Just a PSA to all, Coinbase IS your next best option to Circle (if you live in the usa). But keep in mind... 1. Coinbase does charge a 1.5-4% fee for putting money into your Coinbase wallet, so be sure to adjust the amount deposited to end up with the correct amount you need in your wallet to transfer. 2. Your limit for a credit/debit card transfer will be low for a while, I've seen $100-250 for a typical beginner account. It will increase over time, just like Circle's did. 3. Bank account transfers are taking up to 8 days right now, so don't expect an immediate transfer if you go that route. 4. If you add a bank account and a debit card, you will have an option of using a "USD wallet" in Coinbase. That's where Circle and Coinbase are wonderfully similar. If you have the means, you can transfer money into a USD wallet which holds your money there in USD, not BTC, so it won't fluctuate. Once you have money in your USD wallet, Coinbase acts essentially just like Circle. You can immediately transfer USD into BTC and then immediately transfer BTC to any recipient. 5. MOST IMPORTANT: Coinbase has a habit of randomly shutting down accounts if you transfer funds to certain other wallets. So I would suggest having a secondary wallet (like Blockchain) to transfer funds to before sending to the final recipient.