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How to buy bitcoin with cash or cash deposit in 2021 [NEW]

In this post, I’m going to show you EXACTLY how to buy bitcoins with cash or cash deposit in Any country using these 5 methods.

The best part? 

Every method on this post is working GREAT right now. 

So if you want to buy bitcoin with cash in 2021, you’ll love today’s tutorial. 

Let’s dive right in.

Buying bitcoin with cash safely

To safely buy bitcoin with cash, you should make sure you get yourself a Bitcoin wallet that will securely store your bitcoins since some of the exchanges below require one.

buy bitcoin with cash

Besides storage, there are many scam exchanges out there to steal your personal information and/or bitcoins.

Following these basic tips should help you avoid theft, scams, and any other loss of funds:

Tip #1. Do your research before buying on any exchange. Check reviews, ratings, and regulation information.

Tip #2. Don’t store coins on the exchange. I really recommend storing your bitcoins safely in a wallet you own.

Many Bitcoin exchanges have been hacked and lost customer funds

If you don’t want to fall victim to these hacks then the easiest way is to store your coins in a wallet you control.

Tip #3. If you are buying bitcoins with cash via cash deposit, use an escrow service (like LocalBitcoins or Paxful) to ensure the seller must send you the bitcoins after receiving bitcoins.

Also, if you are trading bitcoin with cash in person, here are some few precautions to look out for.

Tip #4. Meet in a public area. Most trades will go through fine but a search on Google shows people getting robbed or scammed at in-person trades.

Tip #5. Bring a friend. If possible, try to bring along a friend or family member just so you’re not alone.

Buying bitcoins with cash can be very low risk.

It’s also easy to buy small amounts of bitcoin with cash.

If you prefer buying bitcoin with a credit card, you can check this step by step guide.

How to buy bitcoin with cash on Localbitcoins

Step 1. Register or Sign In

Register an account or sign in with LocalBitcoins.  

And complete all the account registration process. 

To buy bitcoin with cash you need to first find a seller in your area who accepts cash deposit.

Step 2. Search for advertisements

buy bitcoin with cash on local bitcoin

Go to the main page and in the search box select the option QUICK BUY.

Fill in the form with the amount you want to buy in your currency and choose cash deposit as your payment method. 

The site will then list all Bitcoin offers available.

Step 3. Select an advertisement

From the list of offers, choose one where the trader has a good reputation score and a high amount of completed trades. 

The response time indicator shows if a trader replies within five minutes (green), within 30 minutes (yellow) or slower than 30 minutes (grey). 

You can click the buy button to view more information about an offer.

Step 4. Open a trade

After you press the Buy button you’ll see more information about the offer, including the terms of the trade. 

Read through them before submitting the trade request and if you don’t agree with them, you can go back to the previous page and choose another offer.

To start the trade, type in the blue box how much you want to buy, enter a message for the buyer and click the Send trade request button to start the trade.

Once you start the trade sellers Bitcoins will be moved from their wallet to the trade escrow.

Step 5. Wait for the seller to pay

After you’ve sent the trade request the seller will send you their payment details (e.g. if you want to with cash deposit the buyer will send you their bank account information).

The next step is to deposit cash into the seller’s account and upload your receipt to prove you made the deposit/trade.

Once you have confirmed that the payment has been made, then the seller will Release Bitcoins

This will send the Bitcoins from the trade escrow to your Localbitcoins wallet and complete the trade.

Here you go, now you have just purchased your bitcoin with cash deposit.

Fees: LocalBitcoins charges a flat 1% fee on each bitcoin purchase.

Supported Countries: LocalBitcoins serves more than 200 countries and territories on its platforms. 

The countries which are not served are locked out as a result of either international financial restrictions, or regulatory prohibitions. 

Countries not served include the US, China, Indonesia, Syria, and North Korea. 

Deposit and Withdrawal Options: Transactions on LocalBitcoins are done from one individual entity to another. 

Therefore, only payment methods that allow for P2P (i.e. person-to-person) transactions are permitted on the LocalBitcoins platform. 

Therefore, LocalBitcoins allows its users to perform deposits and withdrawals using the following channels:

  • PayPal
  • Wire transfer
  • Mobile money (selected countries)
  • Western Union
  • Webmoney
  • Cash by mail
  • Cash (done in person)

How to buy bitcoin with cash on Bisq

Bisq is decentralized, private, and secure—but it’s surprisingly approachable and this guide will help you get up and running quickly.

Specifically, I’ll show you how to buy bitcoin with US dollars, using a popular payment method called Zelle. 

Keep in mind, though, that Bisq offers support for trading all national currencies and dozens of different cryptocurrencies and tokens—the only constraint is that one side of each Bisq trade must always be bitcoin.

Step 1: Download & install

To run Bisq, download and install it from the Bisq downloads page.

Once the installer is finished, go ahead and open Bisq. 

It’ll take a few moments to open as it connects to the Tor network and syncs with Bisq’s peer-to-peer trading network.

When that’s done, the first screen you see should look something like this:

buy bitcoin with cash on bisq

The right half of the screen (green graph) shows outstanding offers you can take to buy bitcoin. 

Why do I need to download software? Why can’t I just trade on their website?

Unlike most exchanges, Bisq doesn’t run a centralized server for making and taking offers, so trading on a website isn’t possible.

Instead, Bisq manages offers to trade using a peer-to-peer network a global network of people who are also running Bisq on their own computers.

This is good news for users because centralized services are easy to monitor, block and shut down, while peer-to-peer networks like BitTorrent, Bitcoin, and Bisq are difficult to surveil, censor and hack.

This means that if you want to use the Bisq Network, you’ve got to download and run the software too!

Step 2: Configure a national currency account

Since you’re looking to buy bitcoin, let’s take a look at the Buy BTC screen. 

You should see a list of offers, but you’ll notice all the green Take offer buttons are disabled:

That’s because you haven’t yet configured a way to pay for the bitcoin you want to buy. 

So let’s set up a payment method. 

Bisq works with many different payment methods, so you can choose those you already have access to and are most comfortable using. 

Keep in mind that payment methods determine: which offers you can take right now (e.g., in the image above, Zelle has a couple of existing offers, so if we set up a Zelle account in Bisq, we could immediately take any of those Zelle offers).

how quickly a trade can be completed (e.g., a bank transfer will go through quicker than a money order sent by mail; see details here)

What if there are no existing offers for the payment method I want to use?

If you don’t see any offers for the payment method you want to use, consider creating your own offer with the Create new offer to buy BTC with USD button in the top-right. 

Just keep in mind that your offer will only be available while your Bisq program is online.

You can also check back later, as offers come and go as Bisq users around the world go online and offline throughout the day.

Where is my payment account data stored?

On your computer only (i.e., the computer on which Bisq is installed). 

Only your trading partner (and your mediator or arbitrator, if there’s a dispute) will ever see your payment details.

In this tutorial, I’ll configure a Zelle account. 

You can adapt the instructions that follow to the payment method you choose.

Go to the Account screen and click Add new account. 

Select Zelle from the dropdown and enter your details.

You’ll need to enter your full name as registered with your Zelle account as well as the email address or mobile phone number linked to your Zelle account.

You don’t need to edit the Salt field. 

You can keep the Account name unchanged or change it however you like: this is an internal label that only you will ever see, so there’s no right or wrong value for it.

Once you’re done, hit the Save new account button and go back to the Buy BTC screen. 

Offers requiring the payment method you just configured should now be enabled:

After configuring a payment account: I picked Zelle, so Zelle offers are now enabled.

Pro Tip: It’s crucial the information you enter here is correct. 

Your trading partner can only acknowledge your payment if it’s from the account detailed here. 

Once you’ve created an account, you cannot edit its information (if you need to make a change, you’ll have to delete and add the account again).

Step 3: Make an offer

Now that you’ve gotten setup out of the way, let’s trade!

#1. Select an offer

Back in the Buy BTC screen, click the green Take Offer button for the offer you’d like to take.

#2. Send deposit and fees to trade wallet

When taking an offer, Bisq creates a special trade wallet to hold your security deposit and fees. 

This wallet will be used to pay your taker fee, and will then be used to transfer your security deposit into a multi-sig escrow transaction together with the seller’s security deposit and the bitcoin being traded.

Once you and the seller have completed your ends of the trade, you’ll receive the bitcoin you bought along with your security deposit.

Bisq will tell you the address of the trade wallet and exactly how much to send it.

If you already have enough bitcoin in your Bisq wallet, click Transfer funds from the Bisq wallet and the funds will automatically transfer to the trade wallet.

If not, go ahead and send the amount required (Funds needed) to the specified address (Trade wallet address).

A multi-sig escrow transaction? How does that work?

Bisq never takes custody of users’ bitcoin or national currency funds indeed there is no way it could because Bisq is just software, not a company. 

The “escrow transaction” mentioned above is a smart contract—specifically a 2-of-2 multi-signature Bitcoin transaction involving you and the seller. 

You can read more about multi-sig wallets here.

#3. Confirm trade

Once you’ve funded your trade wallet, you’ll see a Review: Take offer to buy when the bitcoin button appears.

Click it, and Bisq will then show you all the details of the offer you’re about to take.

Make sure these details are correct. 

After you confirm these details, there’s no backing out—you must follow through (or risk losing your deposit).

If it all looks good, go ahead and hit Confirm: Take an offer to buy bitcoin.

Your trade has now officially begun!

#4. Send payment

Now that you’ve taken an offer, it’s almost time to pay the seller.

First, before showing you the seller’s payment details, Bisq will wait for the Bitcoin network to confirm the trade’s transactions. 

On average, this takes 10 minutes.

Then, you’ll see a pop-up with the seller’s details. 

Go ahead and pay the seller through the agreed payment method.


Each confirmation makes a bitcoin transaction exponentially harder to reverse. 

You can wait for as many confirmations as you like before sending payment—just note the remaining time indicator. 

The seller must receive your payment before the timer runs out.

#5. Mark payment as sent

Once you’ve sent your payment, be sure to mark the payment as sent in Bisq by clicking the Payment started button.

It’s easy to forget this step but remember: Bisq doesn’t integrate with national currency payment methods in any way—so Bisq won’t know you’ve sent your payment until you say so.

When you click Payment started, the seller will receive a notification that lets them know the payment is on the way. 

They’ll be on the lookout for it now.

#6. Complete trade

When the seller receives your payment, they’ll mark it as received in Bisq. 

Bisq will then complete the trade by releasing the bitcoin you bought to you along with your security deposit.

You can keep your new bitcoin in your built-in Bisq wallet by clicking Move Funds to Bisq Wallet or send it elsewhere by clicking Withdraw to External Wallet.

Congratulations. You’ve just completed your first trade on Bisq!

Note on Limits for New Payment Accounts

To secure the network from scammers and other bad actors, unsigned Bisq payment accounts are limited to buying 0.01 BTC until they are signed by another trusted peer.

You can have your new payment account signed by selecting an offer to buy bitcoin from a seller who’s capable of signing your account.

Just look for an offer with this checkmark:

Note on trading fees

You’ll notice a toggle to pick between BTC trading fees and BSQ trading fees.

What’s this about? Is Bisq shilling its own altcoin?

BSQ is colored bitcoin that funds and governs Bisq.

BSQ colored bitcoin and Bisq DAO achieves these functions for the Bisq network without a corporate entity, legal jurisdiction, or any designated “leadership”.

Using BSQ is optional. But buying BSQ pays Bisq’s developers and makes the project sustainable, so it’s encouraged, and this is reflected in trading fees—BSQ fees are considerably lower than BTC fees.

If you’d like to give BSQ a try, see how you can get some.


It’s crucial that you secure your Bisq wallet. 

Without a password, your wallet data is stored on your hard drive unencrypted. That’s dangerous.

Please follow this short guide to set up a password, encrypt your wallet, and securely store your wallet’s recovery seed words.


All your data is stored locally on your machine in the Bisq data directory. 

If something happens, no one can help you!

Therefore it’s also crucial that you back up your Bisq data directory on a regular basis. Here are the details and instructions.

Mobile Notifications

There are points in the Bisq trading process when your attention is required, but what if you’re not near your computer at those times?

To solve this problem, you can get Bisq’s mobile notifications apps for iOS and Android. 

Once paired with your Bisq client, the app will send you a notification as soon as an offer is accepted, a payment is sent, etc.

Buy Bitcoins with Cash from Bitcoin ATMs

The Bitcoin ATM map helps you find a Bitcoin ATM in your local area.

Using Bitcoin ATMs you can buy bitcoins with cash ONLY.

The average ATM charges a fee of 5-10%, but this is what people are willing to pay to buy bitcoins privately and with no verification.

There are many Bitcoin ATM manufacturers, so each ATM is different.

For more info on how to use the different bitcoin ATMs, check this out.

Some ATMs may require verification, like a picture of an ID or a fingerprint scan, although most don’t.

Here is how you can check if there is a Bitcoin ATM near you:

Step 1: Visit and search the map by location

Using the Coin ATM Radar, you can be able to look up for bitcoin ATM near you.

In the search box in the top left, type in the name of your country or city and click enter.

buy bitcoin with cash from bitcoin ATM

Choose the crypto you will like to buy and continue your search.

Step 2: Find an ATM

Once you search, you’ll be taken to the location you entered on the map. 

If you see map pin markers, you’re in luck.

That means there are Bitcoin ATMs in your area.

Step 3: Choose an ATM

Click on one of the map markers for more details about a specific ATM. 

From there, you can also click on “View details” or “Get directions” at the bottom for more details about the ATM.

Fees: Bitcoin ATMs generally sell bitcoins at a mark-up of 5-10%.

Before you buy bitcoin from an ATM, check the ATM’s price against a Bitcoin price index like Bitcoin Average or the Cryptocurrency price list.

Pro tip: When someone asks or forces you to use a bitcoin ATM  BEWARE OF SCAMS

They might pretend to be from revenue agency, social security agency, utility companies or any other official authority (even falsifying the phone number they call from). 

Don’t fall for these scams.

5 steps to buy bitcoin with cash on Paxful

If you’re looking to purchase bitcoin with cash, there are three main ways to do so on Paxful:

  • Cash in Person
  • Cash by Mail
  • Cash Deposits

All the processes are done similarly on Paxful but as an example, let’s use “Cash in Person.” 

Buying bitcoin via “Cash in Person” is essentially scheduling a meetup with a vendor and physically continuing the trade in person.

Step 1: Get started

To start a trade for Cash in Person, create or log into your account and click on the “Buy Bitcoin” button.

buy bitcoin with cash on paxful

Step 2: Choose the preferred payment method

After clicking on the button, you’ll be redirected to the “Buy Bitcoin” page where you can input your preferred currency and payment method.

When you click on the payment method input field, a page showcasing all the payment methods available on Paxful will pop up. 

In this case, you’re looking for “Cash in Person.” 

One way to look for your desired payment method is by scrolling down the comprehensive list.

You also have the option of using the search bar to look for “Cash in Person.”

After successfully selecting “Cash in Person” as your payment method, you’ll be directed to the page where two more input fields will appear—country and city. 

Step 3: Search for offers

Since you’ll be physically meeting up with the vendor, you’ll need to set a parameter for where you are in the world.

When you’ve input all the necessary information, click on “Search For Offers.” 

A list of offers should then appear, all according to the preferences you’ve set previously. 

From this list, you’ll be able to choose the best offer for you.

Here are a few tips that will help you find the best possible offer for you:

  •  Check the details of the offer 

The offer will include a number of details you’ll need to take into account. 

Keep an eye on the price, or how much bitcoin you’ll be getting per dollar. 

This is important as each cash to crypto offer can come at a different price. 

You should also be on the lookout for the offer terms and instructions—they will show what the vendor needs from you in order to complete the trade. 

Make sure that you can comply with all the terms before initiating a trade. 

  • Determine whether or not your potential vendor is reputable 

Check the reputation (the + or – beside the vendor’s username), trade volume (how much BTC has gone through the vendor’s account), number of trade partners, and trade history of your potential trade partner. 

From there, you’ll be able to gauge how safe it is to trade with this vendor. 

  • Check the availability of the vendor 

If the vendor isn’t available when you want to trade, it could cause a lot of problems regarding the status of your funds. 

Always try to pick someone that has been online recently.

Once you have selected the perfect offer for you, click on “View Offer” and you will be taken to an offer page—where you can see more specific details about the offer and initiate a trade with the vendor.

After entering the amount of money you’re going to trade, a BTC equivalent will appear. 

If everything looks good and you’re ready to start the trade, click “Buy Now.” 

You will then be taken to an individual trade page where you can converse with your vendor via live chat. 

Step 4: Set a meeting place

Here, you’ll be able to clarify concerns or questions with your vendor. 

In the case of buying bitcoin with cash, you’ll be able to set a meeting place for the trade via the live chat, too.

Once a meeting place is set, go there at the agreed-upon time and have the cash ready. 

Step 5: Complete trade

After paying the vendor, be sure to mark the trade as “Paid” to prevent any kind of scam. 

Give some time to the vendor to verify your payment and once it’s officially verified, he/she should release the bitcoin from escrow.

Sometimes, especially for high amount trades, skilled scammers might try to trick you with fake banknote bills. 

Keep a money validator pen with you and release bitcoin-only after you’re sure the money you’ve received are real currency bills.

All there’s left to do is provide appropriate feedback and the trade will be complete.

Congratulations! You have completed cash to crypto trade!

As for “Cash by Mail” and “Cash Deposits,” the process remains the same aside from the payment method you choose. 

Instead of searching for “Cash in Person” on the payment method pop-up, search for “Cash by Mail” or “Cash Deposit.”

“Cash Deposits” have a much wider range, allowing you to pick the bank of your choice. 

There are tons of options to choose from. 

You can even use MoneyGram or Western Union to deposit into a bank.  

Cash deposits, on the other hand, are much simpler as buyers will just need to get the name and the account number of the vendor. 

After that, the buyer will go to the bank, deposit the money, and take a picture of the deposit slip to send to the vendor. 

Once the payment is verified, the bitcoin will be released from escrow and the trade will be complete.

Fees: Paxful charges no fees to buy bitcoin with cash.

Instead, Paxful charges a flat wallet send out fee of 0.0005 BTC for every send out from the wallet to an external Bitcoin address.

This fee covers the associated miner fee and maintenance of their secure wallet infrastructure.

Supported Countries: You can use the service to buy bitcoins whether you reside in the United States, United Kingdom, China, Australia, Canada, India, Japan, Nigeria, Mexico, Brazil, Russia or just about anywhere else in the world. 

The key is finding a seller who’s willing to work with someone residing in your country.

Users and traffic from the following countries are banned for Paxful:

Burundi, Central African Republic Sanctions, Cuba, Crimea region, Iran, Iraq, Lebanon, Libya, North Korea, Somalia, South Sudan-related Sanctions, Sudan and Darfur, Syria, Yemen.

How to Buy Bitcoins with cash on Bitquick

Here is a video guide to help you buy bitcoin with cash easily on Bitquick.

Step 1: Start your order

Select a bank from the current order book, on the website you will see all available sell orders listed with prices.

buy bitcoin with cash on bitquick

If you’d like them to help you select the best-priced order for your payment needs, use the quick buy tool instead. 

Once you pick a bank you will be required to fill in some details. 

This includes your email, phone number with area code, Bitcoin address, and Amount to purchase. 

Make sure to verify your phone number, and you can also change the amount of Bitcoin you want to receive.

Once you put in your details press “Buy Bitcoin”. This will lock in your order.

Step 2: Pay

Pay the described sum in cash (physical bills) to the account shown on the confirmation page by going to any local branch of the seller’s bank and filling out a deposit slip. 

Here is more info on how to fill out a deposit slip.

Step 3: Confirm deposit

Upload the receipt to the link that is provided in your email.

Bitquick sends you the coins typically within 3 hours of the funds being confirmed by the seller.

Wire transfers, an in-person account to account transfers, ACH transfers, check deposits, Wells Fargo Sure Pay, Chase QuickPay and any other unauthorized deposit methods is not be accepted. 

Fees: Bitquick charges a 2% service fee and a 0.0001 BTC mining fee.

Supported Countries: BitQuick is only available in the United States.

The minimum purchase is currently 0.0003 BTC ($2.77) to account for mining fees.

Users who have not completed an ID scan have a purchase limit of $400.00. 

You can view your purchase limits and scan your ID here.

Now, I’d Like To Hear From You

There you have it:

My 5 best ways to buy bitcoin with cash or cash deposit in 2021.

Now I’d like to hear from you.

Which method from today’s post are you ready to try first?

Are you going to buy bitcoins with cash deposits from Paxful?

Or maybe you want to try Bisq to purchase your bitcoin with cash.

Either way, let me know by leaving a comment below right now.

Patrick Amaechi

By Patrick Amaechi

My team and I write about all things bitcoin and cryptocurrency.

Our blog conveys the views of Uranuscrypto and the many unique opinions and characters within our team.

We’ll never provide you with financial advice, and we urge you to conduct your own research before purchasing or trading any cryptocurrencies in this vast and ever-changing world of digital currency😊

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