如何使用金融卡購買比特幣 – 5 個簡單步驟

使用金融卡投資比特幣快速、安全且方便。只需在安全的加密貨幣交易所開設帳戶，決定購買多少比特幣，然後輸入借記卡詳細資訊即可。購買的比特幣將立即添加到帳戶餘額中。

You can now buy Bitcoin ($BTC) with a debit card in minutes. To do this, you’ll need an account with a secure cryptocurrency exchange. Once you’ve chosen an exchange, you can decide how much Bitcoin you want to buy and enter your debit card details. The purchased Bitcoin will be immediately added to your account balance.

現在，您可以在幾分鐘內使用金融卡購買比特幣（$BTC）。為此，您需要一個具有安全加密貨幣交易的帳戶。選擇交易所後，您可以決定要購買多少比特幣並輸入借記卡詳細資訊。購買的比特幣將立即添加到您的帳戶餘額中。

Read on for a more detailed walkthrough on where and how to buy Bitcoin with a debit card in 2024. We also provide some best practices on staying safe and choosing the right exchange.

請繼續閱讀，了解 2024 年在哪裡以及如何使用借記卡購買比特幣的更詳細的演練。

How to Buy Bitcoin With Debit Card – 5 Simple Steps

如何使用金融卡購買比特幣 – 5 個簡單步驟

You can buy Bitcoin with a debit card in minutes by following the 5-step process below:

您可以按照以下 5 步驟流程，在幾分鐘內使用金融卡購買比特幣：

Where to Buy Bitcoin With Debit Card

在哪裡使用金融卡購買比特幣

Let’s take a closer look at the best places to buy Bitcoin with a debit card instantly.

讓我們仔細看看立即使用借記卡購買比特幣的最佳地點。

1. eToro – The Overall Best Place to Buy Bitcoin in 2024

1. eToro－2024 年購買比特幣的最佳場所

We rate eToro as the best site in the USA to buy Bitcoin with a debit card. It holds regulatory approval from FINRA, not to mention ASIC, FCA, and CySEC. This ensures safety and security when investing online. eToro has a minimum deposit of $100 for clients residing in the USA.

我們將 eToro 評為美國使用金融卡購買比特幣的最佳網站。它獲得了 FINRA 的監管批准，更不用說 ASIC、FCA 和 CySEC 了。這確保了在線投資時的安全性。 eToro 對居住在美國的客戶的最低存款額為 100 美元。

No deposit fees are charged on USD payments, including debit cards. Visa and MasterCard are supported, and the payment is credited instantly. Clients can then buy Bitcoin from just $10 per trade, making it a great option for dollar-cost averaging. eToro offers a secure web and mobile wallet for safe storage. It also supports the best altcoins, including Ethereum, XRP, and Litecoin.

美元付款（包括金融卡）不收取存款費。支援Visa和MasterCard，付款即時到帳。然後，客戶每筆交易僅需 10 美元即可購買比特幣，這使其成為平均成本的絕佳選擇。 eToro 提供安全的網路和行動錢包以實現安全儲存。它還支援最好的山寨幣，包括以太坊、XRP 和萊特幣。

Pros

優點

Regulated by tier-one financial authorities

受一級金融監理機構監管

Supports multiple cryptocurrencies and fiat currencies

支援多種加密貨幣和法定貨幣

User-friendly interface and beginner-friendly features

使用者友好的介面和初學者友好的功能

Low minimum deposit and trading amounts

最低存款和交易金額低

Cons

缺點

Higher minimum withdrawal limits for some assets

某些資產的最低提款限額較高

2. Coinbase – A Great Option for Beginners Seeking Secure Bitcoin Storage

2. Coinbase – 對於尋求安全比特幣儲存的初學者來說是一個不錯的選擇

Coinbase is another popular option when buying Bitcoin with a debit card, especially for those residing in the USA. Coinbase supports instant Visa and MasterCard payments from just $2. This makes Coinbase ideal for first-time investors who want to keep stakes to a minimum. However, Coinbase charges 3.99% when using a debit card. Payments under $200 incur a flat charge.

使用金融卡購買比特幣時，Coinbase 是另一個受歡迎的選擇，尤其是對於居住在美國的人來說。 Coinbase 支援即時 Visa 和 MasterCard 付款，僅需 2 美元。這使得 Coinbase 成為想要將股份保持在最低限度的首次投資者的理想選擇。然而，使用金融卡時，Coinbase 會收取 3.99% 的費用。 200 美元以下的付款需支付固定費用。

Nonetheless, the purchased Bitcoin is immediately added to the Coinbase wallet. Users benefit from robust security practices, including IP address/device whitelisting, two-factor authentication, and cold storage. Coinbase is also a regulated exchange with a NASDAQ listing. In addition to Bitcoin, Coinbase also lists the best utility tokens.

儘管如此，購買的比特幣會立即添加到 Coinbase 錢包中。用戶受益於強大的安全實踐，包括 IP 位址/裝置白名單、雙重認證和冷儲存。 Coinbase 也是一家在納斯達克上市的受監管交易所。除了比特幣之外，Coinbase 還列出了最好的實用代幣。

Pros

優點

Regulated by the SEC and listed on NASDAQ

受SEC監理並在納斯達克上市

Beginners can get started with just $2

初學者只需 2 美元即可開始

Supports multiple cryptocurrencies and fiat currencies

支援多種加密貨幣和法定貨幣

Immediate payments and fast crypto delivery

即時付款和快速加密貨幣交付

Cons

缺點

High fees compared to other exchanges

與其他交易所相比費用較高

Coinbase Card not available in all states

Coinbase 卡並非在所有州都可使用

3. Exodus – Buy Bitcoin via an Established Decentralized Wallet    

3. Exodus – 透過成熟的去中心化錢包購買比特幣

Exodus – considered one of the best decentralized cryptocurrency wallets, also enables users to buy Bitcoin with a debit card. It has partnered with licensed fiat on-ramp providers, enabling instant payments via Visa and MasterCard. Importantly, there’s no requirement to leave the wallet interface. What’s more, the purchased Bitcoin is immediately added to the wallet balance.

Exodus – 被認為是最好的去中心化加密貨幣錢包之一，還允許用戶使用借記卡購買比特幣。它已與獲得許可的法定貨幣入口提供商合作，以支持透過 Visa 和 MasterCard 進行即時支付。重要的是，不需要離開錢包介面。更重要的是，購買的比特幣會立即添加到錢包餘額中。

The fee structure is determined by the on-ramp provider, but expect to pay 3-5% on average. Exodus supports 50 other blockchains, including Ethereum, Dogecoin, and BNB Chain. This makes it a great option for diversification. Moreover, Exodus offers native software for multiple operating systems, including Windows, Mac, iOS, and Android.

費用結構由入口匝道提供者決定，但預計平均支付 3-5%。 Exodus 支援其他 50 個區塊鏈，包括以太坊、狗狗幣和 BNB 鏈。這使其成為多元化的絕佳選擇。此外，Exodus 還提供適用於多種作業系統的本機軟體，包括 Windows、Mac、iOS 和 Android。

Pros

優點

Buy Bitcoin directly from a decentralized wallet

直接從去中心化錢包購買比特幣

Supports over 50 blockchains and hundreds of coins

支援超過50個區塊鏈和數百種代幣

Native software for multiple operating systems

適用於多種作業系統的本機軟體

Excellent customer support and community engagement

出色的客戶支援和社區參與

Cons

缺點

Fees can be high, especially for smaller purchases

費用可能很高，尤其是小額採購

Is a Debit Card the Best Way to Buy Bitcoin?

借記卡是購買比特幣的最佳方式嗎？

Still not sure if buying Bitcoin with a debit card is the best option? Read on as we compare debit card purchases to other popular methods, such as credit cards and bank transfers.

目前仍不確定使用金融卡購買比特幣是否是最佳選擇？請繼續閱讀，我們將金融卡購買與信用卡和銀行轉帳等其他流行方式進行比較。

Buying Bitcoin With Debit Card vs. Credit Card

使用金融卡與信用卡購買比特幣

Many potential BTC investors are confused about whether they should use a credit or debit card to purchase Bitcoin. Both debit and credit cards enable users to buy Bitcoin instantly. This is the same as buying any other product or service online, with transactions handled in real time. However, some additional considerations should be made when considering each payment method.

許多潛在的比特幣投資者對於是否應該使用信用卡或金融卡購買比特幣感到困惑。金融卡和信用卡都可以讓用戶立即購買比特幣。這與在線購買任何其他產品或服務相同，交易是即時處理的。但是，在考慮每種付款方式時也應考慮一些額外的因素。

For a start, financial experts will always advise using debit cards over credit cards when making investments. Especially when investing in volatile digital assets like Bitcoin. This is because credit card payments are used with borrowed funds. The amount must be repaid even if the Bitcoin price capitulates.

首先，金融專家總是建議在投資時使用金融卡而不是信用卡。尤其是在投資比特幣等不穩定的數位資產時。這是因為信用卡付款是用借來的資金進行的。即使比特幣價格下跌，也必須償還這筆金額。

In contrast, debit card payments are made with the investor’s money, meaning it’s paid for straightaway

相比之下，借記卡付款是用投資者的錢進行的，這意味著它是直接支付的