Can You Buy Bitcoin with Binance.us?
Yes, you can buy Bitcoin on Binance.US, as long as you live in a state where the exchange operates. How good the experience is depends on three things: where you live, how you pay, and which buying screen you use. This guide covers each of these so you know what to expect before you open an account.
The Short Answer
Binance.US is the American arm of the Binance brand and runs as a separate company from the global Binance.com platform. It lists bitcoin alongside more than 190 other cryptocurrencies, including ETH, SOL, XRP, Dogecoin, and BNB, and promotes low trading fees and staking rewards. The exchange lets you start buying crypto with as little as $1.
The global platform is a different case. Binance.com does not accept US residents, and Binance.US is a separate and smaller business. If you are in the United States, Binance.US is the only legitimate way to use the Binance name.
Why This Question Keeps Coming Up
Many people still remember the rough period in 2023, when buying Bitcoin with dollars on Binance.US became difficult. After the SEC sued Binance in June 2023 and accused it of failing to register Binance.US as an exchange, Binance.US suspended US dollar deposits soon afterward. In October 2023, the company changed its terms of service to say it would no longer support USD, with the goal of operating as a crypto-only exchange.
That situation has since changed. On February 19, 2025, Binance.US announced that US customers could again deposit and withdraw dollars through ACH bank transfers, ending almost 18 months of restrictions. A few months later, on May 29, the SEC voluntarily dismissed its lawsuit with prejudice, describing the decision as a matter of discretion and policy.
Where Binance.US Is Available
Your location matters more than anything else. Binance.US does not serve every state, and a few states only get part of the service.
| Access Level | States | What You Can Do |
|---|---|---|
| Not supported | New York, Texas, Washington, Ohio, Oregon, Connecticut, Georgia, Maine, North Dakota, North Carolina, Vermont, Alaska | Cannot open an account |
| Crypto-only | Kansas, Wisconsin | Trade crypto, but no USD bank deposits or withdrawals |
| Full access | Most remaining states, including Hawaii | Buy Bitcoin with dollars, cash out to a bank |
According to a 2026 CryptoSlate review, the twelve states above are unsupported, Kansas and Wisconsin are limited to crypto, and Hawaii has regained access. State licensing changes over time, so check the exchange’s current list before you sign up. Using a VPN to get around a state block is not a workaround worth trying, because it can get your account frozen.
Ways to Pay for Bitcoin on Binance.US
After your account is verified, you can fund it in a few ways. The costs vary a lot between them.
| Funding Method | Deposit Cost | Speed | Worth Knowing |
|---|---|---|---|
| ACH bank transfer | Free | A few business days | Funds held 7 days before they can be withdrawn |
| Debit or credit card | 3.99% | Near-instant | Your card issuer may add its own charge |
| Wire transfer | No Binance.US deposit fee | Same or next day | $25 fee to withdraw by wire |
| Crypto deposit | Free on the exchange side | Depends on network | You only pay the sending network’s fee |
CryptoSlate lists card deposits at 3.99% plus any issuer fee, free ACH in both directions, and a $25 charge for wire withdrawals with no Binance.US fee for incoming wires. ACH withdrawals usually take one to five business days, and money you recently deposited by ACH is held for seven days before you can withdraw it.
Which Method Makes the Most Sense
For most people, ACH is the best option. It costs nothing, and the 7-day hold only matters if you plan to move the money back out quickly. A card is convenient for a small first purchase, but at nearly 4% it is expensive for anything larger. Buying $1,000 of Bitcoin by card could cost you close to $40 before any trading fee.
Two Ways to Buy: Quick Buy vs. Advanced Trading
Binance.US gives you two ways to buy Bitcoin. They look similar, but they are priced very differently.
The One-Click Buy Screen
This is the beginner-friendly option. You choose Buy Crypto on the website or Buy & Sell in the mobile app, select the coin from a dropdown, and enter the dollar amount you want to spend. This page also lets you set recurring purchases on a daily, weekly, bi-monthly, or monthly schedule.
The drawback is price. CryptoSlate notes that the Buy and Convert features include a spread in the price they quote you. The quote may look fee-free, but the rate itself is slightly worse than the market price.
The Advanced (Spot) Trading Screen
This is where the low fees apply. Since April 22, 2026, spot trading on Binance.US costs 0% for makers and 0.02% or less for takers on every Advanced trading pair, with one standard rate across more than 250 pairs. The major USD markets are even cheaper. On Tier 0 pairs such as BTC/USD and ETH/USD, the rate is 0% maker and 0.01% taker regardless of your 30-day trading volume.
There is an important condition. The exchange states that these rates apply to spot trades and not to One Click Buy and Sell orders.
| Feature | One-Click Buy | Advanced Spot Trading |
|---|---|---|
| Best for | First-time buyers, recurring purchases | Anyone wanting the lowest cost |
| Pricing | Quote includes a spread | 0% maker / 0.01%–0.02% taker |
| Order types | Market-style purchase | Limit, market, and more |
| Learning curve | Very low | Moderate |
| Recurring buys | Yes | No (manual orders) |
If you are comfortable placing a limit order, the Advanced screen can save you real money, especially if you buy regularly. Paying trading fees in BNB also gives you a 5% discount.
Step-by-Step: Buying Your First Bitcoin
Here is the process from start to finish.
Create and Verify Your Account
Sign up with your email, then complete identity verification. Expect to provide your legal name, address, Social Security number, and a government-issued photo ID. Verification is required, and the exchange is regulated, so there is no way to skip this step.
Link Your Bank and Deposit Dollars
Connect a bank account through ACH for free funding. If you want to buy right away, you can use a card for a small amount, but keep the 3.99% cost in mind.
Place Your Order
For simplicity, use the Buy Crypto screen and enter a dollar amount. For lower costs, open Advanced trading, choose the BTC/USD pair, and place a limit order at your preferred price.
Decide Where to Keep Your Bitcoin
You can leave your Bitcoin on the exchange or move it to a personal wallet. Crypto withdrawals include a blockchain network fee plus an operational fee from Binance.US, and both appear on the Preview Withdrawal screen before you confirm.
How Binance.US Compares with Other Options
Binance.US now competes mostly on price, and that gap is real for active buyers.
| Feature | Binance.US | Coinbase | Binance.com |
|---|---|---|---|
| Open to US residents | Most states | Yes | No |
| Entry-level spot fees | 0% maker / 0.02% taker | 0.50% maker / 0.90% taker (Advanced) | 0.10% maker / 0.10% taker |
| Number of cryptocurrencies | 190+ | Hundreds | 500+ |
| Futures and margin | No | Limited | Yes |
| USD bank transfers | Yes (since Feb 2025) | Yes | No for US users |
According to CoinLedger, Coinbase Advanced starts at 0.50% maker and 0.90% taker for US users as of September 2026, and its simpler trading screen costs more because it adds a spread and a fee. Binance.com lists more coins and offers derivatives, futures, and margin trading, but it is not available to people in the US.
For a regular Bitcoin buyer, the fee difference adds up. At 0.90%, a $5,000 purchase costs around $45 in taker fees. At 0.02%, it costs about $1.
Safety and Trust Considerations
Given its history, it is reasonable to ask whether Binance.US is safe to use. The picture is mixed but improving.
On the positive side, the fee cut came after Stephen Gregory was appointed CEO, alongside a completed SOC 2 Type II audit of the exchange’s internal systems and controls. The platform also issues Form 1099-DA, so your spot trading activity is reported for tax purposes.
There are still some weaknesses. CryptoSlate points out that users have no way to verify that balances are backed by reserves, and that new accounts are required to use soft-staking. The same reviewers also caution that the main concerns are how reliable funding is and slippage on thinly traded pairs, not the advertised fee rate. Slippage is not a big issue for BTC/USD, which is one of the most liquid pairs on the platform.
Practical Habits That Lower Your Risk
Turn on two-factor authentication with an authenticator app instead of SMS. Set up a withdrawal address whitelist. If you plan to hold Bitcoin for the long term, consider moving it to a hardware wallet you control. Keeping only what you actively trade on any exchange is a sensible rule, regardless of which exchange you use.
Pros and Cons at a Glance
| Pros | Cons |
|---|---|
| Very low spot fees for every user from the first trade | Not available in twelve states |
| Free ACH deposits and withdrawals | 7-day withdrawal hold on ACH and card funds |
| $1 minimum purchase | Card deposits cost 3.99% |
| Recurring buy option | One-click buys include a spread |
| SEC case dismissed with prejudice | No proof-of-reserves verification |
Final Thoughts
You can buy Bitcoin on Binance.US, and in 2026 it is one of the cheapest ways to do so in the United States, provided you use the Advanced trading screen and fund your account through ACH. The main limits are geographic (twelve states cannot use it) and practical (the 7-day hold on new deposits). If you live in a supported state and care about fees, it is worth considering. If you live in New York, Texas, or another restricted state, you will need to use a different exchange.
Note: This article is for informational purposes and is not financial advice. Fees and state availability change often, so confirm current details on the exchange before you buy.