Buy Bitcoin with TD Bank

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

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

Transfers work but may need verification.

Supported payment methods: ach, wire

Last verified: Jan 28, 2026

Top Exchanges for TD Bank

• Kraken
• Coinbase
• Gemini

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

Most TD Bank US customers buy Bitcoin by linking ACH Transfer to a FinCEN registered exchange. We will walk you through it.

1. Pick a regulated US exchange
   Use a FinCEN-registered and state-licensed exchange and plan to fund by ACH for best reliability.
2. Create your exchange account
   Register and enable two factor authentication.
3. Complete identity verification
   Submit ID so deposits can be enabled.
4. Link your TD Bank checking account
   Connect your TD Bank account in the exchange using bank linking, then confirm ownership if asked.
5. Send funds using ACH transfer
   In the TD Bank app, go to Transfers then External Transfers, add the exchange as an external account if required, and approve the transfer.
6. Wait for the deposit to clear
   ACH usually takes 1 to 3 business days, and first time links may trigger extra fraud screening.
7. Purchase Bitcoin
   Buy BTC once your deposit is available.
8. Secure your Bitcoin
   Withdraw to a wallet if you want to hold outside the exchange.

Frequently Asked Questions

Can you buy Bitcoin with TD Bank in the US?

Yes. TD Bank does not offer native Bitcoin trading in TD Online Banking, so most users fund an exchange like Coinbase, Kraken, or Gemini using the External Transfer service and trade there. TD's external transfer guide shows delivery options including next business day or 3 business days depending on the transfer type and limits. Card checkout can fail, so a linked bank transfer is usually the smoother setup.

Does TD Bank (US) have a native crypto buy feature in the TD app?

No. TD Bank's consumer banking documentation is focused on deposit accounts and money movement. In practice, TD Bank is used to fund a US exchange using bank payment methods rather than buying crypto inside TD deposit accounts.

Why did my TD debit or credit card crypto purchase fail, and what should I try next?

If card funding fails, switch to a bank transfer method instead of repeating card attempts. For repeat deposits, an ACH link is typically more stable, and for large time-sensitive deposits, a wire can be appropriate if you confirm the fees first.

What does TD Bank charge for wire transfers when funding a crypto exchange?

TD Bank publishes wire-related pricing and service fees in its personal fee schedule. Confirm the current wire fee for your specific account and channel (online vs assisted) before sending, especially if you are doing recurring deposits.

Can I use Zelle with TD Bank to send money to an exchange?

Zelle is designed for paying people and businesses you trust, and it is not designed as an exchange deposit method. For exchange funding, set up ACH or wire so deposits match beneficiary instructions and are easier to reconcile.

How long do TD Bank transfers to an exchange take compared with wires?

ACH transfers are typically slower and depend on processing windows, while wires are designed for faster delivery, often same-day. If timing matters, wires can be better, but always confirm recipient details and fees before submitting.

Evidence & Verification

This page references 4 sources: TD Bank Fees, TD Bank Zelle, TD Canada Trust Source. Information was compiled from official sources and user reports.

Sources:

• TD Bank Fees
• TD Bank Zelle
• TD Canada Trust Source
• 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.