However, bank account purchases do have some major upsides. In this guide we will cover purchasing with a debit card or with a bank account. When you make a purchase with a bank account, the price you pay is locked in the moment you purchase, but you will not receive your cryptocurrency until business days have passed. Coinbase users in nearly any country can convert between cryptocurrencies, but cannot always convert local currency into crypto. Customers from over countries can trade crypto to crypto. CoinDesk is an independent operating subsidiary of Digital Currency Group, which invests in cryptocurrencies and blockchain startups.