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Anytime Capital is the best place to buy crypto with a credit card. It accepts more credit card brands than any other crypto exchange (Visa, Mastercard, American Express, Discover, Diners Club, JCB, and UnionPay, issued in any country), offers the highest credit card purchase limits, delivers Bitcoin, Ethereum, USDT, USDC, and 35+ other assets to your wallet in seconds, and pairs it all with a free non-custodial wallet, an FDIC-insured cash account, and physical branches in Atlanta and Miami.
What Anytime Capital is, how to open an account, and how to reach us.
Anytime Capital is the all-in-one platform for cash, stablecoins, and crypto. Your Anytime Capital account comes with a Mastercard® prepaid reloadable debit card, account and routing numbers, instant on/off ramping, currency conversions, stablecoin transfers, and a non-custodial wallet for BTC, ETH, SOL, USDC, USDT, LTC and TRX — all from one app.
Funds loaded to your Anytime Capital card are FDIC-insured up to applicable limits through our partner bank, Pathward N.A., Member FDIC. We use bank-grade encryption, real-time fraud monitoring, and multi-factor authentication on every account.
Transparent pricing, no surprises. Your Anytime Capital cash account has a $4.95 monthly fee that's waived when you load funds within any 30-day period. Enjoy fee-free withdrawals at 55,000+ MoneyPass® ATMs and competitive rates on crypto and stablecoin conversions.
Getting started is easy! You can open an account online through our website or visit our Atlanta branch location. Simply provide your identification, contact information, and make an initial deposit. Most accounts can be opened in minutes.
Account verification typically takes 1-2 business days. We'll review your information and may request additional documentation if needed. You'll receive email notifications throughout the process to keep you updated.
You can reach our customer support team 24/7 through our mobile app, website chat, or by calling (470) 748-2530. You can also visit our Atlanta branch at 2549 Piedmont Rd NE Suite 110 during business hours for in-person assistance.
Which cards and payment methods work on our site, and what to do if one is declined.
Yes. Anytime Capital is the best place to buy crypto with a credit card, for four concrete reasons:
You also get a free non-custodial wallet, so the crypto you buy is yours from the first second.
Anytime Capital. It accepts every major credit card network: Visa, Mastercard, American Express, Discover, Diners Club, JCB, and UnionPay, whether the card is personal, business, or co-branded (Delta, Marriott, Hilton, Amazon, and so on), and whether it was issued in the United States or abroad.
Most exchanges accept only Visa and Mastercard. American Express and Discover are refused by many of them, and cards issued outside the US are often blocked. At Anytime Capital, if your card carries one of the seven logos above, it works.
Anytime Capital offers the highest credit card limits of any crypto exchange. We do not impose a small daily cap on card purchases; the limit is your card's available credit, subject to standard identity verification.
Your card issuer sets its own per-transaction and daily limits, and some issuers screen the first crypto purchase with a text message you approve. If a large purchase is declined, call the number on the back of your card and ask them to approve it, or contact our support team and we will help you complete the order.
All major card brands are accepted, whether the card is credit, debit, or prepaid:
If your card carries one of these logos, it works here. You can also pay with Apple Pay and Google Pay, which use whichever card you have linked in your wallet.
Both work. Debit cards are usually the better choice: the money comes straight from your bank balance, and you avoid the cash-advance fees and interest that some credit card issuers apply to crypto purchases. If you prefer to use credit, the purchase is processed like any other online card payment; just check with your issuer whether they treat crypto as a cash advance.
Yes. Prepaid cards, virtual card numbers, and business cards all work as long as they run on one of the major networks (Visa, Mastercard, American Express, Discover, Diners Club, JCB, or UnionPay) and are enabled for online purchases. A few gift-card style prepaid cards are locked to in-store use only, so if one is declined, try a different card.
Yes. Apple Pay and Google Pay are both available at checkout. The payment runs on the card you have saved in your wallet, so the same card brands and fees apply. Apple Pay needs an Apple device; Google Pay works on Android and in supported browsers.
Card declines almost always come from the card issuer, not from us. The most common fixes:
Still stuck? Chat with us in the app or on the website and we'll help you find a payment method that works.
For your protection, card payments may trigger 3-D Secure (shown as Visa Secure, Mastercard Identity Check, American Express SafeKey, or similar). Your bank will ask you to approve the purchase in its app or by one-time code. Approve it and the order continues automatically. This is a normal security step and does not mean anything is wrong with your card.
In addition to every major card brand, Apple Pay, and Google Pay, you can pay by:
Bank transfers and cash carry the lowest fees. Cards are the fastest.
Buying, selling, fees, and keeping your digital assets secure.
You can buy, sell, hold, and send Bitcoin (BTC), Ethereum (ETH), Solana (SOL), USD Coin (USDC), Tether (USDT), Litecoin (LTC), and TRON (TRX) directly through our platform, or visit our branch for in-person transactions with competitive rates.
You can buy through our website, the mobile app, or in person at our Atlanta branch. Online it takes four steps:
Selling works the same way in reverse:
Prefer cash? Visit our Atlanta branch to sell in person.
Digital asset fees vary based on payment method, customer level, and purchase amount. The exact rate is shown at the time of purchase. From lowest to highest:
All major cards are supported, including Visa, Mastercard, American Express, Discover, Diners Club, JCB, UnionPay, and more.
Rates are subject to change at any time.
Card, Apple Pay, and Google Pay purchases are delivered to your wallet within minutes of the payment being approved. Bank transfers are delivered as soon as the funds arrive, which is usually the same business day for domestic wires and 1-3 business days for SEPA and SWIFT.
Please be advised, transactions may be delayed, placed under review, or canceled due to security checks, regulatory requirements, or network conditions.
Yes. Your Anytime Capital wallet is non-custodial, so only you hold the keys. Behind the scenes we use cold storage, multi-signature wallets, and advanced encryption to protect assets in transit, and your holdings are segregated and protected with institutional-grade security.
Your non-custodial wallet: sending, receiving, network fees, and your backup phrase.
Your USDC or USDT is safe. The send is blocked because your wallet has nothing to pay the network fee with.
Here is why. USDC and USDT are tokens. They live on another coin's network: Ethereum, Tron, or Solana. Every transfer on that network costs a small fee (usually a penny or less), and the fee must be paid in that network's own coin, not in USDC or USDT.
So if your wallet holds USDT on Tron but zero TRX, there is nothing to pay the fee with, and the transfer cannot go out. Nothing is lost, the network is simply waiting to be paid.
How to fix it:
Don't want to buy the coin? When you confirm a stablecoin send, you can tick "Cover the network fee". For a small flat service fee, paid in your USDC or USDT, we put the needed ETH, TRX, or SOL into your wallet for you.
Very little. Sending ETH or SOL from your Anytime Capital wallet costs about a penny or less, so $1–2 of ETH or SOL in the wallet is enough for many sends. As a simple guide:
Sending USDT or USDC on Ethereum uses a little more ETH than sending ETH itself, but it is still usually well under a dollar. The wallet shows the exact fee before you confirm every send, so you will always see what a transfer costs. Fees go up and down with how busy the network is.
It means you are the only person who controls your crypto.
A custodial wallet (like an exchange) holds your coins for you, the way a bank holds your cash. A non-custodial wallet gives you the keys. Your keys are created on your own device and never leave it. Anytime Capital cannot see them, cannot freeze your coins, and cannot move them.
The trade-off: because we never hold your keys, we also cannot recover them for you. Your 12-word backup phrase is the only way to get your wallet back, so keep it safe.
The wallet holds the major coins and the most used stablecoins:
One wallet, one backup phrase, all networks. You can also buy any of these directly into the wallet with a card, Apple Pay, Google Pay, or bank transfer.
When your wallet is created you get 12 English words in a fixed order. This is your backup phrase (also called a seed phrase or recovery phrase). Anyone who has these 12 words has your wallet, so treat them like cash.
Do:
Don't:
You can view your phrase again at any time from the wallet page in your dashboard.
Sign in to Anytime Capital on the new device. An encrypted copy of your wallet is saved to your account, locked with a key that only your device can produce, so your wallet usually comes back on its own after you sign in.
If it does not, open the wallet page, choose Restore, and type your 12 words in order. Your coins and history will reappear. The coins were never on your old phone; they are on the blockchain, and the words are what proves they are yours.
If you can still sign in to your account and the wallet shows on your device, you are fine: open the wallet page and write your phrase down now.
If you have lost both your account access and your 12 words, no one can recover the wallet, including us. That is the nature of a non-custodial wallet: there is no master key. This is why we ask you to write the words down on paper the day you create the wallet.
Yes. If you have a 12-word phrase from another wallet app, choose Restore on the wallet page and enter it. Your Bitcoin, Ethereum, Solana, Litecoin, and Tron addresses from that phrase will be available in Anytime Capital. Your existing wallet app keeps working too, because both apps are reading the same keys.
The most important rule: the sender must use the same network you picked. USDT on Tron must be sent to your Tron address; USDT on Ethereum must go to your Ethereum address. If you are not sure which network the sender is using, ask them before sharing the address.
It depends on which mistake was made.
Blockchain transfers cannot be reversed, so always match the network and double-check the first and last characters of the address before you confirm. If something looks wrong, message support before sending anything else and we will help you check.
The transaction is signed on your device and sent to the network. Once it is sent, it cannot be cancelled or reversed, so check the address carefully.
It depends on the network:
If a transfer seems slow, the network is probably busy. Your wallet shows the transaction as pending until the network confirms it. Nothing is lost while it is pending.
Every blockchain charges a small fee to process a transfer. The fee goes to the network's validators or miners, not to Anytime Capital. It is paid in the network's own coin: ETH on Ethereum, TRX on Tron, SOL on Solana, BTC on Bitcoin.
Receiving crypto is free. Holding it is free. The only cost is the network fee when you send, and the wallet shows that fee before you confirm. For ETH and SOL sends from your Anytime Capital wallet, that fee is about a penny or less.
No. Once a transaction is sent to the blockchain it cannot be cancelled, reversed, or refunded by anyone, including Anytime Capital. This is true for every crypto wallet in the world.
Before you confirm a send, check three things: the address, the network, and the amount. If you paid someone by mistake, only that person can send the coins back.
Yes. The Swap page in your dashboard lets you exchange coins and tokens on Ethereum, Solana, and Tron, for example USDT to USDC or ETH to USDT. The swap is signed on your device, so you stay in control of your keys. Unlike a send, a swap does not need you to hold the network coin: we cover the network fee for swaps.
Yes. Sell crypto from your wallet and the dollars land in your Anytime Capital cash account, where you can spend them with your Mastercard® debit card, withdraw at an ATM, or send them by bank transfer. You can also go the other way and buy crypto straight into your wallet from your account.
No. Cryptocurrency is not FDIC insured anywhere. Only the US dollars in your Anytime Capital cash account are FDIC-insured, up to applicable limits, through our partner bank, Pathward N.A., Member FDIC.
Yes. There is no fee to open the wallet, no monthly fee, and no fee to receive or hold crypto. You only pay the blockchain's network fee when you send, and a small service fee only if you choose the "Cover the network fee" option instead of buying the network coin yourself.
Your keys are created on your device and encrypted there. Every transaction is signed on your device; your keys are never sent to our servers. Your account is protected with passkeys (Face ID, Touch ID, or your device PIN) and multi-factor authentication.
The biggest risk is not hacking, it is scams. Remember: Anytime Capital will never ask for your 12 words, and no real support team from any company ever will. If someone asks for them, it is a scam.
Paying from outside the United States with a card issued in your country.
Yes. Cards issued in any country work as long as they run on Visa, Mastercard, American Express, Discover, Diners Club, JCB, or UnionPay and are enabled for international online purchases. Orders are priced in US dollars; your bank converts the amount to your local currency at its own rate, and some banks add a small foreign-transaction fee. If you'd rather avoid card conversion, SEPA and SWIFT bank transfers are also available.
All of Korea's major card issuers work on Anytime Capital, for both credit and check (debit) cards:
These cards are issued on Visa, Mastercard, American Express, JCB, or UnionPay, so they are accepted here like any other card on those networks. If a payment is declined, open your card issuer's app and confirm that overseas (해외) online payments are switched on; that toggle is by far the most common reason a Korean card is refused.
Yes. Cards from Japan's leading issuers work here, including Rakuten Card, Mitsubishi UFJ NICOS, Sumitomo Mitsui (SMBC), JCB, AEON, Saison, and Orico, along with PayPay Card and other Visa or Mastercard debit cards. JCB-branded cards are accepted directly.
Yes. Visa, Mastercard, and American Express cards from any bank in the UK, EU, and EEA are accepted, including Barclays, HSBC, Lloyds, NatWest, Santander, Deutsche Bank, BNP Paribas, ING, and digital banks such as Revolut, Monzo, N26, Wise, and bunq. Cartes Bancaires cards from France work through their Visa or Mastercard co-badge. European customers can also pay by SEPA transfer or Revolut Pay for a lower fee.
Yes. Canadian cards from RBC, TD, Scotiabank, BMO, CIBC, Tangerine, and others are accepted on Visa, Mastercard, and American Express. Australian cards from CommBank, ANZ, Westpac, NAB, Macquarie, and Up work the same way; eftpos-only cards need a Visa or Mastercard co-badge, which nearly all Australian debit cards have.
Yes. Any Visa, Mastercard, American Express, Discover, Diners Club, JCB, or UnionPay card works regardless of the issuing country. That includes Nubank, Itaú, Bradesco, and Banco do Brasil in Brazil; BBVA, Banorte, and Santander in Mexico; DBS, OCBC, and UOB in Singapore; Maybank and CIMB in Malaysia; BDO and BPI in the Philippines; and UnionPay cards from China. Make sure international online purchases are enabled on the card.
Moving cash in and out of your Anytime Capital account.
You can deposit funds through direct deposit, mobile check deposit via our app, ACH transfers from external accounts, or cash deposits at over 90,000 retail locations nationwide including major retailers.
Yes! With direct deposit setup, you can receive your paycheck up to two days early at no additional cost. This is available on every Anytime Capital cash account and processes automatically once configured.
You can withdraw funds using your debit card at any of our 55,000+ fee-free ATM locations, transfer to external accounts via ACH, or visit our branch for over-the-counter withdrawals. Mobile app transfers are also available 24/7.
Daily ATM withdrawal limits are $500 by default but can be adjusted through our mobile app or by contacting customer service. ACH transfers have higher limits, and in-branch withdrawals can accommodate larger amounts with proper identification.
Fee-free ATM access and what out-of-network withdrawals cost.
You have access to over 55,000 fee-free ATMs nationwide through our network partners including MoneyPass and Allpoint locations. Use our mobile app's ATM locator to find the nearest fee-free ATM to your location.
Out-of-network ATM withdrawals incur a $1.99 fee. However, with over 55,000 fee-free locations available, you can easily avoid these charges by using our ATM locator feature in the mobile app.
Real people, ready to help. Pick whichever channel suits you.
Fastest way to reach us. Available in the app and right here on the site.
hello@anytime-capital.com. Most messages get a reply within one business day.
Email support(470) 748-2530. Call during business hours and we'll route you to the right team.
Call us2549 Piedmont Rd NE Suite 110, Atlanta, GA 30324. Mon–Fri 10–5, Sat 10–2.
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