How to buy Bitcoin (BTC) with Apple Pay from Canada

Most of the top crypto exchanges support deposits made via Apple Pay, giving you a convenient and secure way to buy Bitcoin.

For more about how it works and exchanges that support Apple Pay deposits, scroll down for our comprehensive guide.

Unsure about what exchange to use?

Where to buy Bitcoin with Apple Pay

On website

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Coinbase

Highlights

Buy, sell, and hold over 250 cryptocurrencies in a beginner-friendly interface.
Regulated and publicly listed in the US, offering peace of mind on security and transparency.
Auto-invest lets you set recurring buys for dollar-cost averaging.
Coinbase Wallet is available for those who want full control of their crypto and NFTs

Pros

The interface is clean, simple, and ideal for beginners—one of the easiest ways for Canadians to get started with crypto.
Strong focus on security, with 2FA, cold storage, and insurance on custodial assets.
You can earn small amounts of crypto through educational mini-courses via Coinbase Earn.
Supports Apple Pay and Google Pay, making fiat-to-crypto purchases more convenient

Cons

Trading fees are high compared to other platforms—best for small, infrequent buys.
No advanced features like futures or margin trading.
Limited customer support options, and response times can be slow during peak periods.

On website

Coinmama

Highlights

Supports buying Bitcoin, Ethereum, and a small list of major coins.
Non-custodial — you must have your wallet, giving you full control of your crypto.
Instant crypto purchases with debit card, credit card, Apple Pay, or bank transfers
Global platform that's been operating since 2013, with a reputation for reliability and ease of use.

Pros

One of the fastest ways to buy crypto directly with Canadian cards.
Ideal for beginners who want quick, one-time purchases without dealing with order books or complex trading tools.
No account lock-ins or custodial risk—you're in charge of your assets from the start.
Offers 24/7 customer support, which isn’t common among global exchanges

Cons

Limited coin selection.
Higher fees than platforms that offer CAD funding or more trading options.
No selling option for Canadian users — it's a buy-only platform here. You’ll need another exchange to convert crypto back to fiat.

On website

Kraken

Highlights

Trade over 370 cryptocurrencies, covering nearly all major and many niche tokens not available on some Canadian exchanges.
Fund with Interac e‑Transfer, bank wire, or even in-person Canada Post deposits.
Offers both a simple app for quick buys and Kraken Pro with low maker/taker fees starting at 0%/0.10% and advanced order options.
Earn passive income with staking of 10+ crypto assets ranging from 4 % to 20 % APR, with rewards paid twice weekly

Pros

Great for building a diversified or DeFi-focused portfolio.
Advanced traders benefit from maker/taker pricing that becomes competitive as volumes grow.
Security is top-tier.
You can stake coins directly through Kraken with flexible terms.

Cons

Interac e‑Transfer deposits carry a 0.5% fee, and withdrawals have a $10 charge, higher than some Canadian peers.
Instant buy fees are steep.
Deposit and withdrawal processes can be confusing and slow, with some users seeing delays of up to several days.
No native Canadian tax-reporting tools on the platform.

On website

Paxful

Highlights

Buy and sell digital currencies using over 350 different payment methods.
Supports peer-to-peer trading.
Get a full-featured, secure wallet app.

Pros

Multiple deposit options are available.
Low fees.
Free wallet.
Rewards program.

Cons

Limited number of coins.

First time buying?

How to buy Bitcoin with Apple Pay

Step 1: Find a crypto exchange that supports Apple Pay

First, you have to sign up with an exchange that accepts deposits made via Apple Pay. Here at Finty, you can quickly compare exchanges that have been vetted for their Apple Pay support.

Before deciding which exchange to use, there are various other things to compare apart from their support for Apple Pay deposits. Things like trading fees, tradable tokens, and fees to deposit and withdraw fiat should be considered.

Step 2: Complete the identity verification process

Once you have opened an account with an exchange, you’ll need to confirm your identity. You will have to provide proof of identification, such as a driver’s license or passport. The exchange may ask for an image of yourself holding the physical ID.

Step: Decide how much to invest

With its bull runs and bear markets, investing in Bitcoin can be a risky venture. Invest only what you can realistically afford.

Step 4: Transfer funds to your account

To fund your account using Apple Pay, sign in to your exchange account on a device that supports Apple Pay and then select your chosen payment method for depositing funds.

Remember that although an exchange may support Apple Pay, the card funds are drawn from must allow crypto purchases. For example, you could have a Discover card linked to Apple Pay. Even though the exchange accepts Apple Pay, Discover will block the transaction. Using an exchange that accepts PayPal deposits could be a workaround for this problem.

Step 5: Place an order

Configuring an order — especially an instant buy — is very easy on most exchanges. You may be able to configure a recurring buy or trigger order to execute when market conditions permit.

Step 6: Buy

After selecting the type of order you want to place, fill out and submit the order form to buy Bitcoin. Most exchanges will not allow you to submit an order without enough funds in your account.

Still not sure?

Pros and cons

Pros

More secure. Apple Pay has industry-leading security, obfuscating the details of the card used. If the exchange’s security was breached, hackers would not get your actual card number.
Better for privacy. Apple Pay obfuscates your real card details, making it more difficult for data brokers to profile you.
No extra fees. There are no surcharges to use Apple Pay.
Convenient. Apple Pay allows you to make transactions very quickly.

Cons

Lack of support at crypto exchanges. Apple Pay doesn’t work with every exchange, although support is improving.

Extra help

FAQs

How long does it take for funds to transfer using Apple Pay?

Funds should show up in your exchange account immediately — or within a few minutes — when you use Apple Pay.

Can I buy Bitcoin with Apple Pay anonymously?

You can buy Bitcoin anonymously with a peer-to-peer exchange, such as Paxful, that supports Apple Pay deposits.

Can I buy other cryptocurrencies with Apple Pay?

Yes, you can buy other cryptocurrencies with Apple Pay. Once you have funded your account, choose whatever cryptocurrency it is you want to buy instead of Bitcoin on the order form and proceed as usual.