How to Buy Bitcoin & Crypto with TD Bank

For U.S.-based customers, learning how to buy crypto & Bitcoin with TD Bank begins with knowing the right gateway. While TD Bank doesn’t sell digital assets directly, its credit and debit cards are fully compatible with CEX.IO, a licensed exchange operating across major U.S. states.

Unlike ACH or wire transfers, which can delay your entry into the market, CEX.IO processes TD Bank card payments instantly. That means you can fund your account and receive crypto in real time, which is a serious advantage in a 24/7 market where timing matters.

If you’re asking, “Can I buy crypto with TD Bank?”, the shortest answer is – yes, and it’s simple. 

Before you begin, check our cryptocurrency prices page for 24-hour price changes, historical charts, and market data to make an informed purchase decision.

What is TD Bank?

TD Bank, officially known as Toronto-Dominion Bank, is one of North America’s largest banking institutions, with a strong footprint in the U.S. East Coast. It provides everyday financial services, including personal banking and small business solutions, for more than 10 million customers.

When it comes to TD Bank and crypto, the institution maintains a balanced stance. While it doesn’t handle digital assets directly, like many other banks, such as JPMorgan, Citibank, and Wells Fargo, it supports secure transactions to licensed platforms like CEX.IO, where users can buy Bitcoin and other cryptocurrencies using TD Bank-issued cards. 

How to Buy Crypto with TD Bank?

Buying Bitcoin with TD Bank on CEX.IO is secure and straightforward. Whether you use the desktop platform or the CEX.IO Crypto Mobile App, the process is designed for quick execution, without the friction of manual transfers or pending deposits.

1. Create a CEX.IO Account

Start by registering at CEX.IO.com or downloading the mobile app.

• Enter your email and create a password.
• Verify your email through the link provided.
• Complete identity verification (KYC) by submitting your government-issued ID and a short selfie.

Verification unlocks your ability to buy Bitcoin with TD Bank instantly, along with wallet, trading, and portfolio tools.

2. Go to Instant Buy

From your dashboard, navigate to Instant Buy, which is the most direct way to buy Bitcoin with TD Bank.

• Select USD as your fiat currency.
• Enter the amount you want to invest.
• Choose Bitcoin (BTC) or another crypto asset.

The system displays a real-time conversion rate and associated fees before confirmation, ensuring complete transparency at checkout.

3. Add a Payment Method 

When prompted, choose Credit/Debit Card and link your TD Bank credit card or debit card.

You’ll be asked to provide:

• Card number
• Expiration date
• CVV security code

Once entered, TD Bank’s secure authentication process confirms the transaction. This dual verification, between your bank and CEX.IO, keeps every crypto purchase protected against unauthorized use.

4. Receive BTC in Your Wallet

Once you’ve completed your purchase, CEX.IO takes care of the rest.

Your Bitcoin is credited to your CEX.IO Wallet automatically, where you can see it under the Cryptocurrencies tab. From there, it’s up to you: hold it, swap it, or trade it, all within seconds of your payment clearing.

Ways to Deposit from TD Bank to CEX.IO

At CEX.IO, we focus on speed, compliance, and flexibility. While we do not support ACH or Wire transfers for crypto purchases in the U.S., we were among the first licensed exchanges to enable instant crypto buying through credit and debit cards.

That means TD Bank customers can use their cards directly to deposit funds and purchase digital assets without waiting for manual approvals.

You can also link your TD Bank cards with:

• PayPal (available exclusively for U.S. users)
• Google Pay
• Apple Pay

These methods let you confirm purchases in seconds and enhance security through two-factor and biometric authentication. The main benefit? Instant settlement, which might just be that crucial edge in fast-moving, highly volatile crypto markets.

Alternative Crypto Exchanges for TD Bank?

Since TD Bank is widely recognized across U.S. payment networks, its cards are also accepted on several major crypto platforms, including Binance.US, Gemini, and Coinbase. Each platform offers unique advantages. Gemini, for example, prioritizes compliance, while Binance focuses on low fees.

However, for users wanting one of the best crypto exchanges in terms of speed, regulation, and accessibility, CEX.IO is a superior choice. 

Our platform supports over 300 digital assets, instant card-based transactions, and advanced trading solutions like 20x Margin Trading. Unlike some platforms that segment U.S. users or restrict card funding, CEX.IO delivers a unified, compliant experience backed by transparent fees and 24/7 support.