Learn more about our review process. Also, you confirm that you agree to BitPanda’s exchange rate. If the limits aren’t high enough for me, can I buy bitcoins on multiple exchanges? While the exchange offers great real-time transactions, it does charge higher fees than some others on this list at 5. Will the fees for buying bitcoins with debit card or credit card ever get lower? The difference is that online money is fiat money denoted by online codes such as numbers, etc. If you don’t have a wallet yet, learn how to get a Bitcoin wallet now.