How to Buy Bitcoin & Crypto with Huntington Bank

Buying crypto through CEX.IO is a fast, secure, and user-friendly experience for Huntington Bank customers. After registering and verifying your account, you can use your debit or credit card to purchase digital assets and expand your holdings. Every verified user gets a free CEX.IO Wallet, where they can buy, sell, convert, and trade Bitcoin or other cryptocurrencies via desktop or the CEX.IO App.

While you currently can’t buy crypto with the Huntington Bank app, you can still use it to review your transactions and confirm crypto-related purchases made through CEX.IO.

This guide explains everything you need to know about buying Bitcoin and other cryptocurrencies with Huntington Bank cards on CEX.IO, including how to create your account, verify your identity, add a payment method, and receive your crypto securely in your wallet.

What is Huntington Bank?

Huntington Bank, founded in 1866 and headquartered in Columbus, Ohio, is a leading U.S. financial institution serving individuals and businesses across 11 states. The bank offers a full range of services, including checking and savings accounts, loans, wealth management, and merchant solutions. With over 1,000 branches and a strong digital presence, Huntington Bank focuses on convenience, innovation, and community-centered banking.

When using Huntington Bank debit cards with CEX.IO, customers can easily buy Bitcoin and other cryptocurrencies through fast, secure card transactions. However, ACH transfers and wire payments are not supported on CEX.IO for U.S.-based users due to regulatory and settlement-time limitations. 

Instead, card-based transactions are instant, providing greater speed and reliability. This method ensures your crypto purchases are processed immediately and safely, allowing you to access funds faster while maintaining compliance with financial and anti-fraud regulations.

How to buy crypto with Huntington Bank on CEX.IO?

Eligible customers can buy Bitcoin with Huntington Bank debit or credit cards in just a few minutes using our Instant Buy feature. Once verified, users can fund their accounts, confirm payment, and receive crypto instantly in their secure CEX.IO wallet.

1. Create CEX.IO Account

To begin buying crypto with your Huntington Bank card, you’ll first need to create and verify your profile on CEX.IO. 

Start by downloading the CEX.IO App from the App Store or Google Play, or open the website on your desktop and click Register. Enter your valid email address, create a strong password, and select your country of residence. U.S. customers will also be asked to confirm their state for compliance reasons.

After reviewing and accepting the Terms of Use, check your inbox for a confirmation email.

Click the verification link inside to confirm your address and activate your account. Once logged in, you’ll be prompted to verify your identity, an essential step to unlock full platform functionality, including deposits and crypto purchases.

Identity verification takes only a few minutes in the CEX.IO App. Navigate to Profile → Verification, and tap Verify now. You’ll need to submit a valid government-issued ID (such as a passport, driver’s license, or national ID card), along with your full name, address, and date of birth. Complete the process by taking a quick selfie for facial recognition. 

If all documents meet CEX.IO’s KYC standards, your account will be verified within minutes. Afterward, you can safely add funds, link your Huntington Bank card, and start buying crypto directly through CEX.IO.

2. Access Instant Buy

After verifying your account, open the CEX.IO App or our web-based platform and sign in with your credentials. Tap Buy on the bottom navigation bar to access the Instant Buy feature for the app, or navigate to Buy Cryptocurrency on desktop. 

To buy Bitcoin with Huntington Bank, choose USD as your fiat currency, then enter the amount you’d like to spend. From the list of available assets, pick Bitcoin (BTC) or any other token you want to buy. You can either scroll through the list or type the asset name in the search bar.

Once all fields are filled in, tap Buy Crypto Instantly. This action will take you to the Add Funds screen, where you can confirm your details and proceed with the payment.

3. Add a Payment Method

Review your purchase summary on the Add Funds page, including the crypto asset, fiat currency, and total amount.

• To edit the amount, type a new amount or select a preset denomination.
• Select Payment Method → Credit/Debit Card.
• Enter your Huntington Bank credit card details: number, expiration date, and CVV.
• Click Add Card if you want to save it for future use.
• Review all details carefully, confirm that everything is accurate, and complete your transaction.

This completes the payment setup, allowing your crypto purchase to process smoothly and securely.

4. Receive BTC in Your Wallet

Once your payment is confirmed, your newly purchased Bitcoin will appear in your CEX.IO wallet, usually within a few seconds. Processing times can vary slightly depending on your bank, but most users see their balance updated almost immediately.

From there, you’re free to store your BTC safely, trade it for other assets, or convert it to fiat whenever you prefer. To view your holdings, head to your Wallet, open the Cryptocurrency section, and locate BTC or your selected coin.

Why buy BTC with Huntington Bank?

Buying BTC with Huntington Bank on CEX.IO offers a fast, secure way to enter the crypto market through trusted financial channels. Huntington Bank debit and credit cards are compatible with CEX.IO, allowing verified users to purchase Bitcoin instantly without waiting for bank transfer approvals. 

Since ACH transfers and wire payments are not supported for U.S. users, card-based payments provide a smoother experience, ensuring immediate transaction confirmation and faster access to your crypto. This makes Huntington Bank an efficient choice for convenient, compliant, and secure digital currency purchases.

What are Huntington Bank Fees and Limits?

Huntington Bank fees vary depending on the service type and account category. The bank charges $15 per overdraft, with a $50 Safety Zone, and charges $15 for incoming domestic wires and $25 for outgoing domestic wires. International wire transfers cost $15 for incoming and $75 for outgoing, while foreign transactions incur a 3% currency conversion fee. Business accounts include a $10,000 monthly cash deposit limit, with a $0.30 fee per $100 deposited beyond that amount.

When it comes to Huntington Bank crypto purchases on CEX.IO, only credit and debit card payments are supported for U.S.-based users. ACH transfers and wire payments are not accepted due to settlement delays and regulatory restrictions. Instead, customers can buy crypto instantly using Visa, Mastercard, or through Google Pay, Apple Pay, and PayPal (where available). Card deposits start at $20, with processing fees ranging from 0.49% to 4.99%, ensuring fast, secure, and compliant crypto transactions.

Huntington Bank Cryptocurrency Policy

Huntington Bank recognizes the growing role of digital assets in modern finance but continues to operate under a strong regulatory framework. While it doesn’t directly offer crypto trading or wallet services, customers can still buy crypto with Huntington Bank cards through authorized, compliant exchanges like CEX.IO.

CEX.IO supports secure credit and debit card payments for instant Bitcoin and crypto purchases, offering a faster and more efficient process than traditional bank transfers. For regulatory and settlement reasons, ACH transfers and wire payments are not available for U.S.-based users.

By using card-based payments, Huntington Bank customers gain near-instant access to their digital assets while staying protected by the same compliance and fraud-prevention measures that govern all CEX.IO transactions.