Is LBank regulated in the United States?

LBank does not serve U.S. customers. Its user agreement excludes residents of the United States, it holds no U.S. license, and there is no separate U.S. entity. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does LBank hold my crypto?

Yes, until you withdraw it to your own wallet. Anytime Capital delivers to a wallet you control or to its free non-custodial wallet.

Can I switch from LBank to Anytime Capital without moving my crypto?

Yes. Withdraw from LBank to a wallet you control (or leave it there), create an Anytime Capital account, verify once, and paste any wallet address at checkout. Nothing you already hold needs to move.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at every compliant platform.

Trust & safety

LBank

Our pick

Is LBank legit? What that does and does not mean

Q: Is LBank a scam?

No. LBank is a legitimate exchange operating since 2015. Registered in the British Virgin Islands and claims registrations in several other jurisdictions; not licensed by FinCEN, any U.S. state, or a major national regulator, and not verifiable beyond its own statements.

Q: How does Anytime Capital pricing compare with LBank?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. LBank prices third-party card purchases through partner processors at whatever rate the partner quotes, and none of them serve U.S. residents; LBank itself charges no card fee because it runs no card rail, with a per-coin network fee set by LBank, which reviewers note runs above the on-chain cost on some networks. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

LBank is a real exchange that has operated since 2015. The useful question is not whether it is a scam but what happens on the day something goes wrong, and that is where an online-only platform and a U.S. company with a front door part ways.

Registered in the British Virgin Islands and claims registrations in several other jurisdictions; not licensed by FinCEN, any U.S. state, or a major national regulator, and not verifiable beyond its own statements.
Holds your coins until you withdraw
Anytime Capital: a U.S. company you can call or visit

Buy crypto now Call (470) 748-2530 Buy Bitcoin now

Updated September 2026. LBank figures from its published pricing, terms and independent reviews.

FinCEN-registered U.S. money services business
Atlanta branch · Miami office
8,000+ completed trades
FDIC-insured cash account

Quick answer

Is LBank legit and safe to use?

Yes. LBank is a legitimate exchange founded in 2015, based in Tortola, British Virgin Islands. Registered in the British Virgin Islands and claims registrations in several other jurisdictions; not licensed by FinCEN, any U.S. state, or a major national regulator, and not verifiable beyond its own statements. LBank does not serve U.S. customers. Because it holds customer funds, the risk to weigh is a frozen account or a platform-level event, not an outright scam. What it does not offer is a phone number or a place to walk into, which is why many customers prefer Anytime Capital when something needs a human.

Buy crypto now Call (470) 748-2530 Buy Bitcoin now

2015
the year LBank was founded
Compared platform
900+
LBank at a glance
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital

Card pricing at Anytime Capital, where LBank has no card rail

Published fee percentages on a debit or credit card order

LBank does not sell crypto for a card payment directly: third-party card purchases through partner processors at whatever rate the partner quotes, and none of them serve U.S. residents; LBank itself charges no card fee because it runs no card rail. Anytime Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.

The checklist: does LBank pass?

LBank is a real exchange that has run since 2015, lists more than 900 tokens, and processes large daily volume. It is also an offshore one. Its registration is in the British Virgin Islands, it is not licensed by FinCEN, any U.S. state, or a major national regulator, and its claims about registrations elsewhere are its own statements rather than anything a customer can verify. Its user agreement excludes U.S. residents.

The question people are really asking is whether withdrawals clear, and the public record is uneven. Trustpilot has removed fake reviews from LBank's profile, the remaining score sits below 2 out of 5, and a widely shared Reddit thread in 2024 collected dozens of accounts of funds held under review for weeks. Many customers trade and withdraw without incident. Enough do not that the pattern is worth knowing before you deposit.

For a U.S. searcher the practical answer is that LBank is a functioning offshore venue that will not accept you, and any offer to open an LBank account for an American is itself the warning sign.

Registered in the British Virgin Islands and claims registrations in several other jurisdictions; not licensed by FinCEN, any U.S. state, or a major national regulator, and not verifiable beyond its own statements.
Operating since 2015, headquartered in Tortola, British Virgin Islands
Identity verification required
Holds customer funds; withdraw to your own wallet

What "safe" looks like when a trade goes sideways

Read the one-star reviews of LBank and a pattern appears: withdrawals held "under review" for weeks without a stated reason, accounts restricted after profitable trades, support tickets unanswered or answered with templates, withdrawal fees above the network cost on some coins. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On LBank you open a ticket or a chat and wait. At Anytime Capital you call (470) 748-2530 and speak to someone who can see the order, or walk into the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 and resolve it across a desk.

A front door, not a chat window

LBank is built to be used through a screen. We are built to be visited. Bring cash, bring questions, or bring a problem another platform could not solve.

Atlanta branch: 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324
Hours: Mon–Fri 10am–5pm · Sat 10am–2pm
Phone: (470) 748-2530

Anytime Capital branch storefront on Piedmont Road in Atlanta — Atlanta branch, Piedmont Road NE

One Biscayne Tower in Miami, home of the Anytime Capital Miami office — Miami office, One Biscayne Tower

How to protect yourself on any platform

Use the real website address and never a link from a message. Turn on two-factor authentication. Send your first purchase to a wallet you already control and confirm it arrives before buying more. Keep a screenshot of the confirmation screen with the fees. And if anyone contacts you claiming to be from any exchange and asks you to move money, hang up and call the number on the company's own site.

Leaving LBank? Your wallet address works here too.

Verify once with your ID and a selfie, pick a coin, choose any of nine ways to pay, and paste any wallet address you control. Card and Apple Pay orders confirm in minutes; wires settle the same business day.

Buy crypto now Open a free account

Non-custodial wallet, or your own address
FDIC-insured cash account with a free debit card
(470) 748-2530 during business hours
Walk-in branch in Atlanta, office in Miami

Side by side

LBank vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 11 of 14.

Category	LBank	Our pick
Card purchase fee	Third-party card purchases through partner processors at whatever rate the partner quotes, and none of them serve U.S. residents; LBank itself charges no card fee because it runs no card rail	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.1% maker and taker on spot at the base tier, 0.02% maker and 0.06% taker on futures	One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not offered; no fiat rails for U.S. customers	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	24/7 live chat and support tickets; no phone line	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	LBank does not serve U.S. customers. Its user agreement excludes residents of the United States, it holds no U.S. license, and there is no separate U.S. entity.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Basic trading and crypto deposits without identity verification, with a daily withdrawal cap; verified accounts submit a government ID and a selfie for higher limits, and compliance reviews can demand more at any point.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Deep books on a few majors, thin on most of its 900-plus listings; no U.S. OTC desk	Dedicated OTC desk with a named contact
Custody of your coins	Held in your account until you withdraw	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Registered in the British Virgin Islands and claims registrations in several other jurisdictions; not licensed by FinCEN, any U.S. state, or a major national regulator, and not verifiable beyond its own statements.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Chat answers quickly for routine questions. Reviewers whose withdrawals were held describe tickets that go unanswered for weeks.	Phone, email, or in person at the Atlanta branch

Card purchase fee
LBank
Third-party card purchases through partner processors at whatever rate the partner quotes, and none of them serve U.S. residents; LBank itself charges no card fee because it runs no card rail
Anytime
From 4% with the spread included, quoted in full before you confirm
Trading fees
LBank
0.1% maker and taker on spot at the base tier, 0.02% maker and 0.06% taker on futures
Anytime
One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash
LBank
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
LBank
Not offered; no fiat rails for U.S. customers
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
LBank
No
Anytime
Yes
Talk to a human
LBank
24/7 live chat and support tickets; no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
LBank
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
LBank
LBank does not serve U.S. customers. Its user agreement excludes residents of the United States, it holds no U.S. license, and there is no separate U.S. entity.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
LBank
Basic trading and crypto deposits without identity verification, with a daily withdrawal cap; verified accounts submit a government ID and a selfie for higher limits, and compliance reviews can demand more at any point.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
LBank
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
LBank
Deep books on a few majors, thin on most of its 900-plus listings; no U.S. OTC desk
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
LBank
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
LBank
Registered in the British Virgin Islands and claims registrations in several other jurisdictions; not licensed by FinCEN, any U.S. state, or a major national regulator, and not verifiable beyond its own statements.
Anytime
U.S.-based, FinCEN-registered money services business
Way to escalate a problem
LBank
Chat answers quickly for routine questions. Reviewers whose withdrawals were held describe tickets that go unanswered for weeks.
Anytime
Phone, email, or in person at the Atlanta branch

Ways to pay

9 ways to pay here. 0 at LBank.

LBank does not take U.S. dollars from a U.S. customer directly. Every rail below is live at Anytime Capital, including the ones no online platform offers.

MethodLBankAnytime Capital

Apple PayInstant, from your phoneNoYes
Google PayInstant, Android and webNoYes
Debit cardVisa and MastercardNoYes
Credit cardAmex and Discover accepted hereNoYes
ACH bank transferLower cost, settles in business daysNoYes
Domestic wireSame-day for larger ordersNoYes
Cash AppPay from your Cash App balanceNoYes
Cash in personAtlanta branch, counted at the counterNoYes
Cash by mailFrom anywhere in the U.S.NoYes

Coins

Every major coin, one checkout

Most of the volume on any platform is in the same few dozen coins. Every one below has its own buy page here, with Apple Pay, card, ACH, wire and cash at checkout.

How it works

Three steps from LBank to here

1
Verify once
Government ID and a selfie, online in minutes. Stuck? Call the branch or come in and finish it in person.
2
Pay your way
Apple Pay, Google Pay, card, ACH, wire, Cash App, cash in branch or cash by mail. The full price is on screen before you confirm.
3
Receive and keep going
Coins land in your own wallet or the free Anytime Capital wallet. Sell back to an FDIC-insured cash account and spend with the debit card.

Buy crypto now Call (470) 748-2530 Buy Bitcoin now

Ready to leave LBank behind?

Anytime Capital is a U.S. money services business serving customers worldwide, with a branch in Atlanta, an office in Miami, and card pricing from 4% with the spread included. Verification takes minutes, nine payment methods are live, and (470) 748-2530 reaches a person during business hours.

Wire transfer
Cash in person

Buy crypto now See fees & limits

Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.

Questions