Summary: Chase customers can buy crypto by connecting their bank account to a regulated exchange and swapping USD for assets like Bitcoin. For legal and financial safety, the exchange must be registered with FinCEN.
Kraken is the top choice for Chase users. It’s a FinCEN-registered platform with strong security, instant USD funding, and low trading fees, which is ideal for compliant, cost-efficient crypto investing.
Can I Buy Bitcoin with Chase Bank?
Yes, Chase Bank customers can legally invest in Bitcoin and other digital assets. While the bank doesn’t offer crypto trading directly, customers can still but crypto and other digital assets by transferring USD to regulated digital asset exchanges in the U.S.
These platforms are registered with FinCEN, helping ensure compliance with federal standards. Once funds are deposited, users can buy Bitcoin and other cryptocurrencies securely.
How to Buy Crypto with Chase Bank
To buy crypto safely with a Chase Bank account, choose a platform that’s licensed by FinCEN and supports seamless USD deposits. We recommend Kraken for its strong regulatory standing, low fees, and broad range of supported assets.
Kraken accepts ACH transfers directly from Chase, along with other funding options like wire transfers. Once your account is funded, you can trade Bitcoin, Ethereum, and dozens of other cryptocurrencies.
Here’s how to start:
- Sign Up on Kraken: Open a free account on Kraken and go through the necessary verification.
- Deposit Funds: Link your Chase Bank account, choose “ACH Transfer,” and move USD into your Kraken wallet.
- Select a Cryptocurrency: Use the search bar to find Bitcoin or any other asset, then click to open the trading interface.
- Execute the trade: Input the USD amount you want to invest, review the order, and click “Buy” to confirm your transaction.

Chase Bank Cryptocurrency Policy
Chase Bank does not provide direct access to cryptocurrency trading. However, it allows customers to transfer funds to FinCEN-registered crypto exchanges that comply with U.S. financial regulations, including strict AML (Anti-Money Laundering) and KYC (Know Your Customer) protocols.
Chase supports ACH and wire transfers to approved platforms, ensuring customers can engage with digital asset markets in a secure and compliant manner under federal laws such as the Bank Secrecy Act.
For Chase account holders, Kraken is a top-tier choice. It is fully registered with FinCEN as a Money Services Business (MSB), maintains rigorous security standards, undergoes routine audits, and implements strong user data protection, making it a trusted bridge between traditional banking and crypto investing.
Digital Asset Investing Fees
Chase Bank customers looking to invest in cryptocurrency should understand the fees involved in digital asset trading. This knowledge will help you make more informed decisions.
Here’s a quick breakdown of common fees across exchanges:
- Trading Commission: Expect around a 1% fee for buying or selling coins.
- Deposit Fees: Bank or ACH transfers are typically cheaper than using credit or debit cards, which can have fees up to 2%.
- Withdrawal Fees: Fees vary by token. For example, Bitcoin withdrawals often carry a fee around 0.0005 BTC.
For Chase account holders, Kraken stands out as a solid option. With a wide selection of digital assets and competitive fees, Kraken is regulated by U.S. financial authorities, ensuring a secure and reliable platform for crypto trading.
What is Chase Bank?
Chase Bank, the consumer and commercial banking division of JPMorgan Chase & Co., is a cornerstone of the U.S. financial system. Founded in 1799 and based in New York City, it offers trusted services to millions across the country.
With a full suite of financial products, from checking, to savings, credit cards, loans, and asset management, Chase has built a reputation for security, innovation, and scale. Its advanced digital tools make it easy for customers to move money quickly and securely.
These strengths make Chase a reliable on-ramp for crypto trading. By linking Chase accounts to FinCEN-regulated exchanges, users can safely transfer funds and begin investing in digital assets like Bitcoin, all while staying within the bounds of U.S. financial law.

Top Alternative Crypto Exchanges for Chase Bank Users
Kraken is a strong option, but Chase customers have other secure choices when it comes to crypto trading. These FinCEN-registered platforms offer smooth USD funding, strong compliance, and user-friendly features:
- Coinbase: One of the most accessible platforms in the U.S., with strong regulatory standing and a clean user experience.
- Gemini: Known for its security-first approach and institutional-grade compliance. Offers ACH transfers and insured crypto storage.
- Bitstamp: Trusted and transparent. It operates under U.S. oversight, allows Chase ACH and wire funding, and is ideal for experienced traders needing high liquidity and low fees.
Each platform supports easy integration with Chase accounts and aligns with U.S. financial regulations, giving users a safe path into digital assets like Bitcoin and Ethereum.
Final Thoughts
Chase Bank doesn’t offer direct crypto trading, but it gives customers a safe path in by allowing transfers to licensed, FinCEN-regulated exchanges.
For those serious about security and compliance, Kraken is a solid match. It supports seamless USD funding from Chase accounts, keeps fees low, and has built a reputation for doing things by the book.
Beyond that, Kraken isn’t just secure, it’s powerful. From Bitcoin to lesser-known tokens, it gives users real control over their investments. For Chase customers looking to enter the crypto space with confidence, Kraken strikes the right balance between trust, performance, and regulatory peace of mind.