How to Buy Bitcoin & Crypto with Truist Bank

For U.S.-based users wondering, “Can I buy crypto with Truist Bank?”, the short answer is yes, but not directly through the bank itself. Instead, you can buy Bitcoin and other cryptocurrencies securely using your Truist Bank credit or debit card on CEX.IO, a licensed exchange trusted by millions worldwide.

CEX.IO does not support ACH or traditional bank transfers for crypto purchases in the U.S. But that doesn’t mean our U.S.-based customers are short of choices. 

On the contrary, as one of the leading exchanges in the crypto space, we allow users to enjoy instant settlements using card payments, a faster, more convenient way to access digital assets without waiting days for funds to clear. 

More so, before buying, you can explore cryptocurrency prices on our platform to track 24-hour changes, historical trends, and live rates that help you make informed decisions.

This guide explains how to buy Bitcoin and crypto with Truist Bank, why card-based funding is more efficient than ACH, and what payment methods are best for U.S. customers.

What is Truist Bank?

Truist Bank is one of the largest financial institutions in the United States, formed through the 2019 merger of BB&T and SunTrust. Headquartered in Charlotte, North Carolina, it serves over 15 million retail and business clients nationwide.

When it comes to Truist Bank and crypto, the institution does not directly sell or custody digital assets. However, its credit and debit cards are accepted on licensed exchanges like CEX.IO, enabling customers to buy Bitcoin and other cryptocurrencies securely. 

Truist’s strong focus on digital banking and card innovation makes it a reliable partner for users transitioning from traditional finance to the crypto economy.

How to Buy Crypto with Truist Bank?

Buying Bitcoin with Truist Bank is quick and straightforward through our Instant Buy service. You can use your Truist Bank credit card or debit card to purchase digital assets in just a few clicks, whether you prefer our web platform or the CEX.IO Crypto Mobile App (iOS and Android).

Here’s how to get started:

1. Create a CEX.IO Account

Opening a CEX.IO account gives you secure, regulated access to the crypto market.

Rather than an anonymous sign-up, CEX.IO follows the same KYC standards used by U.S. financial institutions.

• Create your account on CEX.IO.com or via the mobile app.
• Confirm your email address.
• Verify your identity with a photo ID and a quick facial scan.

Verification usually takes only a few minutes and activates all buying and wallet features immediately.

2. Go to Instant Buy

Once verified, access Instant Buy, our direct purchase interface, under the Buy Cryptocurrency tab.

You won’t need to navigate trading charts or limit orders; the system shows you a live quote for Bitcoin (BTC) or any other supported asset.

Enter the amount you’d like to spend in USD. The interface automatically displays the equivalent crypto value, factoring in current market rates and fees so that you can buy with full transparency.

3. Add a Payment Method 

Under Payment Method, select Credit/Debit Card and link your Truist Bank credit card or debit card.

What happens next:

• Enter your card number, expiration date, and CVV.
• Truist’s built-in security may trigger a verification alert or one-time code.
• Confirm, and the payment processes instantly through encrypted channels.

Unlike ACH transfers, which rely on interbank settlement windows, card payments at CEX.IO post in real time, meaning your crypto is delivered moments after approval.

4. Receive BTC in Your Wallet

After the transaction, your purchased Bitcoin appears in your CEX.IO Wallet automatically, no manual claim steps required.

From there, you can:

• View your holdings under Wallet → Cryptocurrencies.
• Convert BTC to other coins through CEX.IO Convert.
• Withdraw or hold long-term with institutional-grade security controls.

Because each purchase is settled instantly, you can act on market movements the moment you fund your account.

Ways to Deposit from Truist Bank to CEX.IO

While some exchanges rely on slow ACH or Wire transfers, CEX.IO is designed for instant purchases. As one of the first global exchanges to support credit and debit card payments, our platform allows Truist Bank customers to buy crypto in real time using their cards.

For greater flexibility, you can also link your Truist Bank card to PayPal (available exclusively for U.S. customers), Google Pay, or Apple Pay. These methods streamline checkout, enabling one-tap crypto purchases without re-entering card details.

The main advantage? Speed. 

Unlike ACH transfers that can take several business days, card-based payments deliver immediate access to crypto, essential for acting on market movements or securing price points when the market shifts. Combined with Truist’s fraud protection and CEX.IO’s regulated infrastructure, this creates one of the most secure and efficient deposit pathways for U.S.-based users.

Why buy BTC with Truist Bank?

Truist Bank stands out for its emphasis on digital-first banking and seamless integration with leading payment systems (all available at CEX.IO), including Apple Pay, Google Pay, and PayPal. Its advanced fraud detection and real-time authorization make it one of the most dependable banks for crypto-related transactions.

We also accept bank cards from Wells Fargo and PNC Bank. However, based on our experience, Truist’s digital onboarding and transaction confirmation times tend to be faster, resulting in smoother processing for card-based crypto purchases. 

In practice, using your Truist Bank credit or debit card lets you access the crypto market instantly with no pending transfers, no multi-day holds, and no third-party delays. 

It’s a modern approach that aligns with the bank’s digital strategy as well as our mission to make cryptocurrency accessible, transparent, and secure for everyone.