
  • Hong Kong
  • India
  • Iran
  • Israel
  • Italy
  • Japan
  • Latvia
  • Mexico
  • Moldova
  • Netherlands
  • Nigeria
  • Pakistan
  • Philippines
  • Poland
  • Portugal
  • Peru
  • Macedonia
  • Romania
  • Saudi Arabia
  • Singapore
  • Slovenia
  • South Africa
  • South Korea
  • Spain Sweden
  • Switzerland
  • United Kingdom
  • United States
  • Venezuela

If you don’t see your region in the list, then you should simply check other ways to buy Bitcoin with bank credit or debit card.

Can you buy Bitcoin with ACH no verification?

No way!

You cannot buy Bitcoin with ACH bank transfer without ID verification. Most of the Bitcoin exchanges (like Coinbase) require that you verify your ID, before you can send and receive BTC with your Bitcoin address.

Buying Bitcoin with ACH account

At the moment, the range of options for buying Bitcoin with ACH instantly is a bit limited, and surely, as more exchanges expand into the US, they’re also going to support ACH transfers.

As for now, the exchanges listed above should give you a good enough solution, as all of them are reputable and well established exchanges.

While you can buy Bitcoin with bank account ACH, one of the best investment strategy, is to transfer your crypto investment to a safe cryptocurrency wallet.

If you want my advice, I would recommend you get Ledger Nano wallet, but if you don’t have enough money to invest in buying BTC hardware wallet, you can simply download Trust mobile app wallet, as it also one of the most secure hot wallets in the market.