如何使用借记卡购买比特币 – 5 个简单步骤

使用借记卡投资比特币快速、安全且方便。只需在安全的加密货币交易所开设账户，决定购买多少比特币，然后输入借记卡详细信息即可。购买的比特币将立即添加到账户余额中。

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.

现在，您可以在几分钟内使用借记卡购买比特币（$BTC）。为此，您需要一个具有安全加密货币交易的帐户。选择交易所后，您可以决定要购买多少比特币并输入借记卡详细信息。购买的比特币将立即添加到您的账户余额中。

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.

请继续阅读，了解 2024 年在哪里以及如何使用借记卡购买比特币的更详细的演练。我们还提供了一些关于保持安全和选择正确交易所的最佳实践。

How to Buy Bitcoin With Debit Card – 5 Simple Steps

如何使用借记卡购买比特币 – 5 个简单步骤

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 步流程，在几分钟内使用借记卡购买比特币：

Where to Buy Bitcoin With Debit Card

在哪里使用借记卡购买比特币

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

让我们仔细看看立即使用借记卡购买比特币的最佳地点。

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

1. eToro——2024 年购买比特币的最佳场所

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.

我们将 eToro 评为美国使用借记卡购买比特币的最佳网站。它获得了 FINRA 的监管批准，更不用说 ASIC、FCA 和 CySEC 了。这确保了在线投资时的安全性。 eToro 对居住在美国的客户的最低存款额为 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（包括借记卡）不收取存款费。支持Visa和MasterCard，付款即时到账。然后，客户每笔交易仅需 10 美元即可购买比特币，这使其成为平均成本的绝佳选择。 eToro 提供安全的网络和移动钱包以实现安全存储。它还支持最好的山寨币，包括以太坊、XRP 和莱特币。

Pros

优点

Regulated by tier-one financial authorities

受一级金融监管机构监管

Supports multiple cryptocurrencies and fiat currencies

支持多种加密货币和法定货币

User-friendly interface and beginner-friendly features

用户友好的界面和初学者友好的功能

Low minimum deposit and trading amounts

最低存款和交易金额低

Cons

缺点

Higher minimum withdrawal limits for some assets

某些资产的最低提款限额更高

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

2. Coinbase – 对于寻求安全比特币存储的初学者来说是一个不错的选择

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.

使用借记卡购买比特币时，Coinbase 是另一个受欢迎的选择，尤其是对于居住在美国的人来说。 Coinbase 支持即时 Visa 和 MasterCard 付款，仅需 2 美元。这使得 Coinbase 成为想要将股份保持在最低限度的首次投资者的理想选择。然而，使用借记卡时，Coinbase 会收取 3.99% 的费用。 200 美元以下的付款需支付固定费用。

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.

尽管如此，购买的比特币会立即添加到 Coinbase 钱包中。用户受益于强大的安全实践，包括 IP 地址/设备白名单、双因素身份验证和冷存储。 Coinbase 也是一家在纳斯达克上市的受监管交易所。除了比特币之外，Coinbase 还列出了最好的实用代币。

Pros

优点

Regulated by the SEC and listed on NASDAQ

受SEC监管并在纳斯达克上市

Beginners can get started with just $2

初学者仅需 2 美元即可开始

Supports multiple cryptocurrencies and fiat currencies

支持多种加密货币和法定货币

Immediate payments and fast crypto delivery

即时付款和快速加密货币交付

Cons

缺点

High fees compared to other exchanges

与其他交易所相比费用较高

Coinbase Card not available in all states

Coinbase 卡并非在所有州都可用

3. Exodus – Buy Bitcoin via an Established Decentralized Wallet    

3. Exodus – 通过成熟的去中心化钱包购买比特币

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 – 被认为是最好的去中心化加密货币钱包之一，还允许用户使用借记卡购买比特币。它已与获得许可的法定货币入口提供商合作，支持通过 Visa 和 MasterCard 进行即时支付。重要的是，不需要离开钱包界面。更重要的是，购买的比特币会立即添加到钱包余额中。

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.

费用结构由入口匝道提供商决定，但预计平均支付 3-5%。 Exodus 支持其他 50 个区块链，包括以太坊、狗狗币和 BNB 链。这使其成为多元化的绝佳选择。此外，Exodus 还提供适用于多种操作系统的本机软件，包括 Windows、Mac、iOS 和 Android。

Pros

优点

Buy Bitcoin directly from a decentralized wallet

直接从去中心化钱包购买比特币

Supports over 50 blockchains and hundreds of coins

支持超过50个区块链和数百种代币

Native software for multiple operating systems

适用于多种操作系统的本机软件

Excellent customer support and community engagement

出色的客户支持和社区参与

Cons

缺点

Fees can be high, especially for smaller purchases

费用可能很高，尤其是小额采购

Is a Debit Card the Best Way to Buy Bitcoin?

借记卡是购买比特币的最佳方式吗？

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.

仍然不确定使用借记卡购买比特币是否是最佳选择？请继续阅读，我们将借记卡购买与信用卡和银行转账等其他流行方式进行比较。

Buying Bitcoin With Debit Card vs. Credit Card

使用借记卡与信用卡购买比特币

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.

许多潜在的比特币投资者对于是否应该使用信用卡或借记卡购买比特币感到困惑。借记卡和信用卡都可以让用户立即购买比特币。这与在线购买任何其他产品或服务相同，交易是实时处理的。但是，在考虑每种付款方式时应考虑一些额外的因素。

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，金融专家总是建议在投资时使用借记卡而不是信用卡。尤其是在投资比特币等不稳定的数字资产时。这是因为信用卡付款是用借来的资金进行的。即使比特币价格下跌，也必须偿还这笔金额。

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

相比之下，借记卡付款是用投资者的钱进行的，这意味着它是直接支付的