2026年如何购买比特币 — 分步指南

1 选择交易所

You need a cryptocurrency exchange — a platform where you can buy, sell, and hold Bitcoin. The two best options for beginners in 2026 are:

• Binance — lowest fees, largest exchange, most trading pairs. Use 邀请码 MGBABA for 20% off all fees
• OKX — great for P2P trading with local currency. Use invitation code BUYSTOCK for 20% off all fees

We recommend Binance for most beginners because of its lower fees and larger selection. If you need to buy crypto with local payment methods (bank transfer, mobile money), OKX's P2P marketplace may be a better fit.

2 创建你的账户

Sign up using one of the links below. The 邀请码 is pre-filled so you automatically get the 20% 手续费折扣.

Enter your email, set a password, and verify your email address. Then complete identity verification (KYC) — upload a photo of your ID and take a selfie. This is required by law on all regulated exchanges.

3 充值

You have three main options to fund your account:

• Bank transfer — cheapest option, usually free or under $1
• P2P trading — buy USDT directly from other users with local payment methods (zero exchange fee)
• Credit/debit card — fastest but most expensive (1.8% fee on Binance)

We recommend bank transfer or P2P for the lowest cost. Avoid card payments if possible — the 1.8% fee on a $1,000 purchase is $18 in unnecessary costs.

4 购买比特币

Once your funds are deposited, navigate to the trading page. Search for BTC/USDT (if you deposited USDT) or BTC/USD. Place a market order to buy Bitcoin at the current price, or a limit order to set your own price.

With code MGBABA on Binance, your 交易手续费 is just 0.08% (or 0.06% with BNB payment enabled). On a $500 purchase, that is $0.40 in fees — less than a cup of coffee.

5 保护你的比特币

For small amounts (under $1,000), keeping Bitcoin on the exchange is fine. For larger amounts, consider transferring to a hardware wallet like Ledger or Trezor for maximum security. Enable two-factor authentication (2FA) on your exchange account regardless of the amount.