Apple Pay has transformed digital payments since its launch in 2014, becoming one of the most widely used contactless payment platforms globally. Now, users can leverage this seamless technology to enter the world of digital assets by purchasing Bitcoin and other cryptocurrencies directly from their iPhone. With just a few taps, crypto investors—especially beginners—can buy digital currency instantly using Apple Pay.
But is it the best way to invest? Which platforms support Apple Pay for crypto purchases? And what are the fees, limits, and security implications?
This guide explores seven reliable platforms where you can buy Bitcoin and other cryptocurrencies using Apple Pay, compares their features, fees, and limitations, and helps you decide whether this convenient method aligns with your investment strategy.
Why Use Apple Pay to Buy Crypto?
Apple Pay offers speed, convenience, and enhanced security through biometric authentication like Face ID or Touch ID. For casual investors or those making small, ad hoc purchases, it eliminates the need to link a bank account or wait for transfers to clear. Instead, users can buy crypto instantly—ideal for capitalizing on market movements or starting their investment journey with minimal friction.
However, this convenience often comes at a cost: higher transaction fees compared to bank transfers. Understanding these trade-offs is key to choosing the right platform and payment method.
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Top 7 Platforms to Buy Crypto With Apple Pay
1. Kraken
Founded in 2011 by Jesse Powell and Thanh Luu, Kraken is one of the oldest and most trusted U.S.-based cryptocurrency exchanges. Known for its robust security measures and compliance standards, Kraken supports over 176 countries and offers access to a wide range of digital assets.
How to Buy Bitcoin With Apple Pay on Kraken
- Open the Kraken app on your iPhone.
- Select the cryptocurrency you want and tap “Buy.”
- Enter the amount and choose Apple Pay as your payment method.
- Confirm the transaction using Face ID or Touch ID.
Fees and Limits
- Maker-taker fees: Up to 0.26%
- Apple Pay purchases: 0.5% + 0.9%–1.5% (varies by region)
- Express accounts: $9,000 monthly deposit limit
- Pro accounts: Up to $100 million monthly
Kraken displays all fees upfront on the confirmation screen—no hidden charges.
Pros and Cons
Pros:
- Industry-leading security with air-gapped cold storage and two-factor authentication
- Supports 176 countries
- Transparent fee structure
Cons:
- Margin trading only available to select U.S. clients
- Futures trading not available in the U.S.
- Some features restricted based on location
2. Coinbase
As one of the largest and most user-friendly crypto exchanges, Coinbase went public in 2021, solidifying its position in mainstream finance. It supports a vast array of cryptocurrencies and offers both custodial and non-custodial wallet options.
How to Buy Bitcoin With Apple Pay on Coinbase
- Open the Coinbase app.
- Tap “Buy” in the top-left corner.
- Choose your cryptocurrency and amount.
- Select Apple Pay as your payment method.
- Review fees and exchange rate, then confirm with “Buy now.”
Fees and Limits
- Apple Pay fee: 3.99% per transaction
- Spread fees: Up to 2%
- Withdrawal fee: 1% + network fees
While convenient, these are among the highest fees in the industry.
Pros and Cons
Pros:
- Extremely beginner-friendly interface
- Wide selection of tradable assets
- Earn yield via staking (e.g., ETH, SOL) and DeFi products
Cons:
- High card purchase fees
- Apple Pay only usable for direct buys—not deposits or withdrawals
- Daily limits tied to card restrictions
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3. Crypto.com
Based in Singapore, Crypto.com has grown rapidly since its 2016 launch, now serving over 50 million users worldwide. It stands out with its Visa card program offering up to 5% cashback and competitive earning rates.
How to Buy Bitcoin With Apple Pay on Crypto.com
- Open the app and tap “Buy.”
- Enter amount and select Apple Pay.
- Accept the 2.99% service fee.
- Confirm via Apple Pay prompt.
Fees and Limits
- Card purchase fee: 2.99%
- Bitcoin withdrawal fee: 0.0005 BTC
- Weekly Apple Pay limit: $750 (basic tier), up to $2,000 (Ruby Steel cardholders)
Fees can be avoided by funding via bank transfer—but processing takes longer.
Pros and Cons
Pros:
- User-friendly design
- Over 250 cryptocurrencies available
- High-yield earning options (up to 14.5% APY)
Cons:
- Weekly purchase caps
- Requires KYC verification
- Fees apply to all card-based purchases
4. OKX
Originally known as OKEx, OKX is a Seychelles-based exchange founded in 2017 by Star Xu. It supports more than 300 cryptocurrencies and offers advanced trading tools including futures, options, and margin trading.
How to Buy Bitcoin With Apple Pay on OKX
- Open the OKX app and tap “Buy.”
- Enter amount and select Apple Pay.
- Verify identity via email code.
- Complete transaction through Apple Pay.
Fees and Structure
- Spot trading fees: As low as 0.08% (makers), 0.1% (takers)
- VIP users enjoy reduced or negative maker fees
- Withdrawal fees vary by asset (paid to miners)
Apple Pay transactions include standard card processing fees.
Pros and Cons
Pros:
- Broad range of assets and services
- Simple Apple Pay integration
- Competitive trading fees for active traders
Cons:
- Not available in the U.S.
- Lower liquidity on some altcoin pairs
- Identity verification required
5. BitPay
A veteran in the space since 2011, BitPay is a U.S.-based payments processor and non-custodial wallet provider focused on Bitcoin adoption for individuals and businesses.
How to Buy Crypto With Apple Pay on BitPay
- Open the BitPay app and tap “Buy.”
- Enter amount and continue.
- Choose wallet and select Apple Pay.
- View offers from third-party providers.
- Complete purchase via partner site using Apple Pay.
Fees
- Processed through partners like Simplex: 5% or $10 minimum, plus BitPay’s 1% fee
- All costs included in displayed exchange rate
Pros and Cons
Pros:
- Transparent pricing
- Non-custodial wallet (full user control)
- Easy fiat-to-crypto ramp
Cons:
- Limited coin selection
- ID verification needed for larger amounts
- Relies on third-party processors
6. MetaMask
Launched in 2016, MetaMask is a leading non-custodial wallet enabling interaction with Ethereum and multiple EVM-compatible blockchains like Polygon, BNB Chain, and Avalanche.
How to Buy Crypto With Apple Pay on MetaMask
- Open MetaMask app and tap “Buy.”
- Select Apple Pay, then choose currency and amount.
- Get quotes from integrated providers (Coinbase, MoonPay, etc.).
- Pick an offer and complete purchase via partner portal.
Fees
- Provider-dependent (typically 2.5%–5%)
- MetaMask charges 0.875% on swaps
Pros and Cons
Pros:
- Seamless DeFi integration
- Multi-chain support
- No KYC from MetaMask itself
Cons:
- No native Bitcoin support (only wrapped BTC)
- High fees during peak times
- Limited customer support
- Third-party KYC required for purchases
7. Exodus
Described as a web3 wallet, Exodus supports crypto buying, swapping, staking, and NFT storage across desktop, mobile, and browser platforms.
How to Buy Crypto With Apple Pay on Exodus
- Tap “Buy Crypto” in the app.
- Choose Apple Pay as payment method.
- Enter amount; receive instant quote from partner (Ramp or MoonPay).
- Finalize transaction via partner site with Apple Pay.
Fees
- No direct fee from Exodus
- Partners charge variable fees (typically 3%–5%)
Pros and Cons
Pros:
- Intuitive interface for beginners
- 24/7 customer support
- Non-custodial control
Cons:
- High partner fees
- Max $5,000 per day via Apple Pay
- Personal info required by third parties
What Is Apple Pay?
Apple Pay is a secure digital wallet service that allows users to make payments using their iPhone, iPad, or Mac via NFC or online checkout systems. Transactions are authenticated using biometrics (Face ID/Touch ID) or passcodes, adding an extra layer of security over physical cards.
For crypto investors, Apple Pay offers:
- Speed: Instant purchases without waiting for bank transfers.
- Security: Biometric verification reduces fraud risk.
- Convenience: Integrated into daily-use devices.
However, contactless limits set by banks may restrict large purchases.
Should You Buy Bitcoin With Apple Pay?
For small, occasional investments, Apple Pay is an excellent entry point—especially for newcomers seeking simplicity over cost efficiency.
But for serious investors:
- Higher fees (typically 2%–5%) eat into returns
- Daily purchase limits may hinder large buys
- Bank transfers or ACH deposits offer lower-cost alternatives
Consider using Apple Pay for initial exposure, then switch to cheaper funding methods as your portfolio grows.
Frequently Asked Questions
Can I buy BTC through Apple Pay?
Yes, several platforms—including Coinbase, Kraken, Crypto.com, BitPay, MetaMask, Exodus, and OKX—allow you to buy Bitcoin using Apple Pay directly within their apps.
Can I buy Bitcoin on Coinbase with Apple Pay?
Absolutely. Coinbase supports Apple Pay for purchasing Bitcoin and other listed cryptocurrencies. The process is simple but comes with a 3.99% service fee.
How do you buy crypto on Binance with Apple Pay?
Binance does not support direct crypto purchases via Apple Pay. However, Binance.US users can deposit USD using Apple Pay (with a 3.75% fee) and then use those funds to buy crypto.
Can I use Apple Pay on Binance?
Only Binance.US supports Apple Pay—for depositing USD into your balance—not for direct crypto purchases on the global Binance platform.
Is buying crypto with Apple Pay safe?
Yes, when done through reputable platforms with strong security protocols. The combination of exchange-level protections and Apple’s biometric authentication makes it a secure option.
Are there limits when buying crypto with Apple Pay?
Yes—limits depend on your card issuer, platform policies, verification level, and region. For example, Crypto.com caps weekly Apple Pay purchases at $750–$2,000 depending on card tier.
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