Buy XMR with Credit Card

Buy XMR with Credit Card (2025 Guide)

Quick Answer

• Direct card → XMR (fastest): Try ChangeNOW
  • Buy BTC or LTC on StealthEX, or Swapzone aggregator’s USD→XMR flow. Availability varies by region and card processor.
• KYC exchange with card: Kraken supports credit/debit purchases where allowed.
• Plan B (works almost everywhere): Buy BTC/USDT with your card, then swap to XMR via: Quickex (BTC→XMR pre-set), PegasusSwap, Exolix, ChangeHero, Godex, StealthEX, Swaponix, BitcoinVN. (If you need to compare swap rates across desks, check Trocador.)

Step-by-Step: Card → XMR (Two Routes)

• Route A — Direct: Open ChangeNOW or StealthEX → choose USD/EUR → XMR → enter your Monero address (use a fresh subaddress) → complete card checkout → receive XMR.
• Route B — Indirect (more reliable): Buy BTC/USDT with card on Kraken → send to your wallet → swap to XMR using Quickex (or any desk above).

Top Picks & When to Use Them

• Fastest one-click feel: ChangeNOW (direct card routes for many regions).
• Direct card flow + swaps: StealthEX (USD→XMR page available).
• Low-friction swap after card buy: Quickex (pair pre-set to BTC→XMR for speed).
• Compare multiple desks: Swapzone (also shows USD→XMR paths) & Trocador (swap aggregator).
• KYC, higher limits, bank rails: Kraken.

Fees, Limits & KYC

• Card fees: Card processors charge extra; expect higher effective cost vs. crypto-to-crypto swaps.
• Availability: Some regions/cards restrict purchases of privacy coins. If blocked, use Route B (card→BTC→XMR).
• KYC notes: Non-custodial desks may still trigger checks for risk/amount; exchanges like Kraken require full KYC.

Privacy & Safety Tips

• Use a fresh subaddress for each purchase to reduce linkability.
• Don’t pay swap deposits directly from a KYC exchange. Withdraw to your wallet first, then fund the swap.
• Double-check addresses (XMR payout and BTC refund) before sending.
• Save order IDs and receipts for support.

TL;DR

• Try direct card→XMR: ChangeNOW, StealthEX, Swapzone.
• If blocked: Buy BTC/USDT with card on Kraken → swap to XMR via Quickex, PegasusSwap, Exolix, ChangeHero, Godex, StealthEX, Swaponix, BitcoinVN.

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