Buy crypto with a bank transfer, no KYC
You pay a seller directly from your bank account and the platform escrow releases the coins. The platform does not check your ID; your bank still sees the transfer. 27 listed platforms support it, ranked here by Safety grade.
| # | Service | KYC | Privacy | Safety | Evidence | Accepts | Incidents |
|---|---|---|---|---|---|---|---|
| 01 |  Bisq Accepts Monero No account needed Never holds your funds Open source P2P Exchanges · Open-source desktop P2P exchange for bitcoin with no registration | Never KYC 0 | 9.3 | 8.0 | Docs reviewed | BTCXMR | |
| 02 |  Haveno Accepts Monero No account needed Never holds your funds Open source P2P Exchanges · Open-source protocol for non-custodial Monero trading over Tor | Never KYC 0 | 9.2 | 7.3 | Docs reviewed | XMRBTCETH | |
| 03 |  Mostro No account needed Never holds your funds Open source P2P Exchanges · Open-source P2P bitcoin trading protocol over Nostr and Lightning hold invoices | Never KYC 0 | 8.9 | 7.3 | Docs reviewed | BTC | |
| 04 |  Peer No account needed Never holds your funds Open source P2P Exchanges · P2P fiat on/off-ramp settling through smart-contract escrow and payment-app proofs | Not mentioned KYC 1 | 7.3 | 7.0 | Docs reviewed | USDCETHSOL +2 | |
| 05 |  Vexl Never holds your funds Open source P2P Exchanges · Mobile app for finding bitcoin trades within your own social network | Not mentioned KYC 1 | 6.1 | 7.0 | Docs reviewed | BTC | |
| 06 |  Hodl Hodl Never holds your funds P2P Exchanges · Web-based P2P bitcoin trading with 2-of-3 multisig escrow | Not mentioned KYC 1 | 6.0 | 7.0 | Docs reviewed | BTC | |
| 07 | Dawnswap Tor onion address Accepts Monero No account needed Never holds your funds P2P Exchanges · Independent Haveno network for peer-to-peer Monero trading over Tor | Never KYC 0 | 9.7 | 6.6 | Docs reviewed | XMRBTCETH +5 | |
| 08 |  SkipShift No account needed Never holds your funds P2P Exchanges · Wallet-based peer-to-peer fiat on/off-ramp settled through smart-contract escrow | Rare KYC 2 | 6.1 | 6.4 | Docs reviewed | USDTUSDCDAI | |
| 09 |  Peach Bitcoin No account needed Never holds your funds Open source May ask for ID P2P Exchanges · Swiss mobile P2P bitcoin app; sell offers restricted since September 2026 | Rare KYC 2 | 6.5 | 6.3 | Docs reviewed | BTC | |
| 10 |  Mt Pelerin May ask for ID No-KYC Exchanges · Swiss on/off-ramp with a CHF 999 per month tier that needs no ID document | On risk flag KYC 3 | 1.9 | 6.1 | Docs reviewed | BTCETHUSDT +1 | |
| 11 |  lnp2pBot No account needed Open source P2P Exchanges · Telegram bot for P2P bitcoin trades settled over Lightning | Never KYC 0 | 8.2 | 5.8 | Docs reviewed | BTC | |
| 12 |  RoboSats Tor onion address No account needed Open source P2P Exchanges · Tor-based P2P bitcoin exchange settling over Lightning with robot identities | Never KYC 0 | 8.7 | 5.7 | Docs reviewed | BTC | |
| 13 |  Bitpapa Accepts Monero May ask for ID P2P Exchanges · Custodial P2P marketplace with escrow, web wallet and Telegram bot | On risk flag KYC 3 | 1.9 | 4.8 | Docs reviewed | BTCETHUSDT +2 | |
| 14 |  LocalCoinSwap P2P Exchanges · P2P marketplace for 20+ cryptocurrencies with non-custodial trade options | Not mentioned KYC 1 | 6.0 | 4.7 | Docs reviewed | BTCETHLTC +3 | |
| 15 |  BestChange Accepts Monero No account needed May ask for ID Swap Aggregators · Long-running monitor of e-currency and crypto exchangers with reserves and reviews | On risk flag KYC 3 | 3.4 | 4.7 | Docs reviewed | BTCUSDTETH +2 | |
| 16 |  AvanChange Accepts Monero May ask for ID Instant Swaps · Russian-language exchanger for crypto, rubles and cash, operating since 2018 | On risk flag KYC 3 | 2.4 | 4.6 | Docs reviewed | BTCUSDTXMR +7 | |
| 17 |  BitValve May ask for ID P2P Exchanges · Custodial P2P marketplace with escrow; email-only tier capped at $1,000 a year | On risk flag KYC 3 | 1.5 | 4.3 | Docs reviewed | BTCLTCETH +1 | |
| 18 |  PLATOV Accepts Monero No account needed May ask for ID Instant Swaps · Broker-model crypto and fiat exchanger routing orders to partner exchanges since 2017 | On risk flag KYC 3 | 2.7 | 4.0 | Docs reviewed | BTCETHUSDT +7 | |
| 19 |  Mchanger No account needed May ask for ID Instant Swaps · Multilingual exchanger for crypto, e-money and cash (passport needed for cash); AMLBot screening | On risk flag KYC 3 | 2.4 | 4.0 | Docs reviewed | BTCUSDTETH +4 | |
| 20 |  Bitrica Accepts Monero P2P Exchanges · Small P2P escrow marketplace for BTC and XMR with an on-site wallet; email sign-up | Not mentioned KYC 1 | 5.7 | 3.8 | Docs reviewed | BTCXMR | |
| 21 |  InstantExchangers Accepts Monero No account needed May ask for ID Instant Swaps · Nigerian e-currency exchanger with crypto swaps and naira buy/sell; ID required above AML thresholds | On risk flag KYC 3 | 3.0 | 3.6 | Docs reviewed | BTCETHUSDT +7 | |
| 22 |  YellowChanger No account needed May ask for ID Instant Swaps · Russian-language exchanger for crypto and rubles (SBP, Sber); ID can be demanded on high-risk deposits | On risk flag KYC 3 | 2.6 | 3.6 | Docs reviewed | BTCUSDTETH | |
| 23 |  AlwaysMoney Accepts Monero May ask for ID Instant Swaps · Order-based crypto and bank-card exchanger with BitOK risk scoring | On risk flag KYC 3 | 2.0 | 3.6 | Docs reviewed | BTCXMRETH +9 | |
| 24 |  BitFlaming May ask for ID Instant Swaps · Semi-automatic exchanger working with Russian bank cards, with mandatory AML checks | On risk flag KYC 3 | 1.5 | 3.6 | Docs reviewed | BTC | |
| 25 |  CoinPayMaster Accepts Monero No account needed May ask for ID Instant Swaps · Russian-language exchanger for crypto, rubles and cash; AML checks with BitOK/Coinkyt and SumSub KYC | On risk flag KYC 3 | 1.9 | 3.0 | Docs reviewed | BTCETHUSDT +5 | |
| 26 |  RetoSwap Accepts Monero No account needed Never holds your funds Open source P2P Exchanges · Largest Haveno-based Monero P2P network; exploited twice in mid-2026 | Never KYC 0 | 8.9 | 2.7 | Docs reviewed | XMRBTCETH +1 | |
| 27 |  OpenMonero Accepts Monero P2P Exchanges · LocalMonero-style P2P Monero marketplace with repeated reported losses | Not mentioned KYC 1 | 6.6 | 2.0 | Docs reviewed | XMR |
Check the rules where you live
Listings describe services; they are not advice. Whether a provider may serve you depends on local rules.How a bank transfer trade works
- Open a self-custody wallet and copy a receiving address.
- Pick an offer from a seller with a long trade history, and check the price premium.
- The seller’s coins are locked in escrow before you pay.
- Pay by bank transfer exactly as the offer describes, and mark the payment as sent.
- The seller confirms and the escrow releases the coins to your wallet.
Staying safe
- Stay on the platform. Requests to settle outside the escrow are the most common fraud.
- Start small. A first trade with a new counterparty should be one you can afford to dispute.
- Prefer non-custodial escrow. No operator can freeze a multisignature escrow on its own.
- Read the incident record. Escrow software has had bugs; each listing shows what happened and how it ended.
Questions
Buy BitcoinBuy MoneroBuy EthereumBuy LitecoinBuy TetherBuy USD CoinBuy SolanaBuy Bitcoin Cash
Can I buy Bitcoin with bank transfer and no KYC?
Yes. 27 listed peer-to-peer platforms and exchanges let you pay by bank transfer without identity verification by the platform. 10 of them are non-custodial, so no company holds your funds during the trade.
Which coins can I buy with bank transfer?
Across the listed services: Bitcoin, Monero, Ethereum, USD Coin, Solana, Tether, Litecoin, Bitcoin Cash. Bitcoin has the most offers; Monero is available on platforms built for it.
Is paying by bank transfer private?
The platform may know nothing about you, but your bank sees the transfer and your trading partner sees your account name. If that matters, cash trades reveal less.
How does the escrow protect me?
The seller’s coins are locked before you pay. On non-custodial platforms the lock is a multisignature address or a Lightning hold invoice that the operator cannot spend alone. If there is a dispute, an arbitrator decides who receives the coins.