Monero · Guide · CardHow to buy Monero with a credit card in 2026
Most large exchanges no longer sell XMR, and Wagyu does not take cards. The route that works has two steps: buy a common coin with your card, then swap it to Monero from your own wallet.
Wagyu teamUpdated 5 min read- total volume through Wagyu
- $1.3B+
- orders completed
- 35,300+
- account needed to swap
- 0
- SOL to XMR swap time
- 1 min
You can rarely buy Monero with a credit card directly. Most large exchanges have stopped selling XMR, and Wagyu swaps crypto for crypto only. The route that works has two steps: buy a widely sold coin (ETH, SOL, BTC or USDC) with your card, send it to a wallet you control, then swap it to XMR, for example with an ETH to XMR swap. The swap needs no account.
Key takeaways
- Get a Monero wallet first: the XMR goes straight to it.
- Buy ETH, SOL, BTC or USDC with your card, not USDT on Tron for a small amount.
- Withdraw to your own wallet, then send the exact quoted amount to the swap.
- The card step is not anonymous. Only the swap needs no account.
Can you buy Monero with a credit card directly?
Rarely, and less every year. Large exchanges that used to sell XMR for card or bank payments have dropped it: OKX removed its XMR pairs on January 5, 2024, Binance delisted XMR on February 20, 2024, and Kraken stopped XMR trading and deposits for customers in the European Economic Area on October 31, 2024.
Some smaller services still advertise card purchases of XMR. They are payment providers with their own identity checks, limits and fees, and what they offer changes by country. Read their terms before you pay.
Wagyu swaps crypto for crypto. If you start from fiat, you get your first coins elsewhere and then swap them to XMR, which is why the card step happens somewhere else.
Buy Monero with a credit card in two steps
1. Get a Monero wallet
You need your own XMR address before you start. Feather, Cake Wallet and the official Monero wallets give you one.
2. Buy a common coin with your card
Use the card service or exchange you already use. ETH, SOL, BTC and USDC are sold almost everywhere, and Wagyu swaps each of them to XMR.
3. Withdraw it to your own wallet
Send the coin to a wallet you control, such as an Ethereum, Solana or Bitcoin wallet. Some services hold card-bought crypto for a while before you can withdraw it.
4. Swap it to XMR
Open the swap page for your coin, paste your Monero address, check the quote and send the exact amount shown to the deposit address of your order.
The XMR arrives in your Monero wallet once the swap completes. The quote shows the rate and the fee before you send anything.
Which coin to buy with your card
Buy a coin that card services sell everywhere and that has a direct route to XMR. Minimums and typical times differ a lot between them:
| Coin you buy | Network to send it on | Minimum | Typical time (minutes) |
|---|---|---|---|
| ETH | Ethereum | $20 | 2 |
| SOL | Solana | $20 | 2 |
| BTC | Bitcoin | $40 | 30 |
| USDC | Arbitrum | $20 | 1 |
| USDT | Ethereum | $20 | 2 |
- Small purchase? Avoid USDT on Tron. The USDT to XMR route accepts Tron, but with a much higher minimum, shown in the quote. For a small card purchase, buy ETH, SOL or USDC instead.
- Bitcoin is the slowest leg. A Bitcoin block comes about every ten minutes on average, so a BTC deposit takes longer to confirm than ETH or SOL.
- USDC is cheapest to send on Arbitrum. The USDC to XMR route takes Arbitrum by default and Ethereum mainnet too.
| Coin you send | Default network | Minimum | Typical time | Fee | Route |
|---|---|---|---|---|---|
 Ethereum (ETH) | Ethereum | About $20 | About 2 min | 2% | ETH to XMR |
 Solana (SOL) | Solana | About $20 | About 1 min | 2% | SOL to XMR |
 Bitcoin (BTC) | Bitcoin | About $40 | About 30 min | 2% | BTC to XMR |
 USD Coin (USDC) | Arbitrum | About $20 | Under 1 min | 2% | USDC to XMR |
 Tether (USDT) | Ethereum | About $20 | About 2 min | 2% | USDT to XMR |
Why send from your own wallet, not from the exchange
Sending straight from the card service to the Wagyu deposit address looks faster, but it often goes wrong, for two reasons.
The order has a deadline
Each order shows a funding deadline. A withdrawal that is queued or held for review can arrive after it.
The amount must match
Withdrawal fees are often taken from the amount sent, so less than the quoted amount arrives and the order waits for a top-up.
From your own wallet you send the exact amount, when you are ready. If a deposit still falls short or arrives late, the order lifecycle docs explain what happens next.
What it costs to buy Monero with a card
Four separate costs add up:
- The card service fee and its exchange rate spread.
- Your bank's charges. Some card issuers treat crypto bought on a credit card as a cash advance, with a fee and interest from day one, and some block crypto purchases. A debit card often avoids the cash advance; ask your bank.
- The network fee to withdraw the coin and send it to the swap.
- The swap itself. For example, ETH to XMR has a 2% Wagyu fee and SOL to XMR a 2% fee, shown in the quote before you send.
Because minimums and network fees are partly fixed, one larger purchase usually costs less than several small ones.
Is buying Monero with a card anonymous?
No. Your bank and the card service know who bought the coin, and card services usually check your identity. What changes is the second step: the swap to XMR needs no account or identity check, and once the XMR is in your own Monero wallet, its later movements are private by design.
If you want to avoid the card step entirely, the guide how to buy Monero without KYC covers the routes from coins you already hold.
Gift cards and prepaid cards
Wagyu swaps crypto for crypto only, so a gift card or a prepaid voucher is not a way to pay on Wagyu. Be careful with anyone who offers XMR in exchange for gift cards: asking to be paid in gift cards is a common scam pattern, and the payment cannot be reversed once the codes are shared.
FAQ: buying Monero with a card
Can you buy Monero with a credit card?
Not on Wagyu, and not on most large exchanges since the 2024 delistings. Buy ETH, SOL, BTC or USDC with your card, send it to your own wallet, then swap it to XMR.
Can I buy Monero with a debit card?
Yes, through the same two steps. A debit card often avoids the cash advance fees some banks charge on credit card crypto purchases.
Can I buy Monero with a card without KYC?
The card step is not anonymous: your bank and the card service know who paid. The swap to XMR needs no account or identity check, though some orders are screened, as the compliance policy explains.
Which coin should I buy with my card to get XMR?
ETH or SOL for speed and a low minimum, USDC on Arbitrum if you prefer a stablecoin. Avoid USDT on Tron for small amounts: its minimum is much higher, as the USDT to XMR quote shows.
Why not send crypto from the exchange straight to the swap?
Each order has a funding deadline and expects the quoted amount. Exchange withdrawals can be delayed or reduced by fees, so send from your own wallet instead.
Can I buy Monero with a gift card on Wagyu?
No. Wagyu swaps crypto for crypto only. Be wary of anyone offering XMR for gift cards.
Written by the Wagyu team
Wagyu offers swaps between Monero, Zcash and supported networks, plus a native Monero bridge to Hyperliquid.