Buy Bitcoin with Chase Bank

[✓] last verified 2026-01-28·Reviewed by BankToBTC Team

Data from bank docs & FinCEN registers · How we verify · Report an error

Generally crypto-friendly for bank transfers.

Crypto Compatibility Score: 67/100 (Good)

Score Breakdown:

  • Payment methods: 15/35 pts
  • Bank transfer reliability: 23/25 pts
  • Limits: 12/20 pts
  • Cost: 8/10 pts
  • Evidence: 9/10 pts

Supported payment methods: ach, wire

Last verified:

Quick Verdict

You cannot buy crypto through Chase, so you'll need a regulated exchange like Coinbase or Kraken. Use ACH from the Chase app to fund it, card purchases often post as cash advances with extra fees.

  • [✗]

    Can you buy Bitcoin in the app?

    No, use an external exchange

  • [✓]

    Can you fund an exchange?

    Yes, using ACH Transfer

  • [›]

    Best funding method

    ACH Transfer

  • [!]

    Potential issue

    Credit card purchases treated as cash advance

Top Exchanges for Chase Bank

Step-by-step guide to buying Bitcoin with Chase Bank

Chase customers usually buy Bitcoin by sending an ACH Transfer to a FinCEN registered exchange. Start with step one below.

  1. Pick a regulated US exchange
    Use a FinCEN-registered and state-licensed exchange so ACH deposits from Chase are less likely to be flagged.
  2. Create your exchange account
    Sign up with email, set a strong password, and enable two factor authentication.
  3. Complete identity verification
    Upload your ID and provide your details so deposits and withdrawals are enabled.
  4. Link your Chase account for ACH
    In the exchange, choose Bank Account (ACH) linking and connect your Chase checking account, often through Plaid, then confirm ownership if prompted.
  5. Send funds using Chase ACH
    In Chase Mobile, go to Pay and Transfer then External Accounts then add the exchange as an external account or use ACH pull from the exchange; approve any prompts in the app.
  6. Wait for the deposit to clear
    Chase ACH deposits commonly take 1 to 3 business days, and first time links may add an extra day for verification.
  7. Purchase Bitcoin
    Once funds are available, place a market or limit order for BTC.
  8. Secure your Bitcoin
    Move BTC to a personal wallet for long term holding, or keep it on the exchange if you trade often.

[!] Troubleshooting

  • If you used a Chase card and got extra fees, it was likely coded as a cash advance. Use ACH for deposits instead.
  • If a new payee transfer is blocked, confirm recipient details and try a smaller amount first to clear fraud checks.
  • If a wire is required, confirm you are using the wire routing number, not ACH routing.

Frequently Asked Questions

Can I buy Bitcoin with Chase?

Yes. Chase does not sell Bitcoin in Chase Mobile, but you can buy BTC by linking your Chase checking account to Coinbase, Kraken, or Gemini and funding with an ACH transfer. Chase notes external transfers typically post in about 2 to 3 business days, so set the link up before you need same day access. Card funding is less consistent, and Chase says cash-like transactions such as cash advances can carry immediate fees and interest, so bank transfer is the cleaner route for most users.

Does Chase offer a built-in way to buy crypto inside the Chase Mobile app?

No. Chase's retail banking app is built around payments and money movement (Zelle, external transfers, wires), not a native buy and custody crypto feature. In practice, Chase is used as a funding rail, then trading happens inside a regulated US exchange app.

Why did my Chase card purchase for crypto get declined even though I have funds available?

Card declines for exchange purchases are usually a risk decision, not an insufficient funds issue. If a debit or credit card payment fails, the most repeatable workaround is to fund the exchange with an ACH bank transfer from Chase instead of retrying the card charge.

What's the cleanest way to link Chase to an exchange for ACH deposits and withdrawals?

Use Chase's external transfer setup so the exchange can pull funds (or you can push funds) using routing and account numbers. Add the external account/recipient first, confirm the account details, then start with a small test transfer before sending a larger deposit.

Chase ACH vs wire to an exchange, when does each one actually make sense?

ACH is typically used for everyday funding and is slower but lower friction. Domestic wires are designed for large, time-sensitive transfers, and Chase publishes wire service pricing and how wires are handled in its disclosures, which is why many high-value deposits use a wire when timing matters.

Do Chase Secure Banking or other entry accounts restrict wires to exchanges?

Yes for some entry products. For example, Chase Secure Banking does not support outgoing wires, so if you need to fund an exchange by wire you may need an account type that allows outgoing wires.

Evidence & Verification

This page references 4 sources: Chase Crypto ETF Info, Chase Digital Transfer, Chase Digital Transfers. Information was compiled from official sources and user reports.

Sources:

How we verify · Report an error

Information can change without notice. Always verify current policies directly with your bank and exchange before making transactions.