How to Buy Crypto in Taiwan: 2026 Step-by-Step Guide

Want to buy cryptocurrency online and don't know where to start? This complete tutorial will teach you how to buy Bitcoin (BTC), Ethereum (ETH), etc., securely and legally in Taiwan. Learn all the steps at once, from choosing an exchange, opening an account, depositing to actually buying!

1. Why choose to buy cryptocurrency online?

Top 3 Benefits of Buying Online

Current situation in Taiwan in 2026

• HKMA has established a Virtual Asset Service Provider (VASP) registration system
• Currently only 9 legal platforms have registered
• Buy Taiwan Dollars directly and act like online banking
• Regular Fixed Rate (DCA) feature popularized for long-term investments

Second, 3 things to know before buying cryptocurrency online

1. Understand the risks

⚠️ Cryptocurrencies are high-risk investments

• Price volatility: 10-30% increase in one day is normal
• Possible loss principal: Only funds that can bear losses
• 24/7 Trading: No Increase-Decline Limits

Suggested:

• Don't borrow money to invest
• Don't invest the money you need in your life
• Start from a small amount (such as NT$1,000-5,000)

2. Choosing a Legitimate Platform

✅ Only exchanges registered with HKMA VASP are used

How to query a legitimate platform:

1. Go toMoney Laundering Prevention Information Network
2. Query the list of Virtual Asset Service Providers
3. Verify that the exchange is on the list

Currently 9 legal platforms (March 2026):

• HOYA BIT (HOYA DIGITAL TECHNOLOGY)
• ZONE Wallet (Advancing Digital Technology)
• Maicoin/Max (Modern Wealth Technology)
• BitoPro (Bitcoin Technology)
• XREX (CHAIN)
• TWEX (ENRICHMENT DIGITAL)
• Other 3

❌ Avoid:

• Unregistered Overseas Platforms
• P2P groups from unknown sources
• Community Recommended “High Reward” Platform

3. Prepare the file

Before buying, you need to prepare:

• ✅ Republic of China identity card
• ✅ Bank Account in Taiwan
• ✅ Mobile phone (for two-factor authentication)
• ✅ E-mail

3. the complete 6 steps to buy cryptocurrency online

Step 1: Choose an Exchange

Beginner Selection Criteria:

Recommended selection points:

• Bank trust cooperation (fiat currency segregated custody)
• PERIODIC FIXED RATE FUNCTION (SUITABLE FOR LONG-TERM INVESTMENTS)
• Reasonable transaction fees (usually 0.1-0.5%)

Step 2: Registration and Authentication (KYC)

Download ZONE Wallet from the app store. After opening the app, tap the Register button at the bottom of the initial interface to start creating a ZONE Wallet account.

Download ZONE Wallet ：

• hitslinksDownload ZONE Wallet.

Register Account：

• OPEN THE APP, GO TO THE LOGIN SCREEN AND TAP [REGISTER].
• Create an account password.
• You can choose whether to fill in the “Invitation Code”.

Email Verification:

• ZONE Wallet will send you a 6-digit verification code to the email address you used to sign up for.
• Check your mailbox inbox to find the verification code sent by ZONE Wallet, and return to the APP Enter the verification code to complete the account creation.
• If you do not receive the verification code, please click [Submit] under the [Submit] buttonDidn't receive the verification code?】Check out the relevant guide.
• After completing Email Verification, the account will reach Lv1.

How do I verify my identity and mobile phone?

After completing the account registration, you will be prompted to click [Go to KYC Authentication], and then have your ID card ready, tap Start Now.

Clicking will be redirected to the KYC authentication system interface. Follow the steps below to verify.

Authentication of identity, mobile phone number：

• Select your nationality.
• Enter your phone number and authenticate to make sure your phone receives text messages.
• Shoot the ID card on the front and back and upload it.
• Perform facial recognition verification.
• After submitting the basic information, the account application is submitted, and after the review is passed, the account will reach Lv2.

After completing the submission, visit APP > [Settings] > [Member Level] to see the current KYC authentication progress.

(Authentication processing time is 3-5 working days, ZONE Wallet will send an email notification after Lv2)

Note: KYC (Know Your Customer) is a standard procedure required by international regulators to prevent money laundering and fraud activities, ensuring the safety of user accounts and funds. ZONE Wallet protects users' funds and complies with relevant legal regulations through this certification process.

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How do I bind a bank account?

You can click [Go to Bind] after submitting your KYC ID, or follow the steps below to bind your bank account.

Bank Binding Process:

1. Open the APP, tap [Settings], select [Member Level].
2. Swipe down and tap [Start Binding Bank Account].
3. Fill in the relevant account information and click Submit.
4. After clicking “Confirm Submit” in the second confirmation interface, you can submit the bank account binding and wait for the review to complete.
5. After the review is passed, you will receive a ZONE Wallet notification email.

Reminder:

• Bindings can only be made using my own bank account.
• Bank name can be done by searching for the bank's bank code or Chinese nameQuick Find。
• If you can't find the bank you want to use in the Bank Name field, seeTeaching Articles。

The above isZONE Wallet Account Opening Guide: Download, Register, Bind Your Bank Account Easily stating

4. fixed amount (DCA) investment strategy

What is a Periodic Fixed Rate (DCA)?

Dollar-Cost Averaging

• Monthly/Weekly Fixed Investment Amount
• Buy at low prices
• Average Long Term Costs

Why is it suitable for beginners?

✅ Advantage:

1. When there is no need to choose (no need to guess at the top)
2. Average Cost (Buy Less at High, Buy More at Low)
3. Reduce emotional disturbance (automatic debit)
4. Suitable for working people (save time and effort)

Example:

Monthly Deposit: NT$5,000
Duration: 12 months
Total Intake: NT$60,000

Assume BTC price volatility:
- January: $70,000/BTC → Buy 0.071 BTC
- February: $60,000/BTC → Buy 0.083 BTC
- March: $80,000/BTC → Buy 0.063 BTC
...

Average Cost: Less than a single purchase

How do I set up a recurring fixed amount?

1. Choose “Fixed Rate” or “Smart Investment” in the app
2. Select Currency (BTC/ETH/USDT)
3. Setup amount (such as NT$3,000 per month)
4. Select debit date (e.g. 1st of each month)
5. Binding Bank Automatic Debit
6. Complete Setup

💡 Recommended configuration:

• CONSERVATIVE TYPE: 70% BTC+30% USDT
• Balanced type: 50% BTC + 30% ETH + 20% USDT
• Entry Type: 40% BTC+40% ETH+20% Others

5. FAQ Q&A

Q1: Is it safe to buy cryptocurrency online?

A: It is safe to choose a legitimate platform.

Safety measures:

• ✅ Using the HKMA VASP registration platform
• ✅ Separation of funds and platform assets
• ✅ Bank trust cooperation
• ✅ International security protection

Risk Source:

• ❌ Use of Illegal Platforms
• ❌ Account Password Breach
• ❌ Click on the fishing link

Q2: How much is the minimum required to get started?

A: Starting at a minimum of NT$10, NT$1,000-5,000 is recommended to start.

Q3: How long can it be sold after purchase?

A: It can be sold at any time.

• Trading in Crypto Markets 24/7
• No Increase-Decline Limits
• 1-3 working days after selling, you can withdraw NTD

Suggested:

• Short-term frequent buying and selling → high handling fees
• Long-term holding (more than 3 months) → More suitable for beginners

Q4: Do you need to pay tax?

A: Need, earn money to file taxes.

Taiwan Tax Regulations:

• Cryptocurrencies are seen as “property transactions”
• Profit requires the declaration of comprehensive income tax
• Tax rate by individual income level (5%-40%)

How to calculate:

Profit = Sell Price - Purchase Cost

Example:
Buy: NT$10,000 (Buy 0.01 BTC)
Sell: NT$15,000 (Sell 0.01 BTC)
Profit: NT$5,000 → Required

Suggested:

• Record the time and amount of each transaction
• Tracking with Excel or App
• Filed at the time of tax filing in May each year

Q5: What if the platform is closed?

A: Legitimate platforms have safeguards.

Safeguards:

1. Fund Trusts
   • Separation of French currency and platform assets
   • Stored in a Co-op Bank Trust Account
2. Cryptocurrency Segregation
   • Cold & Hot Wallet Separation
   • Multi-Signature Mechanism
3. underwrite
   • Some platforms have asset insurance

But there are still risks:

• Recommended Distributed Platforms
• Large assets transfer to hardware wallets for self-storage

Q6: What to do if I was scammed?

A: Call the alarm immediately, contact 165.

Common Fraud Practices:

1. Fake Exchange App
   • Spoofing Famous Platforms
   • Cannot be withdrawn after deposit
2. Fake Customer Service
   • Proactive Contact Request Confidentiality
   • Request Transfer Verification
3. Investment group fraud
   • Promised high returns
   • Request to join an unknown platform

Preventive methods:

• ✅ Download apps only from official channels
• ✅ Do not click on unknown links
• ✅ Do not share passwords, seed phrases
• ✅ The official does not actively ask for a password

Scam Encountered:

1. Alarm Now (Call 110)
2. Call 165 Anti-Fraud Hotline
3. Retention of all evidence (screenshots, conversation records)
4. Notification of bank account freeze

6. Risk Reminders and Precautions

⚠️ Investment Risk

1. Risk of Price Volatility

• Cryptocurrency Price Fluctuations
• Possible short-term loss 30-50%
• Invest only funds that can bear losses

2. Technical Risks

• Lost Private Key → Permanently Unrecoverable
• Hacker attack
• Platform technical failure

3. Regulatory Risks

• Policy may change
• Platform may be required to shut down

⚠️ Operation Precautions

Absolutely do not:

• ❌ Borrowing money to invest
• ❌ Use the necessary funds for life
• ❌ Believe in “Guaranteed Profit”
• ❌ SHARE PRIVATE KEYS OR AUXILIARY WORDS
• ❌ Trade using public Wi-Fi

Be sure to do:

• ✅ Use a legitimate platform
• ✅ Turn on two-factor authentication
• ✅ Regularly back up your wallet
• ✅ Record transaction history
• ✅ Disperse investment risk

7. Recommended newbie exchange: ZONE Wallet

If you are completely new and do not know which platform to choose, we recommend ZONE Wallet Preferred as a starter.

Why recommend ZONE Wallet?

✅ 1. Legal Compliance

• Passed the HKMA VASP registration review
• Comply with anti-money laundering regulations
• Safe and secure funds

✅ 2. Super newbie friendly

• Minimalist interface design, like using internet banking
• Intuitive operation, zero learning curve
• Live Chinese customer service, quick problem solving

✅ 3. Buy Taiwan Dollar Direct

• Supports multiple banks in Taiwan
• Instant/Express Checkout
• No need to exchange, directly with NTD

✅ 4. Start with a low threshold

• Start with as little as NT$10
• Suitable for small scale testing
• No hidden fees

✅ 5. Smart Periodic Quota

• Set up auto investment in one click
• System Recommended Robust Combination
• Perfect for DCA Strategy

✅ 6. Premium security protection

• Trust in cooperation with Far East Merchants Bank
• Separated custody of fiat currency assets
• Fireblocks Asset Management
• Sumsub International KYC

ZONE Wallet Supported Coins

• BTC (Bitcoin): Digital gold, maximum market capitalization
• ETH (Ether): Smart Contract Platform
• USDT (TEDA): stablecoin, 1:1 anchored USD

Fees Description

• Deposit Fee: The platform does not charge processing fees (based on bank transfer fees)
• Withdrawal Fee: Bank fee fixed at 30 yuan, about 1-2 business days.
• Trading Spreads: Around 1% (slightly higher than IFIs, but gains in convenience)
• Security of funds: Bank trust, complying with the Financial Conduct Authority's Anti-Money Laundering Regulations

ZONE Wallet also features transaction transparency and compliance monitoring, so beginners don't have to worry about money security at the beginning of their investment.

8. Summary: Start your cryptocurrency journey

Buying cryptocurrency online in 2026 is already very simple:

3 Key Steps:

1. ✅ Choose a legitimate platform (such as ZONE Wallet)
2. ✅ Complete KYC and deposit
3. ✅ Purchase and secure storage

Beginner Suggestions:

• Starting from a small amount (NT$1,000-5,000)
• Use a recurring fixed amount (DCA) strategy
• Hold for a long time, don't trade frequently
• Be good at risk management

Remember:

• Only invest money that you can afford to lose
• Don't borrow money to invest
• Don't believe in guaranteed profits
• Continuous learning, rational investment

Ready to get started?

👉 Download ZONE Wallet Now
Start your first cryptocurrency investment!

[download-app]

Risk Warning Statement: Virtual asset trading has high price volatility and risk, and you should carefully assess your financial condition and risk tolerance before investing. This article is for reference only and does not constitute any investment advice. ZONE Wallet is a legally registered virtual asset service provider, but platform services do not guarantee return on investment. Investors should be aware of the risks involved.

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