How to buy Bitcoin for USD with a Credit Card on Changelly

in money •  2 years ago

Hey guys!

We have a great new feature out there. Hope, you will like and use it!

The end of 2016 was quite fruitful for Changelly. Finally, we've released a new big update allowing to accept bank cards to buy cryptos for fiat money! Any currency of any country is accepted (euros, pounds etc.) and calculated in dollars.

We're so excited to introduce you this new cool feature in our step-by-step guide.

Wanna buy bitcoin for USD with credit card. Learn the easiest way how to do that on Changelly! 

  1. First, go to the home page and select USD on the left and a crypto you want to buy on the right.

  2. Check attentively the rate and the amount you are going to get.

  3. Specify your BTC address (or any other wallet address of the crypto you want to buy).

  4. Once again, check all the payment details and go next to create a transaction. Once you created, you automatically agree with the terms.

  5. Your transaction is created. Now the most interesting part begins. Read the requirements below the button and click ‘Pay with Mastercard/Visa’. Cards processing is made by our partners Indacoin Limited, headquartered in London.

  6. Now, you’re offered to enter your bank card data. Remember that it should support 3D-security.

  7. Enter a valid phone number attached to your card.

  8. Now wait till you get a phone call. You’ll hear a digital code to enter.

  9. Now go to your online bank app and find a bank statement with a three-digit code to specify. It should look like this:

  10. If you can’t find the code for some reason, there is an option to record your voice saying ‘Indacoin verification’ and send the picture of you and your passport.

  11. Once you’ve entered the code or sent your data, wait a little until your transaction is finished.

  12. Within 5-30 minutes, you will get your money and the receipt.

Bank card support is a brand new feature on Changelly to improve. If you have questions or suggestions about how it works or should work, we would be happy to get them on

Try to buy bitcoin for USD with credit card now! 

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This can be a good service, but if you do the math in step 4, you will see that you are paying $2366.25 per Bitcoin, which is more than double its all time high. So I'm not sure if I would use this for investing, but might be okay to buy a small amount almost instantly.


Hey! Visa/Mastercard payment was added just recently. We are still working on process improvement to prevent fraud and charge backs. Soon rates will be updates.

So this is the current exchange rate on Changelly: 1 BTC = 1,711.2592301 USD

I looked at it the other day and the exchange rate was about $1104.

Screenshot from just yesterday morning:

In the above linked post, the OP felt very ripped off by the exchange rate but I thought it might have been a fluke.

Now the exchange rate is back to a whopping 186% of the Bitcoin market price.

I understand you guys need to charge something of a premium for credit card services but an 86% premium, as @moondancer762 said, is absurd.


Hey! thanks for you comment. We are working on improvement exchange rates. Soon will be update!

Echange rates are ridiculous :
e.g. pay with $5 and get 2.77 SBD (thats nearly half its value)
pay with $5 and get 18.415 steem (that makes it 27cents per steem, when its true price is 15cents)

Oh no! Now I wont have anymore money! LOL



Thanks for the comment! Looking forward to your first impression of that.


I dont have sepa so I have to try somehow!

I tried a few times with a pre-paid card and a gift card. But none of them worked. So' I guess I need to open a real bank account that I don't really want to do. Thanks for the post.

Can I buy BitShares with my credit card?


You may buy over 25 altcoins including STEEM and SBD. Bitshares will be added soon, as well.

does this work with debit cards?


Sure! It works with any bank cards that support 3D-security.


Any bank card that requires 3D security? So what you're saying is pre-paid, non-reloadable Visa gift cards that are exactly the same as a regular credit card and are bought and paid for, so no chargebacks can occur, will not be accepted right? Whatever happened to that free spirit of crypto where we can buy and sell with freedom from the spying eyes of governments? What's next, our social security number and mother's maiden name to buy Bitcoin?

Excellent news @changelly, thanks for this information.


How long does it take to process a SBD to LTC transaction. I made the exchange last night and it still hasn't cleared. Any idea what's the hangup?


Hey! It seems that you've forgot message ID. I've provided your payment manually.


Thanks! I see it pending now. This is my first time trading altcoins so I appreciate the response. I thought I did everything right... but I forgot message ID?


Exactly! Please, don't forget about memo (message) when sending your STEEM/SBD to exchange. Hope you will be satisfied by our service further! You may have a look at our guide here


Ah! Thanks again! I get it now. I'll be using your service in the future for just about any steem-related exchanges.

Hey Changelly! I Have tried to trade USD for STEEM and BTC for STEEM on your platform. I haven't got my STEEM on my wallet yet even though I put in both of my transactions in last week, as well as tickets related to those transactions. You also stopped responding to my tickets so I am asking about it here, on steemit.

Hey, I give to you 13.597 Steem. Refund

Same garbage as the above absurdity happening currently. Will never use this company.

that looks totally frictionless...

Just used for first time today with Simplex, so easy! Look how far you have come in so short a time, nice work @Changelly!