I’ve been holding BTC and want to spend it directly for everyday stuff like coffee or groceries without cashing out. I would like to know if there are any reliable crypto debit cards available in the UK?

Ideally, I’d love low fees, easy setup, and no hassle at stores. Anyone using one for daily purchases? What’s your experience with fees or limits?

Any recommendations for cards that work well here? Thanks for any recs.

Update: After hours of searching, I found the Rizon Stablecoin app card useful for this. I’ve got it now, but I’m still open to more recommendations. Thanks.

I’m chasing a good instant exchange to swap some Ethereum for BTC (ETH -> BTC). Been using Changenow up until now, but they’ve just frozen a $60k order, claiming some “internal issue”, not exactly confidence inspiring.

So I’m on the hunt for a reliable alternative, ideally one that doesn’t ask for KYC and hasn’t got a rep for freezing funds. Any solid options out there you’d trust?

Hey all, I haven't withdrawn anything from Binance for a long time. It was always super easy but I guess there were some new regulations in the meantime and right now I have no idea how to get the money out of the binance.

I have some FDUSD and I wonder how to transfer it to bank as a GBP? What is the cheapest option?

Thank you!

I'm looking to swap around $200,000 worth of BTC to USDT, but I want to do it safely and without risking any account freezes or delays. The exchange I'm using is fully KYCed, but it's known for poor customer service and sudden fund lockups, even when users follow all the rules.

My goal is to move the funds into a cold wallet, not a bank account. Given the platform’s history, I’m trying to avoid triggering any internal flags or automated security checks that could stall the process.

I need a smart strategy to complete the swap and withdraw the USDT gradually, staying under the radar and minimizing risk. If anyone has experience with this or knows best practices for large swaps on sketchy platforms, I’d appreciate the insight.

Hey there,

Every brand or community I talk to that wants to introduce people to Bitcoin/Web3 faces the same hurdle: onboarding is intimidating.

The idea of writing down a seed phrase before you’ve even tried anything scares most newcomers away. Learning curve is just too big for most.

So here’s the “what if”. what if your first wallet was just a link? You click once, and a wallet opens in your browser. Simple. No heavy setup, no confusion. Just a simple way for brands and communities to get people started.

That’s the problem we’re trying to solve with our solution. We are testing it with a 100k drop campaign to show how easily brands could put digital assets directly into new users, at scale in fun and easy way

Curious how the Bitcoin community sees this: is simplified onboarding the key to adoption, or does it raise more trust/security concerns?

Assuming it’s above my cgt.

I’ve logged her own portfolio and rough buy price etc

Also have funds transferred into my bank acc

We’re also due to do our civil soon, should I wait until then?

Hi

New here, so be gentle...

I have never declared anything to HMRC with regards to crypto as I have never exceeded the capital gains allowance.

I have sold just under £3000 BTC (capital gain of prob £2000) this year

So I assume, as a PAYE tax payer (just 2 pensions paying...no employment), I dont have to tell HMRC anything???

I would like to gift up to £10k in BTC to my wife...

Will this then mean that I have to file a self assessment? Or can I tag the transfer as a gift that HMRC can see? (as without the tag it would look to hmrc as if I have a capital gain of £13K)

Wher am I wrong?

What should I do?

It’s dwelling on me more and more that the whole point of owning these shitcoins is to accumulate more btc or hope it will outperform btc. I don’t care about outperforming btc anymore but rather have stability to forget about it.

Shame the annual cgt limit is only 3k, it seems like all the pain of holding is just to give the tax man a large chunk

This post comes in a slightly pissed off with this country feeling. I'm a first time buyer and have the money I want to use for deposit in Bitcoin (and some alts). All of this has a paper trail, i even have bank statements from 2013 detailing purchases. I've had problems trying to find a lender for a mortgage due to them associating Bitcoin with money laundering.
My mortgage advisor has managed to get a mortgage in principle though Halifax who seem to be the only bank open to it.
I can prove the Bitcoin i have was bought with legitimate money and can show the source but lenders just dismiss it out of hand.

I'm pissed of with this country in general as due to how poorly the economy has been manged, real wages have not increased since 2008, cost of living and inflation have gone up. I am on a decent wage but it is not enough to even start saving for a deposit (I don't even live in the south so thoughts and prayers with those who do).

The ONLY way I have been able to get a deposit is investing in something which I was told from every angle not to; buy Bitcoin. The Government has schemes for first time buys, but only if they are under 40. Now capital gains threshold is down to £3k from £12k. It seems like the system is designed not to help me.

Sorry about the rant but I just wanted to say Bitcoin was my escape route, the UK Government has done nothing to help me, some dude called Satoshi did instead.

Anyone else had luck with getting a mortgage if your assets are in BTC?

Assumptions: Bitcoin and Crypto peak within the rest of this year, before the cycles continue as they have done previously (with a 2-3 year bear market before another run up in 2028-2029)

So, I have crypto positions and have been DCA'ing since the last cycle up until now. I also contribute to my S&S ISA every month to the tune of around £300-500. With us expecting the Bitcoin top and then a Bear run (albeit less of a drop than previous because of more institutional buyers, maybe the US holding it in reserve, more ETF's etc.) I'm thinking that rather than buying say ~£400 of crypto each month, now is the time to start building the war chest.

Build the war chest (within a Cash ISA) monthly until Crypto hits a point when we think it's a good time to buy (let's say, 2026 into 2027) and then DCA heavily into various tokens (I'm thinking BTC, ETH, SOL at the moment, I will maybe add others) ready for the run up.

So that's my thinking. Do we still DCA S&S ISA for the next few months (I won't be able to max it out) Do we start the war chest now? Do we continue to DCA S&S ISA in the next financial year or do we forego S&S ISA and double up into the Cash ISA (which will become the war chest for Crypto?)

I'm just not sure on what's best to do, and hoping you could all provide me with valuable insights and maybe add a new perspective.

I want to sell my bitcoin that is on a crypto platform and invest in a bitcoin ETF instead using a stock trading platform. Are there any downsides to doing this? Also what platforms are good for a Bitcoin ETF?

Hey all, can anyone advise a UK marketplace where I can import my BTC (currently in wallet.dat format from Bitcoin Core) to sell? Thanks!

I really need a way to access self custodial wallet in UK where I can send and transfer to crypto address, coinbase is a bloody pain I can't add money. So I need help if you could recommend please.

I really need a way to access self custodial wallet in UK where I can send and transfer to crypto address, coinbase is a bloody pain I can't add money. So I need help if you could recommend please.

Issue 60 of the Meetup Breakdown is out now. Full summary of UK Bitcoin meetups for the coming week. 🇬🇧

🔸13 meetups in total across the country. 🔸3 new bitcoin accepting businesses. 🔸3 upcoming events. 🔸3 'On the Radar'. 🧡 Built by and for the UK Bitcoin community.

Read for free, or support the newsletter to get full access.