How to Buy Crypto With Credit Card

In Lumi Wallet we believe that crypto can be easy and accessible. We believe that everyone, regardless of their background, should be able to buy cryptocurrency online without thinking twice about the process.

Therefore, if you have any crypto-related doubts or questions, read our simple manual on how to buy any cryptocurrency for beginners and learn the basics step by step.

How to Buy Crypto on Mobile App and Web Wallet

Not sure where to buy cryptocurrency using only your mobile phone? Get yourself a Lumi Wallet app and buy crypto safely on your iOS and Android devices!

Step 1: Create an account and write down your mnemonic

Download the app for iOS or Android. Then create a PIN code and don’t forget to write down your mnemonic phrase. Your mnemonic is the only way you can restore your mobile wallet, so take this measure seriously. To do this, go to ‘Settings’ and tap on ‘Backup wallet’. Write down the 12 words on a piece of paper or your laptop, but not on your phone.

You can import your account with your mnemonic by choosing ‘Import Wallet’ when logging in.

If you’re using Lumi Web Wallet apart from mnemonic, you can import your account with your private keys or wallet file.

Step 2: Filling in the transaction amounts

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You are free to fill in the amount of USD you want to spend or the amount of crypto you’re planning to buy: it works both ways.

Step 3: Adding your credit or debit card

The next step is adding your credit or debit card details such as card number, expiration date, name, and security code. You are also required to provide your billing address including country, city, and a ZIP code.

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Finally, you need to leave your email, phone number, and date of birth, then read the Terms & Conditions and Privacy Policy and tick the agreement box.

When you buy crypto via Simplex for the first time, you will need to verify your email and phone number. This is standard procedure and only takes a few seconds.

  • To verify your email, click on the ‘Verify’ button in the email you’ve received from Simplex. If you don’t see an email, try checking your Spam folder.
  • To verify your phone number, just confirm the 4-digit code you get in the message sent to your phone

The process of adding your credit card on the Lumi Web Wallet is identical.

Debit Cards transactions are usually more likely to be approved by banks.

Step 4: Verification

If this is the first time you’ve made a credit card transaction, you will need to pass a quick verification procedure.

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  • Upload a photo of your ID and enter the details
  • Fill in your address or choose the option “Same as Billing Address”, if they are the same
  • Confirm by clicking on the ‘Upload Document’ button

You might be asked to fill in the code from your bank to finalize the transaction and on very rare occasions Simplex might require you to upload a selfie with a credit card.

Once you’re done with these 4 steps, Simplex will start processing the payment.

Enter your payment ID here to check the status of your transaction. You can also get in touch with support.

Why is that safe to buy Cryptocurrency with credit card in Lumi Wallet?

Extremely secure

We created the most secure wallet on the market with the Hierarchical deterministic structure: it can be recovered using a 12-word mnemonic phrase. Private keys are under client control.


Now you can use one multi currency wallet to buy, send, receive, store, and exchange Bitcoin, Ethereum, Bitcoin Cash, EOS, and 1200+ ERC20 tokens.

Totally anonymous

No personal information is collected: there is no need to provide any personal information and no registration is required. Your privacy is essential to us, that is why Lumi Wallet is the best choice if you are looking for an anonymous wallet.

How to Buy Cryptocurrency Anonymously With Coins

But what if you don’t want to share your personal info? How to buy crypto anonymously? In case you’re wondering how to buy cryptocurrency without id, try using the coins that you already have. Lumi Wallet doesn’t collect any of your sensitive data and you can rest assured, that you have full control over your private keys and assets.

  1. Download Lumi Wallet and import your wallet with your mnemonic
  2. Tap on the ‘Exchange’ button, choose the coins you’re willing to sell and purchase
  3. Fill in the amount, check the details, and confirm the transaction

Lumi Wallet allows you to buy and sell coins like BTC, ETH, EOS, BCH, and multiple ERC20 tokens.

What else can you do with cryptocurrency in Lumi Wallet?

Invest and exchange Crypto

Support your favorite project and invest in the coin it has issued. Trade your Ethereum or Bitcoin for the ERC20 in Lumi Wallet, and build a strong portfolio.

Gift and send Crypto

Got lots of like-minded friends? Use Lumi Wallet to send them crypto hassle-free.

Hold Crypto

Sometimes holding is the best strategy. Keep you crypto in Lumi Wallet and watch it rising to the moon!

Spend Crypto

Play crypto games and explore thousands of dapps with our built-in browsers and make purchases in crypto directly in the Lumi Wallet app.