How to top up a Bitcoin wallet - an overview of methods

Today, many users are switching to working with cryptocurrency. And a beginner may have a question: how to transfer money to a Bitcoin wallet? There are various ways to do this - we will talk about all the most convenient and reliable ways to work with bitcoins.

First, let's figure out what kind of wallets there are and how they differ from each other. Let's highlight three options that are most popular.

Cold wallet

Storing bitcoins using this method will allow you to provide maximum protection to your funds. Essentially, the coins will be available only to you - they will be stored on your computer's hard drive or other digital media. Coins can be accessed without the Internet, and hackers simply will not have a way to get your money. The downside is that in order to put the coins into circulation, you will need to spend some time.

Hot wallet.

This option is less secure. You will store money in online accounts. Because of this, they can be accessible to attackers - so when choosing a storage service, find out as much as possible about it. But Bitcoin replenishment or payment can be made many times faster

Hardware wallet.

This is a special device (something like a flash drive) on which you can store cryptocurrency.
A safe option, for which, however, you will need to pay a certain amount. Bitcoins can be used by simply inserting the device into a computer connector. Well, when you have chosen a way to store your money, let's look at how to put money into a Bitcoin wallet.

Topping up your Bitcoin wallet using online exchangers

The first method is the fastest and most popular among users. You can find a lot of services online that work with cryptocurrencies. You can use any search engine to find them.

But the main thing is to choose a reliable and profitable exchange service. What to look for?

Safety. Read reviews about the exchanger to know that you will not be deceived;
Commissions. Please note the fees you will need to pay for the transfer. Choose services with a lower percentage. If it is not listed at all, it is better to find another site for translation;
Variety of currencies and availability of money. You also need to make sure that the service has

The currencies you need are available. For an overview of profitable services for exchanging bitcoins, read the article: Top 5 best bitcoin exchangers

Let's look at the process of how to top up a Bitcoin wallet from a card, using the example of the popular and safe site BestChange.org. This service collects information about rates and commissions of various exchangers on the Internet. And on it you can choose the one that will be the most profitable for translation:

We go to the site itself and in the exchange windows we enter the name of the currency that we want to sell and receive. You will see a list of possible services where you can make a transfer. Choose the one that will be the most profitable and click on the link;
Now we find ourselves on the exchanger site itself. You need to register (usually it takes a few minutes). And then in the exchange window, enter the names of the same cryptocurrencies as in the first step;
How to top up a Bitcoin wallet? In the required window you will be asked to enter a payment method - select the appropriate bank where your savings are stored. Also in the window you will need to indicate the number of the wallet to which the bitcoins will arrive. Confirm the operation;
After processing the request, the exchange will be completed. You can convert various types of fiat currency into Bitcoin, including the Russian ruble.

You can top up Bitcoin both from a card and from other wallets or money services. There are actually a lot of ways. And the best services are integrated with almost all popular payment systems. And every user will find a suitable option for himself.

Instructions on how to buy cryptocurrency

Regardless of the method of purchasing cryptocurrency, you need to get a crypto wallet where the coins will be stored. Experienced users are better off using mobile apps or hardware ones. Beginners are recommended to open a wallet on Blockchain to make purchases. When registering, you will need to enter your email address and password.

The most profitable way is cryptocurrency exchanges

Bitcoin and altcoin quotes are formed based on real-time supply and demand.

Exchanges where cryptocurrency transactions take place are the most profitable platforms for purchasing.
The exchange commission, depending on the type of transaction, ranges from 0-0.5%, and, as a result, these services are characterized by minimal costs and maximum capabilities.
The risks of using crypto exchanges to purchase digital currencies are associated with the need to open a personal account and store private keys on the platforms. These actions increase the risk of becoming a victim of fraudulent attacks, hacker attempts and incorrect actions of exchange owners. After all, in essence, the funds of traders and investors are at the disposal of online platforms.

Therefore, it is correct to use more than one service for purchases, but to diversify money between several crypto exchanges from the TOP 10, that is, the most reputable and reliable.

Platforms in demand by Russians are Bittrex, Poloniex ( Z4CKF5XA - code for a 10% discount on trading commission when registering an account), EXMO (review), YoBit net (review), LiveCoin, Binance (review).

Exchange on the EXMO exchange

EXMO is the most popular site among Russians for buying cryptocurrency and, of course, selling or exchanging it. There are pairs here with fiat rubles, US dollars, euros, Polish zlotys, Turkish lira and hryvnia.

The rates are floating, the current list is in the table Commissions and limits in the lower menu exmo.me/ru. Popular payment systems are linked to the exchange.

Before purchasing cryptocurrencies, you will need a webmail address and password to register. To use deposit/withdrawal with a bank card, you need to fill out a verification form and wait a few days.

Exchange:

Instant is done in the Exchange tab.
Through an exchange order in the Trading tab. Here you can execute an order by market or by limit. In the latter case, the trader sets a price better than the market.
Commission 0.2% per transaction.

The client's wallet is located next to the personal account in the upper right corner.

When replenishing, it is necessary to take into account the commissions of payment systems, for example, YaDengi charges 0.5% per transaction, AdvCash 2.95%.

Exchange on Binance exchange

The largest variety of coins is available on Binance.

This exchange is a leader in turnover and is constantly developing, adding new options to its functionality. Buying and selling cryptocurrency here is carried out on the most favorable terms on the Internet.

The commission for a new client for the first year of operation is only 0.05% per purchase.
If, as a result of operations, there are many balances of different coins, insufficient for an order, you can use the exchange for BNB - the proprietary token of the Binance platform itself.

Recently, fiat money is supported here - using the Simplex service. And the purchase of cryptocurrency is carried out for fiat, Bitcoin and altcoins.

Before you start, you need to register and connect Google authentication or SMS verification.

Investors are not recommended to use Binance wallets for storage (this applies to any exchange). It is better, after the purchase, to withdraw money to external cold addresses.

The most accessible way is exchangers

It will be easy for anyone who has ever used an exchange between conventional monetary systems to buy digital currencies for fiat at online exchange offices.

On the service’s website, the currency that needs to be exchanged is indicated in one line, and the name of the cryptocurrency in another line.
The amount to be exchanged is indicated, the system calculates the operation and displays the final numbers, exchange rate, and commission.
If the client is satisfied with everything, then it is enough to agree with the purchase and follow the step-by-step instructions.

Pros:

the choice of exchangers amounts to hundreds of options;
the purchase occurs within a few minutes;
exchangers support any payment systems;
shopping is reliable.

Minuses:

there are limits on the minimum and maximum amount;
less favorable rate than on crypto exchanges;
commission, which is an amount from 300–500 rubles.

One of such exchangers is Matbi. The user can easily learn how to buy, sell, exchange, send and receive cryptocurrency. The exchange occurs instantly and without commissions. It can be used as a multi-currency online wallet, which currently supports Bitcoin, Litecoin, Dash and Zcash. All cryptocurrency is stored in cold wallets. The user's personal account has a high level of security and includes two-factor authentication. Matbi is open 24 hours a day.

The rating of exchangers and a selection of conditions can be seen at bestchange.ru.

Example of cryptocurrency exchange on the 60cek service

On the main page of 60cek.com (review), you need to select the fiat currency system in the left line, and the type of cryptocurrency to purchase in the right line.

Exchangers through which you can buy cryptocurrency for rubles

To purchase in Bestchange monitoring, you can make a selection of services according to your preferred criteria.

Based on the maximum number of positive reviews:

NetEx24 12+ thousand
Wm Express 10+ thousand
I-Exchange 10+ thousand
Kassa 7+ thousand
WW-Pay 6+ thousand

At the best rate:

Net£x24.
ExchangeCoins.
Papa-Change.
ChBy.
V-Exchange24.

Purchase at maximum reserve:

BitExchanger.
ProstoCash.
ATM.
LasloBit.
Xchange.

You can also make a choice based on 2-3 criteria.

The fastest way is Telegram bots

Telegram messenger bots provide a quick way to both buy and sell cryptocurrency using bank cards and payment systems Yandex, Payeer (wallet), Qiwi, AdvCash and others.

BTC banker is the most popular bot for purchasing. After subscribing to the bot’s channel, the user receives a wallet linked to his own phone number and can top it up in Qiwi and Sber/Tinkoff/Alfa banks.

The bot's interface is Russian-language and simple, accompanied by interactive instructions and warnings. And they have their own exchange.

From other people through the Localbitcoins and Paxful service

On the Localbitcoins (review) site, people trade cryptocurrency with each other. Here you can find users from almost all countries who can either sell the Bitcoin cryptocurrency or buy it for any other currencies using all popular monetary systems.

After registering on the site, the user receives a wallet. Through search and filters, configures the display of information.

Pros:

wide range of purchase offers;
small minimum limits of cryptocurrencies;
There are no additional commissions or hidden deductions.

Minuses:

Localbitcoins is focused only on the sale and purchase of Bitcoin.
Considered less reliable than universal crypto exchanges.

It is recommended to check the amounts of the second party, since unscrupulous users fill out orders with a large number of zeros, but reduce/increase the initially agreed amount based on the inattention of the newcomer.

Paxful

Payment service Advanced Cash

In the Advanced Cash payment service, you can buy/sell cryptocurrencies for fiat currencies - USD, rubles, euros (EUR), paying a modest commission.

The first step is for the user to register.
Then top up the service wallet with traditional currency.
Go to the section Transfer of funds - electronic currency.
Select the desired digital coin from the category menu.
Copy your crypto address and add it to the address line.

In accordance with the Network transaction period, the purchase will arrive at the specified address. For example, Ripple will be credited in seconds. Bitcoin - within half an hour.

We replenish your wallet using cryptocurrency exchanges

Most crypto exchanges are great for more than just trading digital money. Many users go to them solely to exchange their money and transfer funds to wallets.

The obvious advantage of this method is the small amount of commissions that the resource owners take into their account. However, there is a drawback - the speed of transactions will depend on how soon another user wants to sell you bitcoins. This option is suitable for those who are not in a hurry to complete a transaction, but want to get more benefits for it.

You should also pay special attention to the crypto exchange itself where you want to make an exchange. It will be convenient to transfer money to crypto only under the following conditions:

The crypto exchange must work with the required fiat. If you want to exchange Russian rubles for bitcoins, then it is better to use domestic exchanges. Many resources work with dollars and euros. There are also those who do not accept fiat at all;
Possibility of working with money without verification. It is often not so easy to verify an account on such resources: you need to spend several days (and sometimes weeks) on this. Therefore, it is better to find a platform where it is not necessary to confirm your identity;
Safety. It is better to use sites that are popular among users. Read our top 10 Bitcoin exchanges to choose the right platform for your transfer.

The instructions are approximately the same as for online exchangers: register, transfer fiat to your account, then fill out an exchange order, and after its implementation, withdraw bitcoins to your wallet. The speed of order execution will depend on what price you are willing to pay for the coins.

How to top up a Bitcoin wallet with a bank card?

There are also a number of options online for funding your account directly from a debit card. To do this, as a rule, you need to use special services, which we will talk about:

Coinbase. This service offers to top up your account if you have a Visa or MasterCard card. Translation can be carried out even by beginners who have just registered. However, there is a significant drawback - you will be able to receive your coins only 4-5 days after completing the application;
Coinmama. Another site that will allow you to replenish your Bitcoin wallet. Its disadvantage is that the fees requested are too high - from 6% of the transfer amount. But on this site there will always be available tools, and it is also safe for work. If you want to transfer more than $150, you will have to go through verification;
BitPanda. The last service on our list. Perfect for transferring money from a card to bitcoins. The commissions are not too high, as is the speed of processing requests. Among the shortcomings, one can highlight the not entirely clear system by which commissions are charged.

How to buy Bitcoin in 2020

You can buy Bitcoin (BTC) for rubles, dollars, euros, hryvnias and other currencies:

Through the p2p exchange exchange. A reliable crypto exchange where you can buy Bitcoin is Localbitcoins. You can find a seller from any country, for any amount and for payment methods convenient for you: bank transfers, cards, electronic money Qiwi, Yandex and others. On the website, at the bottom of the page, you can select Russian. The security of the cryptocurrency purchase operation is ensured by depositing the amount in the exchange accounts. The seller transfers bitcoins to the exchange account, and after confirmation of payment, the cryptocurrency is transferred to the buyer’s wallet. The site has been operating since 2012 and is registered in Finland.
In Bitcoin exchanges, this is the fastest way to purchase cryptocurrency. Reliable and proven online exchangers: Prostocash, 60cek, Kassa.cc, Nicechange, Ychanger, Baksman, 24Paybank. You can purchase cryptocurrencies there: Bitcoin (Bitcoin), Ethereum (Ethereum), Zcash (Zec), Dash, Litecoin (Litecoin), Namecoin, Bitcoin Cash for rubles, Visa and Mastercard bank cards of any Russian bank, as well as for electronic money : Yandex Money, Qiwi, Payeer, ADVCASH and others. After registering with Bitcoin exchangers, you receive a bonus - a 0.05% discount on each transaction. They work around the clock, support is always available via online chat - you can ask questions if something is not clear. To purchase, simply select the desired direction, amount, enter the wallet address for receipt and indicate other transaction details as necessary. For example: buying Bitcoin for rubles Sberbank: After payment and confirmation of the transaction online, you will receive a valuable BTC coin to the wallet address specified in the application. The time depends on the network load and is usually no more than an hour. When exchanging, receive detailed instructions from the exchanger and a link to track the transaction and its status.
On cryptocurrency exchanges. One of the popular ones is EXMO, which is included in the top 25 ranking in terms of daily cryptocurrency trading volume. The most famous Russian-language crypto exchange in Eastern Europe. You can work with fiat currencies: Russian rubles, Ukrainian hryvnia, dollar, euro, electronic money. The listing includes 13 of the most famous cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Zcash, Monero (XMR), Dash, Waves, Ripple (XRP), Bitcoin Cash (BCH) and others. You can buy cryptocurrency through the “Exchange” or “Trading” tab. Other popular crypto exchanges where you can buy bitcoins: Binance, Crex24, Livecoin, DSX, etc.
Through payment systems Advcash or Payeer. Once you have topped up your account, the money can then be transferred into cryptocurrency. It is possible to replenish the balance through electronic payment systems, and after passing verification, you can top up from Visa or Mastercard cards, or by bank transfer. For example, through Advcash you can purchase Bitcoin by making a transfer to the address of the wallet you need, selecting the items: “Transfer of funds” - “To electronic currency” - “Bitcoin” or replenish the balance of the EXMO crypto exchange and buy cryptocurrency on it. Accounts are available in: dollars, euros, Russian rubles, Ukrainian hryvnia, Kazakh tenge. The exchange takes place within 5-10 minutes at the system rate. The minimum number of bitcoins that can be purchased is 0.01 BTC.

You can purchase not a whole bitcoin (1 BTC), but any quantity – 0.1; 1.5 and so on. All the ways to purchase a coin are described in more detail below.

To begin with, let me remind you that bitcoins are a decentralized cryptocurrency; no state has any authority over it. This is its main advantage. Complete anonymity and transparency have made Bitcoin an attractive tool for purchases for the purpose of investing and generating income.

The Bitcoin cryptocurrency emerged in 2009, during which time the rate increased from a few cents to $7,000 per BTC (November 2017). Today the virtual coin is very popular, and its value is predicted to increase to $50,000 over the next few years! If you want to invest money, then buying bitcoins in order to earn money is a global investment trend.

Next, we will consider each of the above options for purchasing bitcoins; they are all available to clients from Russia, Ukraine, Belarus, Kazakhstan and other countries. Buying cryptocurrency is not difficult.

To start working with any cryptocurrency, in particular Bitcoin, you need to create a wallet to store them and get an address. On cryptocurrency exchanges you receive a wallet immediately after registration.

How to top up a BTC wallet using payment systems?

Today, users have another great way to replenish their wallets with bitcoins - the most popular payment systems have begun working with cryptocurrencies. And it allows you to carry out secure transactions using your favorite programs.

In fact, today many services are already integrated with cryptocurrencies. The most popular ones include Yandex.Money, WebMoney, AdvCash and others. By the way, this method of transfer is absolutely legal, which attracts many to use this particular method of exchange.

There is also a small advantage: legality requires that users pass verification. You will need to spend some time on this: fill out forms and send copies of your documents.

Then choose the system you like. WebMoney is a rather difficult service to use, so we recommended that you use AdvCash or Yandex.Money.

Essentially, all you need to do is top up your electronic account on these systems using fiat. And then it will be possible to make an exchange within the service itself. Moreover, the commissions for such operations are not that high.

How to buy cryptocurrency for rubles and dollars through cryptocurrency exchanges?

Buying cryptocurrency for rubles and dollars is not a complicated process; the main thing is to know where it is better to buy in order to save on commissions and make a purchase at a favorable rate.

The most profitable and safest place to buy many cryptocurrencies are cryptocurrency exchanges, since at the moment there are already many high-quality exchanges operating in Russian, where you can top up your personal account with rubles and dollars in a wide variety of ways - from direct bank transfer from a card (credit card , debit) to quickly replenish your account using popular payment systems.

Kuna (Kuna exchange review) is a quickly gaining popularity cryptocurrency exchange, through which you can quickly and safely purchase popular cryptocurrencies for various fiat currencies, including rubles and dollars (via Payeer, AdvCash, QIWI, Perfect Money).
TotalCoin (TotalCoin review) is an easy-to-use mobile cryptocurrency wallet in which you can quickly buy Bitcoin from other users (from electronic wallet accounts, bank cards, etc.)

Having dealt with the popular cryptocurrency exchanges where you can profitably buy cryptocurrency for rubles and dollars, we will now consider the most popular cryptocurrencies that can be purchased on these exchanges (in front of each cryptocurrency it will be indicated on which exchange it can be purchased):

Bitcoin (BTC, Bitcoin): Exmo, Livecoin, GetBTC, Yobit, Amarkets, Cryptonator.
Ethereum (ETH, Ethereum): Exmo, Livecoin, Yobit, Amarkets.
Litecoin (LTC, Lightcoin): Exmo, Livecoin, Yobit, Cryptonator.
Ripple (XRP, Ripple): Exmo, Yobit.
Bitcoin Cash (BCH, Bitcoin Cash): Exmo, Yobit, Cryptonator.
Dash (DASH, Dash): Exmo, Livecoin, Yobit.
Monero (XMR, Monero): Exmo, Livecoin, Cryptonator.
Ethereum Classic (ETC, Ethereum Classic): Exmo.
Zcash (ZEC, ZetCash): Exmo, Cryptonator.
Dogecoin (DOGE, Dodzhikoin): Exmo, Livecoin, Yobit, Cryptonator.
Waves (WAVES, Waves): Exmo, Yobit, Livecoin.
TRON (TRX, Tron): Exmo, Yobit.
Nem (XEM, NEM): Yobit.
Verge (XVG, Verge):Yobit.
DigiByte (DGB, Digibyte):Yobit.
Stratis (STRAT, Stratis): Yobit.

How can a beginner buy cryptocurrency for rubles through exchangers?

An easier way to buy cryptocurrency for rubles and dollars is to use electronic exchangers, in which a wide range of exchange directions are available between popular payment systems and cards of Russian banks for cryptocurrency and back.

Let's consider the most famous, easy-to-use and reliable exchangers with the most favorable rates for buying cryptocurrency for dollars and rubles (and vice versa):

Gradual purchase of cryptocurrency for rubles by investing in cloud mining

An unusual way to buy cryptocurrency (mainly Bitcoin) for the future is to invest in cloud mining. This method is unusual in that you do not immediately buy Bitcoin for the funds that are currently allocated for its purchase, but buy shares of cryptocurrency mining capacity for rubles or dollars for a period of 1 year, which gradually bring you income in the form of Bitcoin (income depends from invested funds).

Today, the best and time-tested cloud mining service is Bitdeer (Bitdeer review). In this service, you can top up your account in several ways through payment systems and bank cards.

One of the most popular contracts in Bitdeer is SHA-256 (Bitcoin mining), but when purchasing, you should take into account that there is currently a constantly high congestion on the Bitcoin network and high fees for transactions and withdrawals from this cloud mining service.

In conclusion to this article, it can be noted that today, it is useful for almost everyone to know and understand where to buy cryptocurrency for rubles and dollars at a favorable rate, since while this market is showing good growth, you can make good money on this, but it’s not worth it forget about the risks and carefully approach the selection of the most promising cryptocurrencies, and also allocate only reasonable amounts for investments, which in case of unforeseen circumstances you don’t mind losing and can easily return (necessarily not borrowed or credit funds).

Blog author, entrepreneur and investor. Since 2014, he has been successfully making money from trading, investing in the stock market and cryptocurrency. Read more about our team here: Website editors.

Topping up your Bitcoin wallet through the terminal

As cryptocurrencies come into closer contact with the real world, Bitcoin terminals are beginning to appear in many countries. In particular, such services appeared in Ukraine back in 2014. European countries have long been equipped with similar machines.

As for Russia, such terminals appeared in large cities not so long ago. To use them correctly, use our instructions (the example is written on using the iBox terminal):

First you need to find the place where the terminal is located. As a rule, such information is simply Googled on the Internet;
Then you will see a search bar in the main window. You should enter btcu.biz;
You will then need to deposit the amount you want to transfer into Bitcoin. The transaction fee will be only 1%;
Confirm the transfer and take the receipt. Be sure to save it until you see the money you received;
After that, you need to go to the website btcu.biz, and there, in a special menu, select the “Replenishment for cash” item. In the new window, enter the code that is printed on the receipt. You will also need to enter your account address. After this, the money will be transferred.

Here is a simple option for those who are willing to spend time getting to the terminal in order to save money on commissions.