Apple Pay has revolutionized the way we make everyday purchases — and now, it's becoming a popular option for buying digital assets like Bitcoin and other cryptocurrencies. With just a tap of your iPhone, you can instantly purchase crypto without the hassle of bank transfers or complex verification steps. But is it really the best method? Which platforms support Apple Pay for crypto purchases? And what are the pros and cons?
In this guide, we’ll explore seven trusted platforms that allow you to buy Bitcoin and other cryptocurrencies using Apple Pay, explain how each one works, and help you decide whether this fast, mobile-friendly method is right for your investment strategy.
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What Is Apple Pay?
Apple Pay is a secure and convenient digital wallet service developed by Apple, allowing users to make payments using their iPhone, Apple Watch, iPad, or Mac. It supports contactless transactions at physical stores, within apps, and on websites that accept it.
One of Apple Pay’s strongest advantages is security. Instead of exposing your actual card details, Apple Pay uses tokenization — a unique device-specific number replaces your card information. Transactions require authentication via Face ID, Touch ID, or a passcode, adding an extra layer of protection compared to traditional card swiping.
Since its launch in 2014, Apple Pay has become one of the most widely adopted mobile payment systems globally. Its seamless integration with iOS devices makes it ideal for users who value speed, privacy, and ease of use — all qualities that also appeal to cryptocurrency investors.
Why Use Apple Pay to Buy Crypto?
There are several compelling reasons why investors choose Apple Pay to purchase cryptocurrency:
- Speed: Transactions are nearly instantaneous.
- Convenience: No need to link bank accounts or wait for transfers.
- User Experience: Intuitive interface, especially on mobile devices.
- Security: Biometric authentication reduces fraud risk.
For casual investors or those making small, frequent buys (like dollar-cost averaging), Apple Pay offers a frictionless entry point into the world of digital assets.
However, it’s important to note that while Apple Pay simplifies access, it often comes with higher fees than traditional funding methods. Let’s dive into the top platforms that support this feature.
How to Buy Bitcoin with Apple Pay: 7 Trusted Platforms
Here are seven reliable platforms where you can use Apple Pay to buy Bitcoin and other cryptocurrencies in 2025.
1. Kraken (Available in Japanese)
Kraken is one of the longest-standing cryptocurrency exchanges, founded in 2011 and known for its strong security practices and regulatory compliance. It supports Apple Pay through its mobile app, making it easy for users to fund their accounts quickly.
How to Buy Crypto with Apple Pay on Kraken:
- Open the Kraken app on your iPhone.
- Select the cryptocurrency you want to buy.
- Tap “Buy” and enter the amount.
- Choose Apple Pay as your payment method.
- Confirm the transaction using Face ID or Touch ID.
Kraken charges competitive trading fees — as low as 0.26% for takers — but card purchases (including Apple Pay) may include additional processing costs visible before confirmation.
Pros:
- High security standards including air-gapped cold storage
- Available in 176 countries
- Multiple funding options beyond Apple Pay
Cons:
- Not available in all U.S. states (e.g., New York)
- Margin trading allowed only under certain conditions; futures not available in the U.S.
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2. Coinbase (Available in Japanese)
Coinbase is one of the most beginner-friendly crypto exchanges and ranks among the top globally by trading volume. It went public on Nasdaq in 2021, boosting its credibility among retail and institutional investors.
How to Buy Bitcoin with Apple Pay on Coinbase:
- Launch the Coinbase app.
- Tap “Buy” in the top-left corner.
- Enter the amount of Bitcoin or other crypto.
- Select Apple Pay under "Pay with."
- Review fees and exchange rate, then confirm with Face ID.
Fees:
- 3.99% service fee for all Apple Pay purchases
- Additional spread and withdrawal fees apply
Pros:
- Extremely user-friendly interface
- Over 100 cryptocurrencies available
- Supports Coinbase Card for spending crypto anywhere Visa is accepted
Cons:
- High fees compared to industry average
- Apple Pay can only be used for buying — not deposits or withdrawals
- Poor customer support ratings (1.6/5 on Trustpilot)
Despite the high fees, Coinbase remains a top choice for new investors due to its simplicity and reputation.
3. Crypto.com
Crypto.com is a Singapore-based exchange offering a wide range of financial products, including a popular Visa card program and high-yield earning accounts.
How to Buy with Apple Pay:
- Open the Crypto.com app.
- Tap “Buy” in the top-left.
- Enter amount and select Apple Pay.
- Accept the 2.99% service fee.
- Finalize with “Buy with Apple Pay.”
Pros:
- Supports over 250 cryptocurrencies
- Offers up to 14.5% APY on staked assets
- Integrated NFT marketplace and DeFi tools
Cons:
- Weekly purchase limits based on card tier (up to $750 without a card)
- High staking requirements for premium benefits
Apple Pay is best suited for small investors here — larger buyers should consider using bank transfers or their Crypto.com Visa card.
4. OKX
OKX is a global cryptocurrency exchange offering spot trading, derivatives, options, and cloud mining services. It ranks among the top 10 exchanges by trading volume.
How to Buy Crypto with Apple Pay:
- Open the OKX app.
- Tap “Buy.”
- Enter amount and select Apple Pay.
- Complete email verification.
- Confirm transaction.
OKX offers tiered fee structures — general users pay up to 0.1% taker fee, while VIPs enjoy negative maker fees (-0.005%).
Pros:
- Supports 343+ cryptocurrencies
- Advanced trading options including futures and options
- Fast onboarding process
Cons:
- Not available to U.S. residents
- Some low-liquidity tokens may have poor trading depth
OKX strikes a balance between accessibility and advanced features — ideal for both newcomers and experienced traders.
5. BitPay
BitPay is a non-custodial wallet focused on Bitcoin payments and merchant solutions. It allows users to buy crypto directly via Apple Pay through third-party processors.
Key Features:
- Non-custodial: You control your private keys
- Only 13 cryptocurrencies supported
- Partners with Simplex (5% + $10 fee per transaction)
While convenient, BitPay’s high fees and limited coin selection make it less attractive for active traders.
6. MetaMask
MetaMask is a leading non-custodial Web3 wallet used to interact with Ethereum and other EVM-compatible blockchains.
You can buy crypto directly via integrated partners like MoonPay and Wyre using Apple Pay — but daily limits apply (e.g., $400/day via Wyre).
Pros:
- Seamless DeFi and NFT integration
- Multi-chain support (Polygon, Avalanche, BNB Chain)
- Easy setup and browser extension
Cons:
- No Bitcoin native support (only wBTC)
- Higher fees than direct exchange purchases
- Limited customer support
Ideal for users already engaged in decentralized applications.
7. Exodus
Exodus offers a sleek, user-friendly wallet available across desktop, mobile, and browser extensions.
It routes Apple Pay purchases through third-party providers like Ramp and MoonPay, with a daily limit of $5,000.
Pros:
- Excellent UI design
- Strong customer support (24/7 chat)
- Built-in exchange feature
Cons:
- High partner fees
- Custom gas fees only available for Bitcoin and Ethereum
Perfect for beginners looking for an elegant onboarding experience.
Should You Buy Bitcoin with Apple Pay?
Using Apple Pay to buy crypto is ideal for:
✅ Small, frequent purchases
✅ Beginners avoiding complex setups
✅ Users prioritizing speed and convenience
But consider these trade-offs:
❌ Higher fees than bank transfers
❌ Purchase limits imposed by cards or platforms
❌ KYC requirements on most platforms
For serious investors, funding an exchange account via bank transfer and buying crypto from your balance typically results in lower overall costs.
Frequently Asked Questions (FAQ)
Can I buy BTC with Apple Pay?
Yes, many major platforms including Coinbase, Crypto.com, BitPay, MetaMask, and OKX allow you to buy Bitcoin using Apple Pay directly through their mobile apps.
Can I use Apple Pay on Coinbase?
Yes, Coinbase supports Apple Pay for purchasing any available cryptocurrency. However, all card-based purchases incur a 3.99% service fee, which is higher than average.
Does Binance accept Apple Pay?
Binance does not support direct Apple Pay purchases globally. However, Binance.US allows users to fund their USD wallet via Apple Pay with a 3.75% fee, which can then be used to buy crypto.
Is buying crypto with Apple Pay safe?
Yes — Apple Pay adds an extra layer of security through biometric authentication and tokenization. However, always ensure you're using official apps and verified platforms.
Are there fees when buying crypto with Apple Pay?
Yes, most platforms charge a premium — typically between 2.99% and 3.99% — for instant card purchases via Apple Pay. These fees are higher than standard bank transfers or ACH deposits.
Can I sell crypto for Apple Pay?
No — currently, no major platform allows you to withdraw funds directly to Apple Pay. You must first convert crypto to fiat and transfer it to your linked bank account.
Whether you're testing the waters or topping up your portfolio daily, using Apple Pay to buy Bitcoin and crypto offers unmatched convenience — especially on mobile devices.
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