: Use an authenticator app (like Google Authenticator) rather than SMS for significantly better security. 3. Fund Your Account

To buy Bitcoin (BTC) and Ethereum (ETH) in 2026, the most direct method for beginners is using a or a mainstream financial app . 1. Choose Your Platform Depending on your goals, you have three primary options:

PayPal / Venmo : Simple for quick, casual purchases, though often with higher "spreads" (markups).

"Not your keys, not your coins." While keeping crypto on an exchange is convenient, large holdings should be moved to a private wallet for safety.

: Provide instant access to funds but often carry high fees (typically 2.5% to 4% ). 4. Place Your Order

What is Cryptocurrency and How Does It Work? - Charles Schwab

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