Best Fiat to Crypto Exchanges 2023


Finding the right fiat-to-crypto exchange can be challenging. This comprehensive guide introduces a range of top platforms, each uniquely positioned to cater to various needs within the technology and crypto industry. From automated trading on Bybit to Binance’s versatility, KuCoin’s diverse assets,’s accessibility, Coinbase’s simplicity, and Kraken’s security focus, this article offers a glimpse into the world of traditional regular money into digital assets.

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For those interested in entering the world of cryptocurrency or expanding their crypto holdings, it’s crucial to find the best ways to convert regular money to digital currency. This involves using exchanges that connect traditional money (fiat) to cryptocurrencies. However, finding the right exchange with low fees, strong security, and a variety of cryptocurrencies can be a bit of a journey.

In this guide, we’ll take a close look at some of the top exchanges that help you convert fiat to cryptocurrencies. We’ll compare different platforms and talk about important things like compliance, what kinds of cryptocurrencies they work with, payment methods, and what they’re really good at.

By the end of this guide, you’ll have a good understanding of the best options available for converting regular money into cryptocurrencies. This will help you make smart choices when picking the right platform (or maybe more than one) that suits what you need.


Our top choice for converting regular money to cryptocurrencies is Bybit. This platform shines because it lets you trade without much effort, making it great for long-term investments. You can easily buy cryptocurrencies and trade different types of crypto all in one place. Plus, it offers a neat feature called a crypto bot that helps you invest gradually, which is handy for price changes.

Bybit also stands out for having a bunch of different cryptocurrencies to choose from – more than 350, to be exact. This means you can trade lots of different types of crypto. And they support eight types of traditional currencies including USD, EUR, and GBP, making it easy for people from all around the world to convert fiat to crypto.

When it comes depositing money, Bybit mainly uses bank transfers. They also let you quickly buy stuff using a bank card, but that might cost a bit more. Just remember, while you can trade crypto without sharing your info, you’ll need to do that if you’re using regular money.

Bybit tries to keep things simple when it comes to fees. You can put money in from your bank without extra charges, except for USD, which cost $8. And when you trade, the trading fee is 0.1% which is excellent. All these things make Bybit a strong contender in the world of turning regular money into cryptocurrencies.

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Binance is incredibly popular and gives you access to a wide variety of cryptocurrencies and ways to switch from fiat to crypto. You can do easy swaps, more advanced trades, use the DCA feature, or their Peer-to-Peer (P2P) trading platform. Binance is available in many countries worldwide and offers multiple methods for depositing and withdrawing money, making it one of the simplest ways to invest in crypto using fiat currency.

For those interested in expanding their crypto collection, Binance offers the option to deposit money in 25 different currencies, including GBP and EUR. However, when it comes to USD, you can only use credit/debit cards or Simplex, which might lead to slightly higher trading fees. In total, Binance supports trading for over 380 unique types of cryptocurrencies.

As Binance holds licenses in various regions, Know-Your-Customer (KYC) verification is a must for all users. Binance provides users with the ability to purchase cryptocurrency using a range of payment methods, including credit or debit cards, bank transfers, or e-Wallets like PayPal. Deposits through bank transfers typically incur a cost of around $1, while payments made with bank cards might come with a fee of around 1.80%. Additionally, specific BTC pairs allow fee-free crypto trading, while other spot transactions carry a 0.1% fee regardless of the amount.

With its global accessibility, diverse payment methods, and competitive trading fees, Binance stands as a solid choice for international investors seeking to exchange fiat currency for crypto.

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Kucoin is a great option for people who want to use regular money to buy and sell lots of different cryptocurrencies. In fact, KuCoin is especially known for its wide variety of coins and tokens, which makes it one of the top places to trade alternative cryptocurrencies. The features that KuCoin offers are pretty crypto-focused, so you might not need to go to another exchange to get what you’re looking for.

Not only is KuCoin a solid choice for putting regular money into, but it also boasts an impressive list of cryptocurrencies. It also provide useful tools like a crypto staking platform and trading bots. While bigger exchanges like Binance often get more attention, KuCoin actually has the most diverse selection of crypto assets compared to the others on our list.

On top of that, you can do stuff like margin trading, crypto lending, and staking on KuCoin, which makes it a go-to for investors who want an all-in-one exchange.

If you’re the kind of investor who likes to buy and sell lots of different assets, KuCoin is set up to make that easy. The exchange lets you buy over 700 different cryptocurrencies and support 40+ fiat currencies including USD, GBP, EUR, AUD, CAD, and JPY. And when it comes to fees, they’re quite reasonable stands out globally for its excellent fiat-to-crypto services. It offers great fees, both basic and advanced trading options, and a wide range of features that cater to various types of investors. With its comprehensive offerings, is an attractive solution for those seeking an all-inclusive gateway from fiat to cryptocurrencies.

Established in 2016, has rapidly gained popularity and is now one of the most renowned exchanges worldwide. It boasts a collection of impressive features designed to make crypto investing easier, especially for beginners.

Unlike other exchanges that specialize in certain aspects, is a one-stop-shop platform. It provides a mobile app, trading bots, staking, lending services, and even a Visa debit card that lets you spend your crypto. With over 50 million users around the globe, is recognized for its versatility. offers a wide selection of cryptocurrencies, with more than 290 unique coins available. It supports deposits in 25 different fiat currencies, including USD, EUR, GBP, and CAD. This extensive support makes it accessible for buying and selling crypto, effectively bridging the gap between digital assets and traditional money.

Just remember, if you’re new to the platform, you’ll need to complete the KYC verification process. Operating on a global scale, accepts various payment methods for deposits, including bank transfers, credit/debit cards, and PayPal.

The exchange caters to both beginners and more experienced investors. While trading on the exchange comes with a fee of 0.075% for transactions, the app fees range from 1.49% to 4%. This diverse range of options solidifies as a top choice for people looking to convert regular money into cryptocurrencies.


If you’re new to the crypto world and want a straightforward way to use traditional money to get into cryptocurrencies, Coinbase might be your best bet. It offers a user-friendly experience, allowing you to easily buy crypto and keep track of your investments as well as real-time prices. Plus, it also provides some advanced trading tools that could be useful as you gain more experience.

Coinbase started in 2012 with the aim of making crypto investing simpler and accessible for everyday people. It’s one of the easiest ways to buy crypto using regular money, and it even rewards users who complete quick educational videos and quizzes. This makes it a good fit for beginners who are dipping their toes into the crypto investment waters.

Even though Coinbase is designed for newcomers and follows a strict process for adding new coins, it still offers a decent variety of cryptocurrencies. You can trade over 230 digital assets on Coinbase using USD, EUR, and GBP.

Additionally, Coinbase is a licensed exchange, meaning they require users to complete a KYC verification before they can buy crypto with regular money

To ensure convenient deposits, Coinbase allows users to buy crypto using credit/debit cards, bank transfers, PayPal, and Apple/Google Pay. However, note that you can only put FIAT in using bank/wire transfers and PayPal. The other payment methods are only for quick purchases.

When it comes to fees, transactions on the Coinbase exchange have a flat fee of 0.60% for takers and 0.40% for makers. For other types of purchases, the fees can vary based on factors like location, payment method, order size, and current market conditions, as stated by the company. This makes Coinbase a viable option for those seeking a simplified entry into the world of cryptocurrencies using regular money.

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Kraken is carefully designed and stands as one of the most secure ways to turn traditional money into cryptocurrencies. While its fees might be a bit higher compared to platforms like and Binance, Kraken is an attractive choice for investors who prioritize security while buying crypto with regular money.

The exchange places a strong emphasis on protective measures, including cold storage for funds and encryption for sensitive data. This focus on security has contributed to the platform’s long-standing reputation.

Kraken offers a broad selection of over 200 cryptocurrencies available for purchase. These can be acquired using seven different fiat currencies: USD, EUR, CAD, AUD, GBP, CHF, and JPY. While you can deposit up to $9,000 without completing the entire KYC process, higher transaction amounts require identity verification.

To ensure widespread accessibility, Kraken supports various ways of depositing cryptocurrency and fiat. These include bank transfers, credit/debit cards, and Google/Apple Pay. Additionally, residents of Canada have the option to deposit funds by providing cash in person to a company representative.

Kraken takes an approach that minimizes costs for users. Every fiat currency supported by Kraken can be deposited without any fees, which is a great advantage for maximizing your investment.

However, it’s worth noting that the exchange does have relatively higher trading fees. For spot purchases, there’s a fee of 0.16% for makers and 0.26% for takers.

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In the world of cryptocurrency, where technology and finance intersect, choosing the right fiat-to-crypto exchange is key. Bybit offers effortless trading with automated features, Binance stands as a versatile giant with a broad range of options, KuCoin welcomes those looking to explore diverse assets, provides a beginner-friendly gateway, Coinbase offers simplicity and security, and Kraken emphasizes safety in its long-standing presence. Each exchange presents unique advantages, catering to various needs within the ever-evolving landscape of digital currencies. So whether you’re a novice or a seasoned investor, these platforms can help you seamlessly navigate the exciting realm of crypto using the power of regular money.

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