Deposit Methods Compared: Card, Bank, P2P
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All five exchanges compared here support the same three broad funding methods — card purchase, bank transfer, and P2P (peer-to-peer) trading — though availability by country varies and each exchange enables them slightly differently.
| Exchange | Card | Bank Transfer | P2P |
|---|---|---|---|
| Bitget | Yes | Yes | Yes |
| Gate.io | Yes | Yes | Yes |
| MEXC | Yes | Regional | Yes |
| Bybit | Yes | Yes | Yes |
| OKX | Yes | Yes | Yes |
Availability confirmed from each exchange's own sign-up flow, 9 September 2026. Bank transfer support varies most by country — MEXC supports it only in supported regions.
Card Purchases
The fastest way to fund an account — usually instant — but typically the most expensive per transaction, since card networks and payment processors both take a cut before the exchange sees the funds.
Bank Transfer
Slower (often same-day to a few business days) but usually cheaper per transaction than a card, making it the better option for larger deposits where speed matters less than cost.
P2P Trading
You buy crypto directly from another user on the exchange's platform, paying them via a method you agree on (often local bank transfer). This is how many exchanges support deposits in countries where direct bank or card rails aren't available — the exchange's escrow and dispute process handles the trade.
Start Small on a New Method
Whichever method you use for the first time on a given exchange, send a small test amount first. It takes a minute and confirms the method works for your region and account; then deposit the rest.
Frequently Asked Questions
Which deposit method is cheapest?
Bank transfer is typically cheaper per transaction than a card purchase, though it takes longer to arrive. Card purchases are fastest but usually carry the highest fees.
Does every exchange support bank transfer everywhere?
No. MEXC supports bank transfer only in supported regions; Bitget, Gate.io, Bybit, and OKX offer it more broadly, but exact availability still depends on your country.