Can I Buy Crypto with Mobile Billing on CEX.IO

While mobile billing may sound convenient, CEX.IO does not currently support this payment method. Instead, we provide a range of secure and instant funding gateways, including credit and debit cards, PayPal (for U.S. customers), Apple Pay, Google Pay, Skrill, Neteller, and bank transfers. All funding pathways are verified, transparent, and globally accessible.

Each supported method is built for speed, regulatory compliance, and ease of use, giving you more control than mobile billing ever could.

What Is Mobile Billing?

Mobile billing, or carrier billing, lets you charge digital purchases to your monthly phone bill or prepaid balance. The appeal lies in simplicity: no card details, no banking apps, just a phone number.

However, for buying crypto, mobile billing comes with real trade-offs:

• Low purchase limits that restrict larger orders.
• Opaque fees hidden in carrier surcharges.
• Limited global reach, often available only in select regions or through specific telecoms.
• Slower settlements compared with payment networks like Visa, Mastercard, or PayPal.

CEX.IO’s supported methods offer instant confirmations, predictable costs, and higher limits, making them a more efficient choice for building your crypto portfolio.

How Does Mobile Billing Work?

When you make a purchase using mobile billing, the payment is processed through your telecom provider. You enter your phone number, confirm an SMS code, and the amount is added to your next phone bill. Settlement happens later, sometimes hours or days, depending on the carrier.

In contrast, CEX.IO’s integrated payment systems typically confirm purchases within seconds (bank transfers are an exception), letting you access your Bitcoin immediately.

Why choose Mobile Billing

Many users choose mobile billing because it feels quick and avoids sharing banking details. It’s fine for small app purchases or game credits. But for crypto? Speed, transparency, and compliance matter more.

That’s why verified methods like cards, PayPal, or mobile wallets on CEX.IO are safer, faster, and globally compliant alternatives.

Fees & Limits

Carrier billing fees depend on telecom operators and can include network surcharges, SMS fees, and capped limits, often under $300 per transaction.

At CEX.IO, all fees are visible before you confirm your purchase. Most instant payment methods settle immediately and provide far higher limits.

How to Buy Bitcoin at CEX.IO?

Buying Bitcoin on CEX.IO takes just a few minutes and works seamlessly across web and mobile. Here’s how to get started.

Step 1: Register Your Account

Go to CEX.IO or download the CEX.IO App (iOS/Android). Then, you should proceed as follows: 

1. Click Create Account.
2. Provide your email.
3. Set a strong password.
4. Verify your email to activate your account.

Step 2: Verify Your Identity

Verification ensures compliance and account protection.

Upload a valid passport, driver’s license, or national ID. Then, provide your address, and complete a short facial recognition check.

Most users are approved within minutes, unlocking full access to deposits and purchases.

Step 3: Open Instant Buy

From your dashboard: 

1. Navigate to Buy Cryptocurrency (or Buy in the mobile app).
2. Specify your fiat currency. 
3. Enter the amount you wish to spend.
4. Select Bitcoin (BTC).

The current exchange rate and total cost appear instantly. Once that’s in order, click Buy Crypto Instantly. This will take you to our Add Funds page. 

Step 4: Select Your Payment Method

From the add funds page, navigate to Select Payment Method and choose your preferred funding gateway from the list, which may include some of the following pathways depending on your region:

• Cards (Visa/Mastercard) – Global coverage, instant settlement.
• PayPal (U.S.-only) – Quick checkout for verified users.
• Apple Pay / Google Pay – Tap-to-pay convenience.
• Skrill / Neteller – Secure e-wallets for fast transactions.

Step 5: Review and Confirm

Check all details before confirming, including:

• Amount
• Currency
• Fee
• Conversion rate

Once approved, your Bitcoin appears instantly in your free CEX.IO Wallet, ready to trade, convert, or withdraw.

What Alternatives Can I Use to Buy Bitcoin on CEX.IO?

CEX.IO supports numerous global gateways tailored to user location and preference.

U.S.-based customers, for instance, can buy crypto with PayPal or cards, while customers in Europe or elsewhere may prefer bank transfers, Skrill, Apple Pay, or Google Pay.

All methods come with transparent fees and instant processing (where supported).

Credit and Debit Card Purchases on CEX.IO

Using a credit or debit card is the most direct and popular way to buy Bitcoin on CEX.IO. The process is powered by our Instant Buy service, a streamlined tool that lets users purchase BTC and 300+ other cryptocurrencies in just a few clicks.

To begin, log in to your verified CEX.IO account via the website or mobile app. From your dashboard, you need to:

1. Go to Buy Cryptocurrency.
2. Choose the fiat currency you wish to pay with (USD, EUR, or GBP). 
3. Enter the purchase amount.
4. Choose BTC from our list of vetted assets. 
5. Click Buy Crypto Instantly. This will take you to our Add Funds page.
6. From there, select Credit or Debit Card as your funding method. You can link both Visa and Mastercard cards issued in your name, ensuring the card supports international and online transactions. 
7. Once your details are entered, confirm the purchase and review the transaction summary, including the conversion rate and fee.

Card transactions on CEX.IO are typically instant, meaning Bitcoin appears in your wallet seconds after confirmation. All fees are displayed upfront, ranging from 0.49% to 4.99% + service charge, depending on your card issuer and region.

Buy Crypto with PayPal (U.S.-based users only)

Users based in the United States can buy crypto with PayPal, another convenient and secure way to fund Bitcoin purchases. Our PayPal integration supports verified PayPal accounts, allowing U.S.-based customers to buy Bitcoin directly through the Instant Buy feature.

Here’s how it works:

1. Log in to your verified CEX.IO account.
2. Specify your currency, amount, and preferred crypto under the Buy Cryptocurrency tab.
3. Select PayPal as your preferred payment method. 
4. Ensure your PayPal email matches the verified email associated with your CEX.IO account.
5. Confirm the transaction and authorize payment through your PayPal account.

Once completed, your Bitcoin will appear in your CEX.IO Wallet almost instantly, ready to trade, convert, or withdraw.

Fees for PayPal transactions start at 3.99% + $5 per purchase, clearly displayed before checkout. While this method is exclusive to U.S. users, it remains one of the most intuitive and familiar ways to buy Bitcoin online, with full purchase protection and near-instant processing.

Buy Crypto with Bank Transfers

Users in supported regions outside the U.S. can buy crypto with a bank account. For many enthusiasts, this is the most trusted and scalable way to buy Bitcoin through CEX.IO. We support SWIFT, SEPA, and Faster Payments, depending on your currency and location.

Unlike card and PayPal purchases, bank transfers operate through your CEX.IO Wallet rather than Instant Buy. This method is ideal for larger transactions, as it supports higher limits and competitive deposit fees (starting from 0.1%, minimum $10).

Here’s how to get started:

1. Log in to your CEX.IO account and navigate to Wallet → Add Funds.
2. Select your preferred fiat currency, USD, EUR, or GBP, and choose Bank Transfer as the deposit method.
3. You’ll receive CEX.IO’s bank details. 
4. Complete the transfer from your bank account using these details.

Once your deposit arrives (typically within 1–5 business days), the funds will appear in your Wallet balance.

From there, you can choose how to convert your fiat into Bitcoin:

• Crypto Converter — instantly swap fiat to BTC at the live market rate.
• Spot Trading — buy BTC at your chosen price or use real-time market orders.
• Margin Trading — for advanced traders, this solution allows up to 20× leverage on BTC positions.

Buy Bitcoin with Skrill on CEX.IO

Skrill is another widely used e-wallet that allows CEX.IO users to buy Bitcoin securely across multiple regions. It supports USD, EUR, and GBP, and provides near-instant transactions.

To buy Bitcoin with Skrill:

1. Access Instant Buy on the CEX.IO platform.
2. Select Bitcoin (BTC) from the cryptocurrency list and choose your fiat currency.
3. Enter the amount you wish to spend and click Select Payment Method.
4. Under Alternative Methods, choose Skrill.
5. Enter the email address associated with your Skrill account. It must match your verified CEX.IO email.
6. Review your transaction details, confirm the order, and complete the payment in your Skrill account.

Once the transaction is approved, your BTC will appear in your CEX.IO Wallet almost immediately.

Skrill’s familiar digital wallet interface makes it ideal for users who prefer non-card payments or wish to keep their crypto and fiat transfers centralized in one place. The standard Skrill fee is 3.99% + 3$/€/£, depending on currency.