Buy Bitcoin with PNC Bank

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

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

Generally allows crypto transfers.

Supported payment methods: ach, wire

Last verified: Jan 28, 2026

Top Exchanges for PNC Bank

• Kraken
• Coinbase
• Gemini

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

For PNC Bank users, the standard route is ACH Transfer into a FinCEN registered exchange balance. Follow our guide below.

1. Pick a regulated US exchange
   Choose a FinCEN-registered and state-licensed exchange to reduce friction when linking and funding from PNC.
2. Create your exchange account
   Create your account and turn on two factor authentication.
3. Complete identity verification
   Verify your identity before you attempt your first deposit.
4. Link your PNC Virtual Wallet account
   Use the exchange bank linking flow to connect PNC, and complete any account ownership verification steps.
5. Send funds via PNC ACH transfer
   In the PNC Mobile app, tap Transfer then External Transfer, add the external account if needed, and approve the transfer with your security settings.
6. Wait for funds to arrive
   ACH deposits usually take 1 to 3 business days, with extra time possible when the external account is newly added.
7. Purchase Bitcoin
   Buy BTC after your ACH deposit is posted as available.
8. Secure your Bitcoin
   Move BTC to a personal wallet if you want self custody.

Frequently Asked Questions

Can I buy Bitcoin with PNC Bank?

Yes. PNC customers typically buy BTC by funding Coinbase, Kraken, or Gemini from a PNC checking account, then placing the order inside the exchange. PNC says external transfers can take as few as 3 business days, which is a realistic expectation for ACH style funding. If you need a faster large deposit, PNC explains domestic wires are usually processed within about 24 hours.

Does PNC offer any bank-native Bitcoin access, or is it only for Private Bank clients?

PNC announced direct spot bitcoin trading for eligible PNC Private Bank clients inside PNC's digital banking platform, powered by Coinbase infrastructure. For most everyday banking customers, PNC is still commonly used as the funding rail into an exchange.

Why does a PNC card purchase for crypto fail, and what method works better with PNC?

If a card purchase fails, do not loop retries. Use a bank transfer rail instead, because it is easier to reconcile and tends to be more stable after setup, especially for repeat deposits.

What are PNC's wire transfer fees when sending money to an exchange?

PNC publishes wire transfer fees in its checking fee schedule. Review the current fee schedule before sending, and remember that intermediary banks can deduct fees on some transfers depending on the receiving bank.

How long does it take to get money into an exchange from PNC if I use ACH instead of a card?

ACH transfers are not instant, so timing depends on processing windows and when the exchange credits the deposit. If speed matters, a wire can be the faster rail, but for repeat funding, ACH is usually the more convenient default once linked.

Can I use Zelle inside PNC to pay an exchange deposit address?

Zelle is designed for payments to people you trust and it is not built for exchange deposits. For exchange funding, use ACH or wire so you can match the deposit to a bank transfer reference and beneficiary details.

Evidence & Verification

This page references 4 sources: PNC Bitcoin Access Announcement, PNC Checking Fee Schedule, PNC Zelle. Information was compiled from official sources and user reports.

Sources:

• PNC Bitcoin Access Announcement
• PNC Checking Fee Schedule
• PNC Zelle
• FinCEN MSB Search

How we verify · Report an error

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