3 Best Ways to Buy Bitcoin with ACH Transfer

In our last piece, we talked about how to buy Bitcoin with a bank account/bank transfer.

This tutorial is sort of on the same topic, but it is focused fully on buying Bitcoin with ACH transfer. We will go through what you should consider when picking an exchange, give you the pros and cons of using ACH and then, of course, showing you the best options when you want to buy Bitcoin with ACH transfer. Let’s get into it, shall we?

What to consider when choosing exchange


The fees are probably the most important thing to consider when picking an exchange.


Good support is a must! Each exchange will have some fuckups or you will face some trouble no matter what exchange you decide to use, it’s sort of unavoidable (this is the same with other types of exchanges and services as well, so nothing unique for the cryptocurrency market). Since it is unavoidable, it is important that they, the exchange, take great care of the problem and help you out solving it. As well as answering potential questions.

Each exchange in this list has good support (since we have reached out to each one of them without mentioning our purpose of asking stupid, but relevant, questions). Even though some might take a few days to reach back it is to be expected since most exchanges see a surge of users right now.

Ease of use

We are in 2018, we don’t want to use services that aren’t easy and straight-forward. We believe buying Bitcoin should be easy so this is a big one in our opinion. However, a bulky/slow platform can be weighted out if the exchange is offering low fees, high limits or great support. We will talk about how easy each exchange is to use so that you know that even if you aren’t the most tech-savvy, you easily can navigate on the exchange.


Luckily for you, ACH transfers usually have some of the highest limits when it comes to how much money you can deposit weekly or annually. However, limits are only for those investing serious money into cryptocurrency since most exchanges accept deposits over $1,000/week. But if you want to go beyond that, you need to go through an identification process by submitting your ID and have an aged account, so that they know you are trustable.

Pros of using ACH transfer to buy Bitcoin

The limits are way higher when using ACH transfer to deposit funds to an exchange.

Lower fees than for example PayPal, credit card, etc.

It’s safe since the most trustable exchanges accept ACH transfer as a payment method.

It’s really easy to deposit money with an ACH transfer.

Cons of using ACH transfer

Since it involves using a bank, it takes a few days to complete (1-5 days).

You need to submit an ID to do it, which makes it non-private.


Overall, we really think that buying BTC with ACH transfer is a great choice due to the wide selection of exchanges you can pick between, the low fees and the fact that you can use the best exchanges on the market.

Now, we think it is time for what you all have been waiting for – the list of the best exchanges with ACH transfer.

Let’s jump right into the results of our extensive research!

Top 3 Best Ways to Buy Bitcoin with ACH transfers

1. Coinbase

Coinbase is the market leader, and that for a good reason. They are the ones responsible for making the masses join the cryptocurrency market with ease. With their easy-to-use interface as well as great wallet integration makes it the number one choice for ACH transfers in our opinion. Their fees are considered relatively high, but the fees are easy to overcome since they offer such a great solution for buying, storing and selling Bitcoins – all on one platform!

They even have an app that you can use to access the exchange and wallet at any time, in case of you wanting to sell your Bitcoins quickly or using them to buying goods in person (more and more stores are accepting Bitcoin as a payment method, but it will probably take a year or two more before that’s a standard). Their support is top-notch which also makes it a great option if it is your first time buying Bitcoin.

We highly recommend Coinbase to all our readers looking to buy Bitcoin with ACH transfer or by debit or credit card!



The next best option in our opinion is closely related to Coinbase – it is their sister-exchange, GDAX. The best thing about GDAX is that they have no deposit or withdrawal fees for ACH transfer. Yes, you read that right, NO FEES! The amount you deposit is the amount that will end up in your account funds. GDAX, or Global Digital Asset Exchange, is designed to help you easily trade USD for Bitcoin, Litecoin and Ethereum, and vice versa.

The only problem we see with GDAX, hence placing it on the second spot, is that their user interface can be a bit hard to understand at first. Our guess is that Coinbase is supposed for the newbies, and GDAX is more targetted towards the more experienced traders/users. However, if you are a beginner, and want to take apart of the 0% fees then learning your way in GDAX can be really worth it.

You won’t find any exchanges being able to offer as low fees as GDAX, and therefore, they are a great choice for those that want to max out their profits as much as possible.


3. Gemini

Last, but not least, is Gemini. Gemini offers some of the lowest fees in Canada and USA, which makes them a viable option for those looking for low fees (GDAX still offers the lowest fees for ACH transfers, though).

Gemini’s platform, like GDAX, is not as easy to understand as Coinbase, which isn’t good if you are a beginner (but as with everything, you get used to it). They also aren’t available, as of yet, in all US states, so this is only a viable option if you are in a state that they operate in.

Now it might seem like we bash Gemini, that’s not at all our purpose. But we genuinely think that this exchange doesn’t stand a chance against Coinbase and GDAX since it does not offer anything “new”, while GDAX offers free fees and Coinbase is extremely easy to use. However, it is worth reminding that it is indeed the third best option, and have won against all the other exchanges that didn’t even make it to this list.



In our opinion, these are the three best options if you are looking to buy BTC with ACH transfer. Coinbase is good due to the fact that it is easy to get started and understand the process, even for a beginner. GDAX is a great option if you are looking primarely for low fees. Gemini is a great one since it is easy to use and offers great support. Now it’s up to you to make a decision, good luck!