Our company only accepts cryptocurrency. So the question for new users is, where do you buy crypto? Well it depends on what country you live in and how you want to pay. All the websites on this list are legal in most western democracies.
Credit cards
Credit card purchases are the most convenient but usually make you pay the vendor fee of 2% or more. If you’re looking to use a credit card quickly then Exodus wallet allows you buy Bitcoin or Monero fast within the app itself.
Another choice for credit card is ChangeNow.io which accepts Visa and Mastercard.
MyMonero.com is an option with credit cards in the wallet, but there are issues with US residents using a US credit card.
StealthEx.io also offers Visa, Mastercard, and EU SEPA. Just keep in mind this website uses a lot of Big Tech.
coinmama.com
Has USA & EU support
Cex.io
USA-friendly
They charge VERY high fees, 4% just to deposit for Visa/Mastercard or Paypal. Then 8% commission to get the Bitcoin. This should only be used as a last resort if other websites won’t work and you need it fast. It’s a US-friendly company.
CoinCorner.com
Good for Europeans, but No USA
List of countries:
https://www.coincorner.com/countries
Peer-to-Peer
If you want to get crypto anonymously then you need a peer-to-peer exchange. Here the exchange keeps the crypto in escrow, and then the seller releases it once you pay fiat. If there’s a dispute, the mediator arbitrates. This shows up to the bank as you’re paying a random person, instead of a crypto firm. These are some payment methods for peer-to-peer:
USD – Zelle, Venmo, Cash in mail
EU – SEPA, Revolut, Paypal, Cash in mail
Our #1 recommendation for privacy with Zelle, Paypal, or physical cash in the mail is AgoraDesk.com which does Monero and Bitcoin. AgoraDesk has an app in the F-Droid store, and the website doesn’t use Big Tech or require JavaScript.
Relai.app is the best for the European Union as there’s more liquidity for euro options.
Another global option is PeachBitcoin.com . Peach is Bitcoin only and matches you peer to peer.
Also RoboSats.com matches you peer-to-peer and allows for the Bitcoin lightning network:
Bisq is another private possibility for peer to peer purchases of Monero or Bitcoin. However, Bisq’s interface is not that new user friendly compared to AgoraDesk.com. It will take some getting used to. The spread charged by the platform is actually lower than AgoraDesk, but the individual vendors vary.
Azte.co lets you buy gift cards vouchers from physical and online stores, then swap those into Bitcoin. You can check their website and see if any of the vendors/locations are convenient for you.
HodlHodl.com is generally overpriced, and we don’t recommend it. But it’s an another option.
Vexl.it is yet another peer-to-peer exchange, but the website uses Cloudflare, Google, and Amazon’s AWS. Vexl lets you see who you and the seller have in common so you know if you can trust them. This is generally a bigger deal for the seller as they fear charge-back risk.
Local Coin Swap is very expensive, but they do have credit cards
https://localcoinswap.com/buy/bitcoin
Select Visa/Debit or Zelle
KYC & ACH deposits
If you’re looking for the cheapest fees and don’t mind waiting a week, then centralized exchanges that KYC is your best option. This is recommended for larger size. Monero is anonymous. So even if you KYC to get it, then once you send it to someone, it becomes anonymous. So depending on what country you live in, you can buy it with KYC. For US residents, Kraken using Monero is good. The commissions are low, but you’ll have to wait 7 days to withdraw the money. Other exchanges can be used and you can swap from any crypto into Monero if you want.
URL List
Exodus.com – Quick Credit Card
ChangeNow.io – Quick Credit Card
MyMonero.com – Quick Credit Card (issues with USA though)
AgoraDesk.com – Peer-to-Peer (#1 for privacy)
Relai.app – Peer-to-Peer (#1 for EU)
PeachBitcoin.com – Peer-to-Peer
RoboSats.com – Peer-to-Peer
Bisq.com – Peer-to-Peer
HodlHodl.com – Overpriced Peer-to-Peer
Vexl.it – Peer-to-Peer with shared contact option
Kraken.com – KYC ACH, Cheap fees, 7-day wait to withdraw. (has Monero)