How-to · Self-custody wallets

Buy crypto with a credit card in Trust Wallet or MetaMask

Both wallets have a built-in way to buy with a card, Apple Pay or Google Pay. Behind the scenes a payment provider (such as Banxa, MoonPay or Transak) takes the payment and sends the coins straight to your wallet. The first purchase takes about 5–15 minutes, mostly for the ID check.

Before you start

Wallet set upApp installed from the official app store or the wallet's own website, and your recovery phrase written down offline.
Photo IDThe provider verifies your identity the first time. Have a passport or driver's licence ready.
A card that allows cryptoSome banks block crypto purchases or treat them as a cash advance. Check with your bank first.
VPN switched offPayment providers often block VPN connections. In our testing Trust Wallet showed "service temporarily unavailable" until the VPN was off.

Step by step

Trust Wallet

Screenshots: Trust Wallet on Android, September 2026. Buttons may move slightly between versions.

New to Trust Wallet? Set it up first 3 quick screens
Trust Wallet welcome screen with Create new wallet button
Tap Create new walletThis also accepts Trust Wallet's terms.
Set a passcode, back up your phraseChoose a 6-digit passcode, then write the recovery phrase on paper. Never photograph it or share it. The app blocks screenshots on this screen.
Wallet is ready screen with Skip button
Tap SkipYou'll land on the home screen, where Step 1 starts.
  1. Trust Wallet home screen with Buy with Cards tile highlighted

    Tap Buy with Cards

    Open Trust Wallet and unlock it. On the home screen, tap Buy with Cards. On a wallet that already holds crypto, use the Buy button under your balance instead.

  2. Buy screen showing 600 AUD converting to about 420.18 USDT

    Enter the amount and pick a coin

    Type how much you want to spend using the number pad. It starts in your local currency. We used 600 AUD in this guide. Tap the coin, USDT here, to switch to Bitcoin, Ethereum or another coin.

    The grey number under your amount is roughly how many coins you'll get, after fees.

  3. Pay with menu listing Google Pay, Card and PayID

    Choose how to pay

    Tap Pay with. It often defaults to Google Pay or Apple Pay. To pay by credit card, pick Card.

    In Australia you'll also see PayID, a bank transfer that is often cheaper than a card.

  4. Buy screen, 600 AUD by Card, about 418.79 USDT, Continue highlighted
    Card
    Buy screen, 600 AUD by Google Pay, about 420.18 USDT
    Apple / Google Pay

    Check the quote, then tap Continue

    Make sure the amount, coin and payment method are right, then tap Continue.

    Methods quote differently. For 600 AUD we were offered 418.79 USDT by card and 420.18 USDT by Google Pay. Switching methods takes a second, so compare before you continue.

  5. In-app browser at rail.banxa.com showing Connecting you to Banxa

    Finish on the provider's page

    Trust Wallet opens the payment provider in a browser window inside the app. In our test it was Banxa. Check the address bar shows the provider's real website.

    Card: enter your email, complete the ID check the first time, then add your card and confirm. Your bank may send a one-time code.

    Apple Pay / Google Pay: the usual payment sheet appears. Confirm with Face ID, your fingerprint or your PIN.

    Your wallet address is filled in automatically. Never change it.

  6. Wait for the coins to arrive

    Most orders arrive within a few minutes. The first order can take longer while your ID is checked. The coins then show on your Trust Wallet home screen.

MetaMask

Screens: MetaMask on Android, October 2026. Buttons may move slightly between versions.

New to MetaMask? Set it up first 4 quick screens
Tap Create a new wallet
Choose how to back upA Google, Apple or Telegram login is easiest. A Secret Recovery Phrase is the classic option. Continuing accepts MetaMask's terms.
Create a passwordAt least 8 characters. Tick the box to confirm MetaMask can't reset it.
Write down your recovery phraseReveal it only when no one can see your screen, and write it on paper.
  1. Home
    Or a coin's page

    Tap Add funds, or Buy on a coin

    Open MetaMask and unlock it. On the home screen, tap Add funds. That buys MetaMask USD, a US-dollar stablecoin.

    To buy something else, such as Bitcoin, find the coin with the search icon or the Explore tab, open its page and tap the green Buy button.

  2. Enter the amount and choose Debit or Credit

    Type how much to spend. We used A$600. The title shows the coin and its network, for example Buy BTC on Bitcoin.

    Tap the payment button under the amount and pick Debit or Credit. Then tap Continue.

    MetaMask picked Transak as the provider for us ("Powered by Transak"). The gear icon at the top right lets you change region and payment settings.

  3. Verify your identity and pay

    The first time, Transak needs to check your identity. Tapping Agree and continue accepts Transak's terms.

    Then enter your email, upload your ID, add your card details and confirm. Your bank may send a one-time code.

    Your details go straight to Transak, not MetaMask. Your wallet address is filled in automatically. Never change it.

  4. Check your balance

    Coins usually arrive within minutes. The first order can take longer while your ID is checked.

    Go to the Home tab and scroll down to Tokens. The coin you bought appears in the list with its balance. Tap Tokens › to see everything you hold.

Receive crypto from an exchange or another wallet

To deposit crypto you already own, you need your wallet's receiving address for the right network.

  1. Open your receiving addresses

    On the home screen, tap the address icon in the top bar, the third icon along (it looks like two overlapping cards).

    You can also open a coin's page and tap Receive.

  2. Pick the network, then copy or scan

    Find the network the crypto is being sent on. Tap the copy icon to copy the address, or the QR icon to show a code the sender can scan. Paste it into the exchange or wallet you're sending from.

    Ethereum, Linea, Arbitrum, BNB Chain, Base and similar networks share one 0x… address. Bitcoin, Solana and Tron each have their own.

    The network must match on both sides. For example, USDT sent on Tron must go to your Tron address. A mismatch can lose the funds. Send a small test amount first, and check the first and last few characters after pasting.

What it typically costs

Provider card fee~2–5%
Exchange-rate margin, built into the quote~0.5–2%
Network fee to send coins to youvaries
Bank foreign-transaction or cash-advance fee0–3%+
Common minimum purchase~$20–50

Cards and Apple Pay / Google Pay are convenient but usually the most expensive way in. For larger amounts, a bank transfer (such as PayID) or an exchange is often cheaper.

Stay safe

  • Never share your recovery phrase. No provider, support agent or website needs it.
  • Download wallets only from the official app store or the wallet's own website. Fake wallet apps are common.
  • Only buy through the wallet's own Buy button, not links from DMs, ads or emails.
  • Wallet "support" never messages you first. Anyone who does is a scammer.
  • Start small on your first purchase, and double-check the coin and network before paying.