Want to start trading crypto but still don’t know where to start? It’s an exciting journey and might seem a little daunting in the beginning, but in practice – once you buy your first Bitcoin (or half Bitcoin, or just a few Satoshi), the next few steps will be a whole lot easier.

But can you buy bitcoin with a credit card? If you, like many other people, are wondering if you can simply use the easy way to buy BTC, look no further! We’ve written a detailed and very straightforward manual on how to do it via Lumi Wallet.

How to Buy Bitcoin with Credit Card Instantly?

Step 1: Download Lumi Wallet and Create an Account

First of all, you need to download Lumi Wallet.

You’re going to need a wallet to store your digital currencies anyway, and the great thing about Lumi is that it allows you to buy bitcoin with VISA and Mastercard credit and debit cards at low fees!

Once you’ve downloaded the wallet, create a PIN and make sure to back up your wallet. For that, you need to write down the 12-word mnemonic, preferably on a piece of paper, and keep it in a safe place. So if you were to lose your device, you would be able to recover the account.

Step 2: Initiate the Transaction

Once your account is ready, tap on the ‘Buy’ button on the bottom of the screen. Specify the amount of USD you want to exchange or the amount of Bitcoin you want to buy with your credit card. If you want, you can also choose the miner’s fee, and keep in mind that the higher the fee is, the faster they confirm your transaction.

Step 3: Fill in Your Credit Card Details

After you confirm the transaction details, you’ll need to fill in your standard credit card info as well as some extra information such as your email and phone number that you will need to confirm later on, as well as the date of birth. This is an obligatory security step, and unfortunately, it’s impossible to buy bitcoin with a credit card with no verification whatsoever.

Step 4: KYC Procedures

A lot of people wonder how to buy Bitcoin with no ID and verification. When you deal only with crypto, Lumi Wallet is completely anonymous, however, you still need to provide your ID to buy bitcoin with a credit card.

For now, most of the legitimate services that provide you with the option to buy bitcoin using a credit card also require undergoing simple KYC procedures. Our bitcoin to fiat exchange is powered by Simplex, one of the leading platforms enabling fraud-free payments solutions. They require you to go through some basic security procedures just to make sure that nobody is using your personal data on your behalf.

That’s why you must submit a government-issued id whether it’s a passport, a driver’s license, an ID card, or other equal alternative to buy bitcoin using a debit and credit card.

Once you fill in all the details and submit the necessary documents, you can finalize the transaction and check your new Bitcoin balance!

Additional Info

Our service allows you to buy Bitcoin through credit card anywhere worldwide, including the USA, UK, Europe, Australia, Canada, India, Philippines, Malaysia, South Korea, Singapore, Thailand, UAE, Japan, South Africa, and many other countries.


  • Daily limit: $20,000
  • Monthly limit: $50.000
  • The minimum transaction amount: $50.00
  • The maximum transaction amount: $20,000 ($10,000 if it’s your first)

Lumi Wallet brings you one of the cheapest and fastest ways to buy Bitcoin with a credit and debit card. However, if you want to stay completely anonymous, and buy Bitcoin with no verification whatsoever, just transfer some of your other coins, such as Ethereum, EOS, BCH, or ERC20 tokens to Lumi and exchange them to Bitcoin with no KYC involved.

Still got questions on how to buy bitcoin using a debit card? Don’t hold back, drop us a line at [email protected] or send a DM on social media and we’ll do our best to help you out!

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