How can you buy Monero (XMR) with a credit card 

Buy Monero using a credit card

What is Monero?

Monero is a blockchain-based cryptocurrency which has a key focus on privacy. The project keeps the network and user information private by obscuring all information of the transaction, the sender, and recipient. This means that all transactions are untraceable and that the project is 100% transparent.

How to create a Monero wallet

Sign up for a free Coindirect account and you will automatically get a free Monero online wallet. You can use your Monero wallet to buy, sell, store, send (withdraw) and receive (deposit) XMR.

How to create Monero address?

Once you have signed up for a free Coindirect account all you need to do press the ‘Receive’ button to reveal your Coindirect Monero wallet address.

How to buy Monero with a credit card

  1. Sign up for a free Coindirect account.Buy Monero XLM
  2. Find your Monero Wallet and click the  ‘Buy’ button in your Monero Wallet.Buy Monero XMR credit card
  3. Select “New VISA Card (EUR)” or “New credit card (NGN)” if you are in Nigeria.Buy Monero XMR credit card
  4. Enter EUR value of Monero you want to purchase (more than the minimum limit) or the Monero amount you want to buy and then click ‘Preview Buy’.Buy Monero XMR online
  5. You will receive a quote, press ‘confirm’ before the timer runs out (counts down from 55 seconds).Buy Monero XMR credit card
  6. Type in your credit card details and pay.Buy monero xlm
  7. You will be taken to a page to verify your transaction.Buy Monero XMR credit card
  8. Finally, you will be redirected back to your Coindirect Wallet once the payment is successful.

How do I purchase Monero from my bank account?

If you are in South Africa or in Europe in a SEPA country you can deposit ZAR and EUR into your Coindirect ZAR Wallet or Euro Wallet respectively.

To fund your account you have to transfer money using bank transfers. To get the funding instructions so that your account is credited:

  1. Go to your ZAR/EUR wallet and click the “Fund now” button. Alternatively, click the Fund tab in your Coindirect wallet and click on “Transfer Now”.
  2. Select the bank to transfer to from the drop-down menu to get payment details and the reference you should use (highlighted in blue).
  3. Transfer the money from your bank account into the account shown on the screen then wait for the bank transfer to be processed (0-3 business days depending on the bank).
  4. Once the funds reflect in your ZAR wallet, go to your Monero wallet and click “Buy” and select “Wallet (ZAR)” or “Wallet (EUR)” as you payment method.

How can I sell my Monero?

You can sell Monero from your Coindirect wallet by clicking the ‘Sell’ button in your Monero wallet.

If you are in a SEPA region or South Africa. You can sell your Monero and instantly get money transferred to your Wallet (ZAR or EUR).

If you are in another region with no local currency wallet. You can sell your Monero by creating a sell offer on the marketplace.

You now know how to buy Monero instantly from almost anywhere in the world. Make sure to download the Coindirect App to trade Monero from the palm of your hands.

Credit card limits

Please note that Coindirect has limits for credit card purchases in place.

Make sure that your account is verified so that your credit card purchase limits are increased.


Currently, the limits for credit card purchases are:

Unverified users – €175 – €500

Verified users – €890 – €1000

Earn Ripple

If you introduce your friends to trade and invest in cryptocurrency, be sure to send them a link to Coindirect through the Earn programme. When they sign up and make their first transaction, you will both receive 5 XRP for free.

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