Apple Pay has revolutionized digital payments, offering speed, convenience, and enhanced security for everyday transactions. As cryptocurrency adoption grows, many investors are turning to familiar tools like Apple Pay to enter the digital asset space. The good news? You can use Apple Pay to buy Bitcoin and other cryptocurrencies across several trusted platforms. But is it the best choice? What are the trade-offs between convenience and cost? This guide explores seven secure and user-friendly ways to purchase crypto with Apple Pay, compares fees and features, and helps you decide if this method aligns with your investment goals.
What Is Apple Pay?
Apple Pay is a mobile payment and digital wallet service developed by Apple Inc., allowing users to make secure transactions using their iPhone, Apple Watch, iPad, or Mac. It works by linking your debit or credit cards to your Apple ID and using biometric authentication—such as Face ID or Touch ID—to authorize purchases.
Unlike physical cards, which can be lost or used fraudulently in contactless transactions under low limits, Apple Pay adds an extra layer of security. Each transaction requires user verification, significantly reducing the risk of unauthorized access. This built-in protection makes it a trusted option not only for retail purchases but also for digital asset investments.
Since its 2014 launch, Apple Pay has become one of the most widely adopted payment systems globally. Its seamless integration with iOS devices makes it a natural fit for platforms aiming to simplify crypto onboarding—especially for beginners.
👉 Discover how easy it is to start your crypto journey securely with a trusted platform.
Why Use Apple Pay to Buy Cryptocurrency?
Using Apple Pay to buy cryptocurrency offers several compelling advantages:
- Speed: Instant verification means near-instant purchases.
- Convenience: No need to link bank accounts or wait for transfers.
- Security: Biometric authentication protects against unauthorized transactions.
- User Experience: Ideal for mobile-first investors who value simplicity.
For casual investors or those making small, frequent buys, Apple Pay provides a frictionless gateway into crypto. It's particularly useful for users who want to avoid the complexity of bank transfers or KYC-heavy exchanges—though some level of identity verification is usually still required by third-party providers.
How to Buy Cryptocurrency with Apple Pay
The process for buying crypto with Apple Pay varies slightly depending on whether you're using a centralized exchange (like Kraken or Coinbase) or a non-custodial wallet (like MetaMask or Exodus). However, the general steps are consistent:
- Create an account (if required).
- Complete KYC verification (for exchanges).
- Select the cryptocurrency and amount.
- Choose Apple Pay as your payment method.
- Confirm the transaction via Face ID/Touch ID.
Non-custodial wallets often streamline this further by partnering with fiat-to-crypto on-ramps, allowing direct purchases without full account registration.
Now, let’s explore the top seven platforms that support Apple Pay for crypto purchases.
1. Kraken: Secure & Regulated Exchange
Kraken, founded in 2011 by Jesse Powell and Than Le, is one of the oldest and most respected cryptocurrency exchanges. Known for its strong security practices and regulatory compliance, Kraken supports Apple Pay through integrated payment processors.
How to Buy Bitcoin with Apple Pay on Kraken
- Open the Kraken app on your iPhone.
- Tap “Buy” and select your desired cryptocurrency.
- Enter the amount and choose Apple Pay at checkout.
- Confirm using Face ID or Touch ID.
Fees & Limits
- Trading fees: As low as 0.16% (maker) and 0.26% (taker).
- Deposit fees: Vary by method; Apple Pay purchases include a small convenience fee.
- Limits: Up to $9,000/day for Express accounts; higher tiers allow up to $1 million monthly.
Pros and Cons
| Pros | Cons |
|---|---|
| High security with air-gapped cold storage | Not available in all U.S. states |
| Supports 176 countries | Futures trading not available in the U.S. |
| Multiple funding options including SEPA and SWIFT | KYC required |
Kraken is ideal for users who prioritize security and regulatory transparency.
2. Coinbase: Beginner-Friendly Gateway
Coinbase is one of the largest and most user-friendly crypto platforms globally, serving over 73 million users. It went public on Nasdaq in 2021, cementing its legitimacy in traditional finance.
How to Buy Crypto with Apple Pay on Coinbase
- Open the Coinbase app.
- Tap “Buy” in the top-left corner.
- Select Bitcoin or another asset.
- Choose Apple Pay under payment methods.
- Review fees and confirm purchase.
Fees & Features
- Card purchase fee: 3.99% (includes spread).
- Withdrawal fee: 1% + network fee.
- APY rewards: Stake ETH and SOL for up to 4% APY.
Pros and Cons
| Pros | Cons |
|---|---|
| Intuitive mobile app (4.7/5 on App Store) | High card purchase fees |
| Over 100 supported cryptocurrencies | Limited customer support |
| Offers Coinbase Card with crypto rewards | Daily purchase limits apply |
👉 See how fast and secure buying crypto can be with a leading platform.
Coinbase is perfect for new investors seeking simplicity—even if it comes at a premium cost.
3. Crypto.com: High Rewards & Visa Integration
Crypto.com offers a comprehensive ecosystem including a popular Visa debit card, earning programs, and NFT marketplace access. With over 50 million users, it supports Apple Pay for instant crypto buys.
Key Features
- APY up to 14.5% on staked CRO.
- Up to 5% cashback on purchases.
- 250+ cryptocurrencies available.
Purchase Limit with Apple Pay
- Weekly limits range from $750 (no card) to $100,000 (Black Obsidian cardholders).
While convenient, smaller investors may find the CRO staking requirements for higher tiers prohibitive.
4. OKX: Advanced Trading with Low Fees
OKX is a global cryptocurrency exchange ranked among the top 10 by trading volume. It offers spot, futures, options, and margin trading across more than 340 assets.
How to Buy with Apple Pay on OKX
- Launch the OKX app.
- Tap “Buy” and enter amount.
- Select Apple Pay as payment method.
- Complete email verification and confirm transaction.
Fee Structure
- Maker fees from 0.08%, taker fees from 0.1%.
- VIP tiers reduce fees based on trading volume.
- Withdrawal fees vary by blockchain.
Pros and Cons
| Pros | Cons |
|---|---|
| Low trading fees | Not available to U.S. users |
| Wide asset selection | Some low-liquidity tokens |
| Supports multiple payment methods | Requires KYC |
OKX balances accessibility with advanced features, making it suitable for both beginners and experienced traders.
5. BitPay: Bitcoin-Focused Wallet
BitPay is a non-custodial wallet specializing in Bitcoin payments and merchant services. Users retain full control over their private keys.
Supported Cryptos
Only 13 cryptocurrencies, including BTC, ETH, DOGE, SHIB, and stablecoins like USDC and DAI.
While limited in selection, BitPay excels in security and privacy—ideal for users who value ownership over convenience.
6. MetaMask: Web3 Gateway
MetaMask is the leading non-custodial wallet for interacting with Ethereum and EVM-compatible blockchains.
How to Buy via Apple Pay
Uses third-party integrations like MoonPay and Wyre:
- Open MetaMask app.
- Tap “Buy” > Select Apple Pay.
- Choose amount and get quotes.
- Finalize via partner portal.
Limitations
- Daily cap: Up to $400 via Wyre.
- No Bitcoin support (only wrapped BTC).
- Requires personal info through partners.
Best for DeFi enthusiasts—not ideal for large or frequent buys.
7. Exodus: User-Friendly Non-Custodial Option
Exodus offers desktop, mobile, and browser extension wallets with strong customer support.
Apple Pay Purchase Cap
- Maximum $5,000 per day.
While user-friendly, third-party fees can be high, and network fee customization is limited to Bitcoin and Ethereum.
Should You Buy Bitcoin with Apple Pay?
For small, occasional purchases, yes—Apple Pay offers unmatched convenience and speed. Platforms like Coinbase, Crypto.com, and Kraken make it easy to get started with minimal friction.
However, for serious investors:
- High fees (e.g., 3.99% on Coinbase) eat into returns.
- Purchase limits restrict large investments.
- KYC requirements limit anonymity.
👉 Compare low-fee alternatives and start investing smarter today.
For larger buys, consider funding your exchange account via bank transfer and purchasing at lower spot rates.
Frequently Asked Questions (FAQ)
Can I buy BTC with Apple Pay?
Yes. Platforms like Coinbase, Crypto.com, BitPay, MetaMask, and OKX allow you to buy Bitcoin using Apple Pay as a payment method. It's ideal for small, instant purchases.
Can I use Apple Pay on Coinbase?
Yes. Coinbase supports Apple Pay for buying any listed cryptocurrency. However, a 3.99% service fee applies—higher than most competitors.
Does Binance accept Apple Pay?
Not directly. Binance.US allows Apple Pay deposits into USD wallets (3.75% fee), which can then be used to buy crypto—but the process isn’t as smooth as on other platforms.
Is buying crypto with Apple Pay safe?
Yes—when using reputable platforms. Apple Pay itself adds biometric security, but always ensure the exchange or wallet uses encryption and secure infrastructure.
Are there daily limits when using Apple Pay?
Yes. Limits depend on the platform and your verification level. For example:
- Coinbase: Based on card issuer limits.
- Crypto.com: Up to $100,000/week for top-tier cardholders.
- MetaMask: As low as $400/day via certain providers.
Do I need KYC to buy crypto with Apple Pay?
Most platforms require some form of identity verification due to financial regulations—even when using non-custodial wallets through third-party processors.
Core Keywords: buy Bitcoin with Apple Pay, Apple Pay cryptocurrency, crypto purchase methods, Apple Pay crypto platforms, secure crypto buying, instant crypto purchase, non-custodial wallets, low-fee crypto exchanges