How to Buy Cryptocurrency on a Regulated U.S. Exchange
Buying cryptocurrency on Binance.US means exchanging U.S. dollars for a digital asset. Binance.US is a licensed and regulated U.S. cryptocurrency exchange with fiat on-ramp capabilities and U.S.-based custody. You can fund with zero-fee bank transfer (ACH), then buy, sell, convert, and trade 200+ supported cryptocurrencies at the lowest spot trading fees in America.
Buy or deposit with
- Bank transfer (ACH)
- Credit or Debit Card
- Wire Transfer
- USD/USDT balance
- Apple Pay
- Google Pay
Binance.US buying and trading at a glance
$1
Minimum Buy & Sell Limit
*on select assets
200+
Supported Cryptocurrencies
20,000+
Convert Trading Pairs
Buy cryptocurrency in four steps on a regulated U.S. exchange
Buy cryptocurrency on Binance.US in four steps: create an account, fund your account, choose your crypto, and receive your digital assets. Binance.US is operated by BAM Trading Services Inc., a licensed and regulated United States cryptocurrency exchange platform that enables American residents to securely buy, sell, trade, and stake digital assets with fiat on-ramp capabilities, U.S.-based custody, and regulatory compliance.
Create Your Account
Sign up with Binance.US and complete identity verification, a quick and secure process required by all regulated U.S. exchanges.
Fund Your Account
Link a payment method and deposit funds using zero-fee bank transfer (ACH), credit or debit card, wire transfer, or Apple Pay / Google Pay.
Choose Your Crypto
Select your token, enter the amount, and review your order details before confirming.
Receive Your Crypto
Your crypto is delivered directly to your Binance.US exchange portfolio, where you can hold, trade, and do more with your crypto.
Sell Cryptocurrency and Cash Out to Your Bank
Sell cryptocurrency on Binance.US whenever you want to realize a position or move back into U.S. dollars.
Select the cryptocurrency you want to sell, enter the amount, review the quoted price and order details, and confirm the transaction. Once your sell order is complete, the proceeds are credited to your USD balance. You can then withdraw your USD to your linked bank account by bank transfer (ACH) or wire transfer.
Explore Binance.US Spot Trading to access additional trading features.
Convert one cryptocurrency into another
Convert one supported cryptocurrency into another in a single transaction. Binance.US Convert lets you exchange cryptocurrencies without placing separate buy and sell orders. Select the cryptocurrencies you want to exchange, enter the amount, review the quoted conversion rate, and confirm your conversion. Use the converter below to complete your transaction. For step-by-step instructions, see our guide on how to convert cryptocurrency on Binance.US.
Convert USD and BTC
1 BTC = $85,371.86
Live rate and amounts refresh continuously. USD is the funding currency; the cryptocurrency you receive is selectable.
Buy 200+ cryptocurrencies on Binance.US
Buy 200+ cryptocurrencies on Binance.US, from Bitcoin and Ethereum to a broad set of established and emerging digital assets. The process stays the same whether you want a well-known asset or something less common. Every purchase supports fractional buying, so you can buy a set dollar amount rather than a whole coin. Browse the list, then open the asset you want to purchase to see the live spot price, fees, and purchase steps.
- Buy Bitcoin
- Buy Ethereum
- Buy TetherUS
- Buy BNB
- Buy USD Coin
- Buy Solana
- Buy Dogecoin
- Buy ChainLink
- Buy Cardano
- Buy Litecoin
- Buy Avalanche
- Buy SHIBA INU
- Buy Polkadot
- Buy Arbitrum
- Buy Cosmos
- Buy Polygon
- Buy Aptos
- Buy Fetch.ai
- Buy ApeCoin
- Buy Gala
- Buy Fantom
- Buy XRP
- Buy Zcash
- Buy Stellar Lumens
- Buy NEAR Protocol
- Buy Bitcoin Cash
- Buy Uniswap
- Buy Sui
- Buy Dai
- Buy Hedera Hashgraph
- Buy Quant
- Buy Aave
- Buy Internet Computer
- Buy PAX Gold
- Buy Ethereum Classic
- Buy Algorand
- Buy Filecoin
- Buy Dash
- Buy VeChain
- Buy Curve
Fund your account and compare payment methods and fees
Once you fund your account, buy instantly at the live spot price or schedule automated recurring buys with Binance.US. Visit our fee schedule to learn more about how Binance.US offers some of the lowest fees among regulated U.S. exchanges.
| Payment method | Funding speed | Fee | Available for |
|---|---|---|---|
| Bank transfer (ACH) | Usually instant | Zero-fee | Buy and Deposit |
| USD/USDT balance | Not applicable | Not applicable | Buy |
| Debit or credit card | Instant | 3.99% (Card issuer fees may apply) | Deposit |
| Wire transfer | 1–3 business days | $0 from Binance.US. Bank fees may apply. | Deposit |
| Apple Pay or Google Pay | Instant | 3.99% (Card issuer fees may apply) | Deposit |
- 1 Trading fees and spreads apply when you buy, sell, or convert crypto.
- 2 Funds deposited by ACH, debit card or Apple Pay, and any crypto bought with them, carry a 7-day hold before you can withdraw.
At a glance
Get started in four simple steps
Sign up, verify your identity, fund your account, and place your first buy order.
Multiple ways to fund
Choose bank transfer (ACH), debit, credit, wire, or mobile payment based on the speed and fees that work for you.
Buy, sell, and convert
Buy cryptocurrency, sell it for U.S. dollars, or convert one asset into another.
200+ supported cryptocurrencies
Buy Bitcoin, Ethereum, XRP, and many other popular digital assets.
What Else Do People Ask About Buying Cryptocurrency?
These are the questions people ask before their first purchase: what it costs, which payment method is cheapest, how fast it settles, and what happens after you buy. Each answer reflects the fees and limits published above.
You need only a small dollar amount to buy cryptocurrency on Binance.US, because fractional buying lets you buy part of a cryptocurrency instead of a whole coin. Users can choose a smaller first purchase before deciding whether to buy more later.
The cheapest way to buy cryptocurrency on Binance.US is to fund your account with zero-fee bank transfer (ACH), so more of your deposit goes toward your purchase. Your total purchase cost also depends on the market price at the time of your order, any applicable trading fees, and the quoted spread shown before you confirm your purchase.
Yes. You can buy cryptocurrency on Binance.US with a credit or debit card. Credit and debit card purchases include a 3.99% fee[3]. If keeping costs low is your priority, funding your account with zero-fee bank transfer (ACH) is generally the lower-cost option.
To buy cryptocurrency instantly on Binance.US, fund your account with a debit or credit card. Bank transfer (ACH) deposits are pre-credited, so you can usually use your funds right away. Wire transfers typically take 1 to 3 business days, depending on your bank's processing time.
Yes. Binance.US is a safe place to buy cryptocurrency because it is a licensed and regulated U.S. cryptocurrency exchange[2]. Binance.US is registered with FinCEN as a Money Services Business[1]. Customer funds are held 1:1 and kept separate from company funds. Binance.US has also completed a SOC 2 Type II audit.
Visit the Binance.US Trust page to learn more about our security measures, regulatory framework, and independent certifications.
To sell cryptocurrency for USD, select the asset on Binance.US, choose Sell, enter the amount you want to sell, and confirm your order. After the sale is complete, the proceeds are credited to your USD balance. You can withdraw your funds to a linked bank account by bank transfer (ACH) or wire. ACH withdrawals are free, while wire withdrawals have a flat $25 Binance.US fee, and your bank may charge additional fees[3].
Buying cryptocurrency on Binance.US means exchanging dollars for a digital asset on an exchange. Investing is deciding which cryptocurrency to buy, how much to buy, and how long to hold it based on your own goals and risk tolerance.
Binance.US explains how to buy, fund, and hold cryptocurrency, but does not recommend specific assets or predict future returns.
Start with our guide to learn what cryptocurrency is.
To buy a specific cryptocurrency, select it from the list of supported cryptocurrencies on Binance.US. Every cryptocurrency has its own page with information about how to buy it, supported funding methods, applicable fees, and purchase steps. Once you've selected an asset, enter the amount you want to buy, review the order details, and confirm your purchase.
Buy Bitcoin, buy Ethereum, or choose another supported cryptocurrency.
Keep Exploring
Open Your Binance.US Account
Buy, sell, convert, and trade 200+ cryptocurrencies with zero-fee ACH bank transfer on a licensed and regulated U.S. exchange.
Recognized by major U.S. publications
Business Insider (2025)
Best Cryptocurrency Exchanges 2025
Security Runner-Up
Forbes (2026)
10 Best Crypto Exchanges for 2026
Best for Staking Rewards
Bankrate (2025)
Best Crypto Staking Platforms of 2025
Forbes Advisor ('24, '25)
Best Crypto Staking Platforms of 2024 & 2025
USA Today (2024)
Best Crypto Staking Platforms in 2024
References and Sources
- [1]FinCEN MSB Registrant Search: BAM Trading Services Inc. | fincen.gov
- [2]NMLS Consumer Access: BAM Trading Services Inc., NMLS ID 1906829. | nmlsconsumeraccess.org
- [3]Binance.US fee schedule and product documentation. | support.binance.us
- [4]IRS Publication 544, treatment of transaction costs in basis and proceeds. | irs.gov