.svg)
Buy BTCBitcoin$77,885-0.27%.svg)
Buy ETHEthereum$2,446-0.49%.svg)
Buy USDTTether$1.00-0.00%.svg)
Buy USDCUSD Coin$1.00+0.00%.svg)
Buy SOLSolana$105.14+0.47%.svg)
Buy XRPXRP$1.40-0.48%.svg)
Buy LTCLitecoin$49.11+1.43%.svg)
Buy DOGEDogecoin$0.0852-0.27%.svg)
Buy TRXTRON$0.3381-0.50%.svg)
Buy ADACardano$0.2011-1.08%.svg)
Buy AVAXAvalanche$7.33+0.57%.svg)
Buy DOTPolkadot$0.8406-1.27%.svg)
Buy LINKChainlink$11.40-1.06%.svg)
Buy BCHBitcoin Cash$244.81-1.51%.svg)
Buy XLMStellar$0.1790+0.36%.svg)
Buy SHIBShiba Inu$0.000005-0.64%.svg)
Buy TONToncoin$1.36-0.55%.svg)
Buy SUISui$0.7465+0.12%
Bank crypto guide
Buy Crypto with a USAA Card, Wire or ACH
USAA's story arc says a lot about banking and crypto: first big institution to pilot Coinbase integration (2016), then a 2018-era credit block that never lifted. For its military-community members today the playbook is simple — USAA debit works at licensed platforms, credit doesn't. Members buy at Anytime Capital with debit or Apple Pay in minutes, ACH for repeat orders, wires for size.
Updated August 2026 · Reviewed by the Anytime Capital trading desk
Does USAA allow crypto purchases?
Yes. USAA debit cards, ACH transfers and wires all work for buying crypto at Anytime Capital, a licensed US money services business. We also accept USAA credit cards — but USAA has blocked crypto on its own credit cards since 2018, so that authorization is theirs to give or refuse.
- Debit card
- USAA debit cards work at Anytime Capital, subject only to a routine first-purchase fraud check.
- Credit card
- Accepted at Anytime Capital. Blocked crypto on its own credit cards in 2018, so the authorization is USAA's call.
- ACH transfer
- ACH from a USAA account is accepted for buys, and used for payouts when you sell.
- Wire transfer
- Wires from USAA are accepted for buys, and we wire back to the same account when you sell.
Comparing institutions? See every US bank's crypto policy in one table.
USAA debit and credit cards are accepted at Anytime Capital for crypto.
Wire transfers from USAA are accepted for crypto — and we send wires back to your USAA account when you sell.
- USAA debit cards — buy crypto in minutes
- USAA credit cards — all major networks accepted here
- USAA wire transfers — in for buys, out for sells
- ACH, Apple Pay, Google Pay and branch cash also accepted
- Wire transfer
- Cash in person
Credit cards are accepted here that other crypto platforms turn away.
This issuer publicly blocked crypto purchases on its own credit cards back in 2018, which is why the same card is turned away at most crypto platforms. Anytime Capital accepts all major credit cards — Visa, Mastercard, American Express and Discover — from every bank and credit union we cover.
The honest caveat: Acceptance is our decision as the merchant; authorization of any individual transaction is USAA's, and your cardholder agreement controls. USAA has restricted cryptocurrency purchases on its credit cards since the 2018 issuer wave, and credit attempts still decline in 2026. Notably, USAA was once the most crypto-curious big institution — it offered Coinbase account visibility in its app from 2016 until winding it down in 2019.
About USAA
- Founded
- 1922
- Headquarters
- San Antonio, Texas
- Size
- ~$115 billion in assets; roughly 13 million members
- Footprint
- Fully digital nationwide — no retail branch network
- ATM access
- ~100,000 fee-free ATMs via preferred networks, plus ATM fee rebates
- Worth knowing
- USAA was the first large US institution to pilot Coinbase account visibility in its app, running the integration from 2016 to 2019.
Cards issued: Visa debit · Visa & Amex credit
USAA card policy for crypto purchases
Debit card
WorksUSAA Visa debit cards work for crypto purchases at licensed platforms, including Anytime Capital.
Credit card
Accepted at Anytime CapitalAll major credit cards are accepted at Anytime Capital — Visa, Mastercard, American Express and Discover — including your USAA card. This issuer publicly blocked crypto purchases on its own credit cards back in 2018, which is why the same card is turned away at most crypto platforms. Acceptance is our decision; authorization of any single transaction remains USAA's.
At Anytime Capital
USAA credit and debit acceptedVisa, Mastercard, American Express and Discover, credit and debit alike, plus Apple Pay, Google Pay, ACH, wires and branch cash. No card network is turned away at the door.
At other crypto platforms
Issuer has blocked crypto since 2018USAA has restricted cryptocurrency purchases on its credit cards since the 2018 issuer wave, and credit attempts still decline in 2026. Notably, USAA was once the most crypto-curious big institution — it offered Coinbase account visibility in its app from 2016 until winding it down in 2019.
Worth knowing: USAA supports ACH and wires to licensed platforms. As a fully digital bank (no branches), its card fraud prompts arrive by app notification — approve and retry on a first purchase.
Buying crypto with a USAA wire transfer
Wire transfers from USAA are accepted at Anytime Capital for crypto purchases.
USAA sends domestic wires online or by phone with same-day settlement before the cutoff; international wires are supported for members abroad.
Wires are the standard rail once an order outgrows a daily card limit: there is no card ceiling, the funds arrive as cleared dollars, and our OTC desk quotes the price before you send. Send the wire from an account in your own name — third-party wires cannot be accepted — and the crypto goes out to your wallet on the network you choose once the funds land and compliance review completes.
Selling crypto and getting a wire to your USAA account
Anytime Capital buys crypto back and sends the dollars to your USAA account by wire transfer or ACH.
Selling runs the same process in reverse: lock a price with the desk, send the crypto from your wallet, and we pay out in US dollars to the USAA account already verified on your profile. Wires are the fastest payout rail — same business day when the sale settles before the cutoff — and ACH is the free, slower alternative. Larger sells are handled by our OTC desk with a quoted price rather than a moving market rate.
You can sell BTC, ETH, LTC, SOL, XRP, USDT, USDC and 20+ other assets directly, or bring cash out in person at our Atlanta and Miami branches. Payout account names must match your verified identity — a rule that protects you as much as it satisfies our compliance obligations.
What you can buy with your USAA account
Every asset below is available to USAA customers by debit card, credit card, Apple Pay, Google Pay, ACH or wire transfer. Pick the coin, pick the delivery network, and it lands in a wallet you control.
Buy BTC — BitcoinBuy BTC / buy BitcoinBuy ETH — EthereumBuy ETH / buy EtherBuy USDT — TetherBuy USDT (TRC-20, ERC-20, SPL)Buy USDC — USD CoinBuy USDC stablecoinBuy SOL — SolanaBuy SOL / buy SolanaBuy XRP — XRPBuy XRP / buy RippleBuy LTC — LitecoinBuy LTC / buy LitecoinBuy DOGE — DogecoinBuy DOGE / buy DogecoinBuy TRX — TRONBuy TRX / buy TRONBuy ADA — CardanoBuy ADA / buy CardanoBuy AVAX — AvalancheBuy AVAX / buy AvalancheBuy LINK — ChainlinkBuy LINK / buy ChainlinkPlus 38+ assets in total, including BNB, DOT, XLM, SHIB, TON, SUI, APT, NEAR, BCH, ETC, HBAR, ICP, ATOM, INJ, SEI, STX, POL, ARB, OP and KAS. See the full buy menu.
Every way a USAA customer can pay
Debit card
Every major US bank's debit card. Fastest route for most buyers — minutes end to end.
Credit card
Visa, Mastercard, American Express and Discover accepted here, subject to your issuer's own policy.
Apple Pay & Google Pay
Tokenized checkout with the card already in your wallet — trips fewer bank fraud screens.
Wire transfer
Domestic wires in for larger buys, and wires out to your bank when you sell.
ACH bank transfer
Pull straight from checking — the low-cost lane for repeat buying.
Cash in person
Atlanta and Miami branches for cash buys and sells with a human across the counter.
Cash by mail
A structured, tracked option for clients without branch access.
How USAA customers buy at Anytime Capital
- 1
Create your free Anytime Capital account and verify your identity — a routine, legally required step that takes minutes for most customers.
- 2
Choose your coin and the delivery network — BTC, ETH, LTC, SOL, XRP, USDT (TRC-20, ERC-20 or SPL), USDC and 38+ more — with pricing shown before you commit.
- 3
Pay with your card, the same card inside Apple Pay or Google Pay, an ACH transfer, or a wire for larger amounts. First-time card purchases may need a one-tap fraud approval from your bank.
- 4
Receive the crypto in the wallet address you chose, typically within minutes of the payment clearing. Your keys, your coins.
US-based and licensed
A registered money services business with real branches, not an offshore app.
Thousands of customers
Individuals and businesses buying and selling every day since 2018.
Your keys, your coins
Delivery to a free non-custodial wallet, or any address you already control.
Your USAA card, wire and ACH all work here
Anytime Capital is the #1 place to buy crypto with a debit card, wire transfer, Apple Pay & more. USAA customers buy BTC, ETH, LTC, SOL, XRP, USDT, USDC and 38+ other assets, with delivery to a wallet you control — and sell back for a wire to the same USAA account.
- Wire transfer
- Cash in person
Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.
USAA crypto questions, answered
Can I buy crypto with my USAA debit card?
Yes — USAA Visa debit works at Anytime Capital and other licensed platforms as a normal purchase from checking. Approve the app's fraud notification on a first order and you're through.
Does USAA allow crypto on credit cards?
Anytime Capital accepts USAA credit cards, along with every other major credit card. USAA has restricted crypto on its own credit products since 2018, which is why those cards are refused at most crypto sites — USAA authorizes each transaction, so USAA debit, Apple Pay, ACH or a wire remain the fallback.
Didn't USAA used to support Coinbase?
Yes — USAA piloted Coinbase balance visibility in its app starting in 2016, the first large US institution to do so, and retired the integration in 2019. It's a good reminder that bank crypto stances move in both directions.
Can I wire from USAA for a crypto purchase?
Yes — USAA sends domestic wires to licensed crypto businesses; initiate before cutoff for same-day settlement. Our OTC desk handles USAA wires from military families regularly.
What's the fastest crypto route for a USAA member?
USAA debit or Apple Pay at Anytime Capital — verification in minutes, delivered to a wallet you control. US-based, thousands of customers, human support that answers.
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Important Disclosures
- Anytime Capital accepts USAA debit cards and all major credit cards, plus ACH and wire transfers. Acceptance is ours; whether a specific card authorizes a given purchase is USAA's decision, not ours. Issuer positions summarized here, including what the same card typically encounters at other platforms, are public or widely reported stances that can change.
- Credit-card crypto purchases may be treated as cash advances by some issuers — your cardholder agreement controls.
- Digital assets are not FDIC-insured, are not bank deposits, and may lose value.
- All purchases and sales are subject to identity verification and compliance review. See fees and limits for pricing.