Get a wallet, buy a little bitcoin and pay with it at places that accept it. Every option is checked against the company’s own pages, with the date we checked.
How will you use it?
Where do you live?
Where are you starting from?
Step 1
Get a wallet
A wallet is the app that holds your bitcoin and pays with it. 13 wallets for paying in shops in the United States.
In each group: quickest setup first, then A to Z. No one pays to be listed or for their place.
Self-custody wallets
You hold the keys, so only you can move the bitcoin. You keep the backup safe yourself.
Blink
An everyday Lightning wallet born in El Salvador's Bitcoin Beach, with self-custody and custodial modes, suited to spending and merchant payments.
Who holds it
You hold the keys
Pays with
Lightning and on-chain
Works on
iPhone and Android
Setup
Minutes · ID check depends on how much you use it
Backup
12 recovery words for Non-Custodial Mode, with optional save to Google Drive, iCloud or a password manager; custodial accounts sign in by phone or email
Fees
No service fee on Lightning
Details and sources
Who holds it
Offers both modes. Non-Custodial Mode (on the Spark protocol, since June 2026) gives you a 12-word recovery phrase. Custodial Mode, where Blink holds funds, is still offered in some countries but is not available to U.S. residents and is winding down in some other jurisdictions. A 19 September 2026 attack drained 24 custodial accounts; Blink says every affected customer was made whole and non-custodial accounts were not affected.
Setting up
Download the app and choose Non-Custodial when setting up, then back up the recovery phrase. A custodial account needs only a phone number that can receive SMS or WhatsApp messages; an optional level 2 upgrade (name, government ID, selfie) raises custodial limits. Blink's terms say it may request ID and a liveness photo at account creation.
All fees as published
No Blink service fee for Lightning or Blink-to-Blink payments (Lightning routing fees apply). On-chain deposits and withdrawals: a fixed fee that varies by amount plus mining fees. Transfers between the Bitcoin and Dollar balances include a spread. Current amounts are shown in the app. A monthly inactivity fee can apply to custodial balances after 12 months without activity.
Buy inside the wallet
No
Countries
No services in Belarus, China, Cuba, Iran, North Korea, Russia, Syria and sanctioned regions including Crimea. U.S. residents and U.S. Persons (including Puerto Rico and other U.S. territories) get Non-Custodial Mode only, with no Custodial Mode or API. Some features, such as the Dollar Balance, vary by country.
Blockstream app (formerly Green) for phone and desktop with Lightning in beta, plus the optional Jade hardware wallet for saving.
Who holds it
You hold the keys
Pays with
Lightning and on-chain
Works on
iPhone and Android, desktop, hardware device
Setup
Minutes · ID check depends on how much you use it
Backup
12 or 24 recovery words. With Jade, the Jade recovery phrase also restores the Lightning account.
Fees
Jade from $99
Details and sources
Who holds it
The app is a self-custody wallet. Jade is an optional bitcoin-only hardware wallet that works with the app.
Setting up
Download the app and open a wallet in seconds, adding the recovery phrase backup when you are ready. No account needed. Lightning is in beta and is switched on per wallet. Buying sends you to a third-party exchange to complete payment. Jade can be added for cold storage.
All fees as published
Jade prices on blockstream.com: Jade Plus $169.99, Jade Core $99.00. Lightning: the first inbound payment may include a one-time funding fee.
Buy inside the wallet
Yes
Countries
No country limits found for the app. Buying goes through third-party exchanges, and Blockstream does not list which countries they cover.
Open source self-custody phone wallet for bitcoin, Lightning and Liquid, with an optional link to the Bull Bitcoin exchange for buying.
Who holds it
You hold the keys
Pays with
Lightning and on-chain
Works on
iPhone and Android
Setup
Minutes · ID check depends on how much you use it
Backup
12 recovery words, or Recoverbull encrypted cloud backup
Fees
Network and swap fees
Details and sources
Who holds it
Keys stay on your phone. It holds a Secure Bitcoin Wallet (on-chain) and an Instant Payments Wallet (Liquid). Lightning payments work through non-custodial swaps, so no channels to manage.
Setting up
No account, email or phone needed for the wallet. Linking a Bull Bitcoin exchange account to buy or sell is optional. Lightning transfers run from 1,000 sats to 0.25 BTC each.
All fees as published
Wallet: bitcoin network fees, plus swap fees when moving between Lightning, Liquid and bitcoin (amount not published). Bull Bitcoin exchange: no processing fee to buy from your account balance or for Lightning, Liquid or on-chain payouts. Price includes a quoted buy/sell spread.
Buy inside the wallet
Yes
Nostr Wallet Connect
Not supported. No Nostr Wallet Connect support found on Bull Bitcoin's site or in the app's open source code.
Countries
The wallet is available worldwide with no account. Buying in the app needs a Bull Bitcoin exchange account, offered in Canada, Europe, Mexico, Costa Rica, Argentina and Colombia.
Self-custodial bitcoin app by Breez with passkey login and a Lightning address. Suits newcomers who want simple payments without seed words.
Who holds it
You hold the keys
Pays with
Lightning and on-chain
Works on
iPhone and Android, web
Setup
Minutes · ID check depends on how much you use it
Backup
Passkey synced through iCloud or Google, no recovery phrase needed.
Details and sources
Setting up
Create a wallet with face or fingerprint (passkey). Also runs as a web app at glow-app.co. No KYC for the wallet; buying via Cash App or MoonPay follows those providers' rules.
Buy inside the wallet
Yes
Countries
No country limits found for the wallet. In-app on-ramps (Cash App, MoonPay) are third parties with their own availability.
Self-custodial bitcoin and Lightning wallet for phones with one balance for both. Suits people wanting simple payments and their own keys.
Who holds it
You hold the keys
Pays with
Lightning and on-chain
Works on
iPhone and Android
Setup
Minutes · No ID check
Backup
Emergency Kit with private keys and output descriptors, plus a Cold Recovery Code on paper or email, password and recovery code. No recovery words.
Fees
Network fees, Lightning from 1 sat
Details and sources
Who holds it
2-of-2 multisig: the phone holds one key, Muun the other, and the Emergency Kit holds both.
Setting up
Install from the App Store or Google Play. Set up recovery with either a paper Cold Recovery Code or email, password and recovery code, and export the Emergency Kit.
All fees as published
Lightning fees 'as low as 1 satoshi'. On-chain fees set by Muun's mempool-based fee estimator.
Self-custodial Lightning wallet for phones by ACINQ that manages channels for you. Suits people who want their own keys and fast payments.
Who holds it
You hold the keys
Pays with
Lightning and on-chain
Works on
iPhone and Android
Setup
Minutes · No ID check
Backup
12 recovery words (seed). On iOS, payment history is restored from iCloud unless disabled.
Fees
0.4% + 4 sat per Lightning send
Details and sources
Who holds it
ACINQ calls Phoenix trust-minimized, not trustless: a new channel opened by an incoming Lightning payment needs trust until its funding transaction confirms.
Setting up
Install from the App Store or Google Play (or the APK on GitHub), create a wallet and back up the 12-word seed. Needs iOS 16+ or Android 8+. The first incoming payment pays a one-time channel fee.
No country list published. Terms say the service is only for eligible countries and exclude sanctioned countries and any jurisdiction ACINQ chooses to restrict. The U.S. App Store listing is live.
Nostr social app with a built-in self-custody bitcoin wallet for small everyday Lightning and on-chain payments and tips.
Who holds it
You hold the keys
Pays with
Lightning and on-chain
Works on
iPhone and Android
Setup
Minutes · No ID check
Backup
Recovery phrase (write the words down)
Details and sources
Who holds it
Since version 3.0 (March 2026) the built-in wallet is non-custodial: Primal says it has no access to your funds and you hold the recovery phrase. It runs on the Spark network. Primal calls it a transactional wallet for small amounts. You can also connect an outside wallet over NWC instead.
Setting up
Install Primal, create a Nostr account, open the wallet tab and back up the recovery phrase. No ID needed. Users 18+ per Primal's terms. Existing Primal wallets can be restored with a 12 to 24 word phrase.
Buy inside the wallet
Yes
Nostr Wallet Connect
Supported. Two ways: connect the Primal wallet to other Nostr apps over NWC, with a daily budget per app that you can revoke, or connect an outside Lightning wallet to Primal by pasting or scanning its NWC string.
Countries
No country limits found for the new non-custodial wallet. It is not U.S.-only.
A very simple Lightning phone wallet for everyday spending, now self-custody by default, suited to beginners paying in shops.
Who holds it
You hold the keys
Pays with
Lightning and on-chain
Works on
iPhone and Android
Setup
Minutes · No ID check
Backup
12 recovery words (self-custody, Spark recovery standard, not importable into ordinary Bitcoin wallets); email login for the older custodial wallet
Fees
Lightning free from WoS; on-chain 1.95%
Details and sources
Who holds it
Offers two modes. Self-custody (powered by Spark, a Layer 2 by Lightspark) is available globally: you hold a 12-word recovery phrase. A custodial mode is offered only in select regions, and in regions with both you can switch in settings. Older custodial accounts can move funds to a new self-custody wallet in the app.
Setting up
Download the iPhone or Android app. A self-custody wallet starts with a 12-word recovery phrase to write down. The site says you can be sending sats within a minute. No identity check is mentioned for the wallet itself; buying through the MoonPay partner is handled by MoonPay.
All fees as published
No WoS fee to receive Lightning payments; sending Lightning may include network routing fees. 1.95% on Bitcoin (on-chain) top-ups. On-chain sends: 1.95% plus a fixed processing fee (custodial) or plus the miner fee (self-custody). Spark may add its own fees in self-custody.
Buy inside the wallet
Yes
Countries
The Disclosure Document says self-custody is available globally and custodial service only in select regions. Access is prohibited in restricted (for example sanctioned) jurisdictions. The app is listed on the U.S. App Store. When launching self-custody in 2025, WoS said it opens a path to serve U.S. users again.
Self-custodial Lightning wallet and node manager for phones. Runs a Lightning node in the app or connects to your own. Suits hands-on users.
Who holds it
You hold the keys
Pays with
Lightning and on-chain
Works on
iPhone and Android
Setup
Minutes · No ID check
Backup
24 recovery words (aezeed) for Embedded LND or 12 words (BIP-39) for LDK Node, plus encrypted channel backups uploaded automatically.
Fees
No app fee; channel opens from 10,000 sats
Details and sources
Who holds it
Can also connect to lndhub accounts (LNbits, Alby and others) or Cashu ecash mints, where a third party holds the funds.
Setting up
Choose the embedded node (Embedded LND or LDK Node) on the phone, or connect a remote LND, Core Lightning, lndhub or NWC wallet. The built-in LSP (Olympus) opens a channel on first receive for a fee. Connecting your own node takes longer.
All fees as published
No processing fees. Olympus LSP just-in-time channel: 10,000 sats up to 1m sats, 1% from 1m to 5m sats, higher when on-chain fees are high. Wrapped invoices without a channel open: 2 sats. ZEUS Pay: zero. Swaps: service fee plus network fee, shown before confirming.
Buy inside the wallet
No
Nostr Wallet Connect
Supported. Two modes. NWC service: ZEUS acts as the wallet; create connections under Menu > Tools > Nostr Wallet Connect service, each with permissions and optional spending limits. NWC client: add a remote NWC wallet such as Alby Hub as ZEUS's Lightning backend.
Self-custody Lightning wallet you run in the cloud, on a home server or desktop, with the Alby Go phone app for paying on the go.
Who holds it
You hold the keys
Pays with
Lightning and on-chain
Works on
iPhone and Android, desktop, web
Setup
A few hours · ID check depends on how much you use it
Backup
12 recovery words, plus a channel backup (stored automatically in your Alby account if linked, or by hand if self-hosted without one)
Fees
Free, 0% added, Pro $3.9/month
Details and sources
Who holds it
Alby Hub is your own Lightning node and on-chain wallet: only you hold the keys. Alby Go is a phone app with no funds of its own. It connects to Alby Hub (or another NWC wallet) and spends from it. Alby closed its old shared custodial wallet on January 4, 2025.
Setting up
Create a free Alby account (recommended, not required), launch Alby Hub on a cloud provider (1-click deploys for Fly.io, Render, DigitalOcean and others), a home server like Umbrel or Start9, or a Windows, macOS or Linux desktop. Open a first Lightning channel, back up the 12 words, then install Alby Go and connect it to the Hub. No ID for the wallet. Buying by card or bank transfer goes through Mt Pelerin.
All fees as published
Alby Hub is free and adds 0% to transactions; you pay only network fees. Opening a Lightning channel and cloud hosting carry their own costs. Optional Alby Pro is $3.9 a month (20% less yearly) for a custom address, unlimited sub-wallets and encrypted remote backups.
Buy inside the wallet
Yes
Nostr Wallet Connect
Supported. Alby Hub is a Nostr Wallet Connect wallet service: you create a connection per app with its own permissions and daily, weekly, monthly or yearly budget. Your Alby account also links to the Hub over NWC. Alby Go connects to Alby Hub or any other NWC wallet.
Countries
No country limits found for Alby Hub or Alby Go. Buying through the Mt Pelerin widget depends on Mt Pelerin's own rules.
The company holds the bitcoin for you, like a bank account. Quick to start; you trust them to keep it safe.
Cash App
A U.S. money app from Block where you can buy bitcoin from $1 and pay over Lightning, suited to people already using Cash App.
Who holds it
The company holds it for you
Pays with
Lightning and on-chain
Works on
iPhone and Android
Setup
Minutes · ID check
Backup
None needed (custodial). Cash App holds the bitcoin and you reach it through your Cash App account.
Fees
0% to 2% per buy; Lightning free
Details and sources
Who holds it
Cash App holds your bitcoin 1:1 in full reserve, mostly in cold storage. You can withdraw to your own self-custody wallet at any time.
Setting up
Create a Cash App account, then go to the Money tab and tap Bitcoin. Buying bitcoin requires identity verification: legal name, date of birth and last 4 digits of SSN or ITIN, and sometimes full SSN/ITIN, address, photo ID or proof of income.
All fees as published
Auto buys (Auto Invest, Paid in Bitcoin, Round Ups): 0% fee and no spread. Market buy or sell: 2.0% for $1 to $499, 1.5% for $500 to $999, 0.9% for $1,000 to $1,999, 0% for $2,000 and over, plus a spread of 0% to 0.75% (no spread on auto buys or buys over $2,000). No fees on Lightning payments. Standard-speed bitcoin withdrawals are free (minimum 100,000 sats).
Buy inside the wallet
Yes
Countries
Bitcoin services require being a U.S. resident aged 18 or older and using them in the United States. Lightning send and receive is not available to New York customers. Bitcoin services are not licensable activity in all U.S. states and territories.
Open source Cashu ecash and Lightning phone wallet for small, fast, private payments, tips on Nostr and NFC tap-to-pay.
Who holds it
The company holds it for you
Pays with
Lightning and on-chain
Works on
iPhone and Android
Setup
Minutes · No ID check
Backup
12 recovery words (restore ecash through the mint's recovery service), plus an optional exported wallet backup file
Fees
No Minibits fee, network fees at cost
Details and sources
Who holds it
Ecash model. The app is non-custodial software: tokens and keys stay on your phone. But the bitcoin behind your ecash is held by the mint that issued it (the Minibits mint or another mint you pick), so you trust that mint to redeem it. Minibits says to use it only with small amounts.
Setting up
Install from Google Play, the App Store, Zapstore or FreedomStore. You get a free minibits.cash Lightning address with no sign-up or KYC. Back up the 12 words. Fund it with a Lightning payment, or on-chain through the mint.
All fees as published
Minibits charges no fee for the wallet, Lightning address or its mint. Lightning routing and on-chain network fees are passed through at cost, and unused fee reserve is returned. Other mints may set their own fees.
Buy inside the wallet
No
Nostr Wallet Connect
Supported. Built-in Nostr Wallet Connect lets other apps, such as Nostr clients, start payments (zaps) from your Minibits wallet.
Countries
No country list. Terms require age 18+ and say the services must not be used where bitcoin or ecash is prohibited. The operator may restrict access in some jurisdictions.
A bitcoin app to buy, hold and send bitcoin over Lightning or on-chain, suited to people who want buying and paying in one account.
Who holds it
The company holds it for you
Pays with
Lightning and on-chain
Works on
iPhone and Android, web
Setup
Minutes · ID check
Backup
Account login with email and phone, plus optional PIN, biometrics and two-factor authentication; no recovery words (custodial)
Fees
0.89% to 0.25% per trade plus spread
Details and sources
Who holds it
Strike holds your bitcoin in full reserve in multi-signature cold storage. You can withdraw to your own wallet at any time, including automatic withdrawals.
Setting up
Sign up on the mobile or web app if you are 18 or older in a supported country: email, username, country, phone number, then identity verification in the mobile app (name, date of birth, address, government photo ID, tax ID, live selfie). Approval usually takes seconds or minutes.
All fees as published
U.S. help center: recurring purchases are fee-free after the first week. Other trades use a monthly volume tier from 0.89% (under $5,000) down to 0.25% ($15M and over), plus a spread that targets 0.22%. No fee to receive bitcoin kept as bitcoin. Sending from the bitcoin balance: only network fees; Lightning network fees are passed through. On-chain sends offer Priority, Standard, or Flexible (about 24 hours, zero on-chain fee). Sending bitcoin from the cash balance has a 1% spread.
Buy inside the wallet
Yes
Countries
Available to individuals and businesses in 98 countries, including all 50 U.S. states, D.C. and Puerto Rico, the UK, most of the EU, much of Latin America, and parts of Asia-Pacific and Africa. Some features vary by region.
Start small. Every service here lets you send what you buy to your own wallet. 11 services in the United States.
Bitcoin-only services first, then apps before person-to-person markets, then quickest setup, then A to Z. Some wallets above also let you buy inside the app.
AztecoBitcoin only
Bitcoin vouchers sold by online and local retailers. Redeem the code to send bitcoin to your own wallet, no account needed.
Pay with
Card, cash
Fees
Not published
ID
No ID check
Send to your wallet
On-chain or Lightning
Automatic buys
No
Details and sources
Setting up
No Azteco account or identity check. Buy a voucher from a retailer and redeem it to any bitcoin wallet. The retailer may have its own checks.
Sending to your wallet
On-chain vouchers: enter the 16-character code and your wallet address at azte.co/redeem. Lightning vouchers: scan the QR code with a wallet app. The redeem screen shows commission, payment fee and network fee, amounts not published. Vouchers start at $10.
Countries
Azteco says vouchers are sold in over 190 countries through approved online retailers (for example G2A, Kinguin, Eneba, Razer, Dundle sites across Europe) and local stores in some countries. No U.S. state list is published.
Canadian bitcoin-only platform and ATM network that sends bitcoin to your own wallet. Also serves most U.S. states by bank transfer.
Pay with
Bank transfer, cash
Fees
1.5% spread (Canada, verified)
ID
ID check depends on how much you use it
Send to your wallet
On-chain or Lightning
Automatic buys
Yes
Details and sources
Setting up
Email, bitcoin address, phone, occupation and government ID. Automated check takes a couple of minutes, up to 3 business days if more documents are needed. Canadian Lite account needs only email (cash vouchers, up to $4,950 per day).
All fees as published
Canada online portal: 1.5% buy spread for verified accounts, 4.0% spread for Lite accounts. No withdrawal or account fees. ATM and OTC rates differ and are not listed.
Sending to your wallet
No withdrawal fees on the Canadian portal. Network fee choice: lower, higher, or batched. Lightning confirmed for Canada. U.S. minimum example: $2.10 USD.
Countries
Canada and the United States. A 2023 Bitcoin Well post lists states where it cannot operate: Alabama, Alaska, Florida, Hawaii, Louisiana, Nevada, New Mexico, New York, Puerto Rico, Vermont, Washington.
U.S. bitcoin app with a debit card: buy bitcoin once or on a schedule from your Fold balance, then withdraw to your own wallet.
Pay with
Bank transfer, card
Fees
1% plus spread
ID
ID check
Send to your wallet
On-chain
Automatic buys
Yes
Details and sources
Setting up
App only (iOS and Android). 18 or older, U.S. citizen or permanent resident, valid SSN, identity verification. Fund the Fold account before buying.
All fees as published
Non-Reserve users: 1% fee plus Fold spread plus partner spread (about 0.10%) on bitcoin buys. Reserve users: no fee, partner spread only. Non-Reserve users pay the Bitcoin network fee on on-chain withdrawals; Reserve users pay no withdrawal fee. Instant debit card funding has a 1.5% fee; ACH and direct deposit funding are free.
Sending to your wallet
No minimum or maximum withdrawal limit; available balance must exceed the network fee. Recently bought bitcoin can take up to 7 days to unlock for sending.
Countries
U.S. citizens or lawful permanent residents with an SSN who live in one of the 50 states or D.C. No state exclusions are listed in the Terms. U.S. territories are not included.
U.S. bitcoin brokerage for buying and selling bitcoin, with zero-fee recurring buys and on-chain or Lightning sends.
Pay with
Bank transfer
Fees
1% one-time, 0% recurring after 7 days
ID
ID check
Send to your wallet
On-chain or Lightning
Automatic buys
Yes
Details and sources
Setting up
U.S. citizen or permanent resident with a valid Social Security number, residential address in a supported state (no PO boxes), then identity verification.
All fees as published
One-time buys and sells: 1.00% up to $1,000,000, 0.70% from $1,000,000 to $5,000,000, 0.40% from $5,000,000 to $15,000,000, 0.25% above $15,000,000 (minimum $0.01). Recurring buys are zero-fee starting 7 days after the order is set up. Payroll conversions free up to $30,000 per month.
Sending to your wallet
Send to a bitcoin address, Lightning invoice, LNURL-Pay or Lightning address. Minimum on-chain withdrawal 0.0001 BTC. One free bitcoin send per month; otherwise the Bitcoin network fee shown at send time applies.
Countries
U.S. citizens or permanent residents with a valid SSN. Every U.S. state is supported except Nevada and New York.
Bitcoin app to buy, sell and send bitcoin, with free on-chain withdrawals and Lightning sends, in 98 countries including all U.S. states.
Pay with
Bank transfer, card
Fees
0.89% one-time, 0% recurring after week one
ID
ID check
Send to your wallet
On-chain or Lightning
Automatic buys
Yes
Details and sources
Setting up
18 or older and living in a supported country. Email, phone number, then identity check in the mobile app: name, date of birth, address, government photo ID, tax ID number and a live selfie (varies by country).
All fees as published
U.S. pricing page: one-time and target orders 0.89% under $5,000, 0.79% from $5,000 to $50,000, then lower tiers down to 0.25% above $15,000,000. Recurring purchases and direct deposits 0% for personal accounts after the first week (paychecks up to $20,000 per month). On-chain withdrawals free.
Sending to your wallet
Withdraw on-chain or over Lightning. On-chain withdrawals are free. Automatic withdrawals trigger at a threshold from 1,000,000 sats to 500,000,000 sats, with no fees.
Countries
Strike lists 98 countries, including the United States (all 50 states, D.C. and Puerto Rico, so New York is included), the United Kingdom, most of the EU, much of Latin America, Africa and Asia-Pacific.
U.S. bitcoin service for one-time and recurring buys from a bank account, with free on-chain withdrawals and auto-withdrawals.
Pay with
Bank transfer
Fees
1% per buy, free withdrawals
ID
ID check
Send to your wallet
On-chain
Automatic buys
Yes
Details and sources
Setting up
18 or older, U.S. Social Security number, U.S. smartphone number, U.S. bank account with routing and account number, then identity verification with a photo ID through Persona.
All fees as published
1% on buys and 1% on sells, no buy fee on a new client's first $250. Bitcoin and cash withdrawals free. Optional custody fees: Swan Safe 0.03% of balance per month ($0 with auto-withdrawals), Swan Vault $30 per month to $150k then 0.02% per month (max $500), Swan Sovereign $25 per month, self-custody $0.
Sending to your wallet
Withdrawals free. Minimum withdrawal 0.0001 BTC (10,000 sats). Addresses starting with 1, 3 or bc1q are supported; Taproot (bc1p) is not yet supported. Auto-withdrawals at most once per week.
Countries
Swan Personal accounts are available for all U.S. residents (New York included; Swan announced it is live in New York) plus Guam, Puerto Rico and the U.S. Virgin Islands. Requires a U.S. SSN. Swan International is an early-access signup only.
Private peer-to-peer exchange over Tor where you buy bitcoin on Lightning from other people, with no account or KYC.
Pay with
Person to person, bank transfer
Fees
0.025% maker, 0.175% taker
ID
No ID check
Send to your wallet
On-chain or Lightning
Details and sources
Setting up
No account. You need a Lightning wallet and a Tor-enabled browser. A random robot identity is generated for each use.
All fees as published
0.2% total platform fee: maker pays 0.025%, taker pays 0.175%. Lightning routing and on-chain fees extra. On-chain payouts carry a swap fee of 1% to 10% that changes over time.
Sending to your wallet
Trades settle in Lightning sats to your own wallet. On-chain payout is optional with a 1% to 10% swap fee. Trade size 20,000 to 4,000,000 sats.
Countries
No country restrictions stated. Access is through Tor.
U.S. payments app that sells bitcoin from $1 and lets you withdraw it on-chain or over Lightning.
Pay with
Bank transfer, card
Fees
0% to 2% plus spread
ID
ID check
Send to your wallet
On-chain or Lightning
Automatic buys
Yes
Details and sources
Setting up
Cash App account plus identity verification: legal name, date of birth and last 4 digits of SSN or ITIN. Sometimes full SSN, address, photo ID or source of funds.
All fees as published
Market buys: 2.0% ($1 to $499), 1.5% ($500 to $999), 0.9% ($1,000 to $1,999), 0% ($2,000 and up). 0% fee and no spread on Auto Invest, Round Ups and Paid in Bitcoin. Spread on other buys: 0% to 0.75%.
Sending to your wallet
Standard on-chain withdrawal is free, minimum 0.001 BTC, within 24 hours. Rush (2 hours) and Priority (10 minutes) cost a network fee plus up to $2 or $3, minimum 0.00005 BTC. Lightning sends from the bitcoin balance have no Cash App fee (0.9% if paid from the Cash balance), limit $999 every 7 days, not available in New York. Bitcoin bought with bank funds can only leave Cash App after the holding period ends.
Countries
United States only. Cash App says bitcoin services are not licensable in all U.S. states and territories. In New York it operates as Block of Delaware under an NYDFS license, but Lightning is not available to New York residents.
Crypto exchange and app; bitcoin can be sent on-chain or over Lightning, with recurring buys.
Pay with
Bank transfer, card, Apple Pay or Google Pay
Fees
Varies, shown before purchase, plus spread
ID
ID check
Send to your wallet
On-chain or Lightning
Automatic buys
Yes
Details and sources
Setting up
Coinbase account with identity verification at sign-up (photo ID, sometimes proof of address); review status within 24 hours. Verify the account before adding a payment method.
All fees as published
Coinbase fee varies by payment method, order size, location and asset and is shown before you confirm; simple buys include a spread. Limit orders: 1% execution fee and possibly a 1.875% Coinbase fee. Coinbase Advanced has no spread.
Sending to your wallet
On-chain sends are charged an estimate of the network fee. Lightning sends cost 0.2% of the amount, work with invoices only (not Lightning addresses), and are not available in New York or Canada.
Countries
Available in the U.S., UK, EU/EEA and many countries across Latin America, Africa and Asia (country list on Coinbase's identity verification page). Lightning is not available in New York or Canada. Payment methods differ by country.
Crypto exchange and app with bitcoin withdrawals on-chain and over Lightning; not available in New York or Maine.
Pay with
Bank transfer, card, Apple Pay or Google Pay
Fees
1% plus spread in app
ID
ID check
Send to your wallet
On-chain or Lightning
Automatic buys
Yes
Details and sources
Setting up
Kraken account with identity verification (Standard, or Express in the U.S.) before deposits and Lightning sends.
All fees as published
Kraken app: 1% trading fee on instant and recurring trades, 1.5% on custom orders, spreads also apply. Extra fees may apply for card, Apple Pay, Google Pay or ACH.
Sending to your wallet
Lightning withdrawals need a verified account and a Lightning invoice; the fee is shown before you confirm. Crypto transfers are not available to Indiana residents.
Countries
U.S.: not available to residents of New York or Maine; crypto transfers not available in Indiana; bank transfers not available in Indiana, Louisiana, Massachusetts and Utah. Not served: Afghanistan, Belarus, Crimea, Donetsk and Luhansk, Cuba, DR Congo, Iran, Iraq, Japan, Libya, North Korea, Russia, Sudan, South Sudan, Syria. Other countries are served as Rest of World.
Open-source desktop app for trading bitcoin peer-to-peer over Tor, with Bisq 1 (multisig escrow) and Bisq 2 (Bisq Easy).
Pay with
Person to person, bank transfer, cash
Fees
Bisq Easy: no trade fees
ID
No ID check
Send to your wallet
On-chain or Lightning
Details and sources
Setting up
Download the desktop app (Windows, macOS, Linux). No registration. Bisq 1 needs some bitcoin first for a security deposit and fees (about 0.01 BTC). Bisq Easy in Bisq 2 does not need bitcoin to start.
All fees as published
Bisq Easy (Bisq 2): no trade fees, the seller pays the miner fees. Bisq 1: trade fees apply, makers pay less than takers. Bisq 1 fee numbers could not be confirmed.
Sending to your wallet
Bisq never holds your funds. In Bisq Easy the buyer gives a bitcoin address or a Lightning invoice and the seller sends bitcoin to it.
Countries
No country restrictions stated on the official site. Runs as a peer-to-peer network over Tor.
Back up your walletIf your wallet gives you recovery words, write them on paper and keep them somewhere safe. Anyone with them can take your bitcoin.
Nobody genuine asks for your wordsNot support staff, not Saturday Bitcoin, not anyone. Ignore messages promising to double your bitcoin.
Keep spending money separateKeep a small amount on your phone for paying, and move savings to self-custody.
Coming to Saturday Bitcoin
Connect your wallet
Nostr Wallet Connect (NWC) is an open standard that lets you link your own wallet to an app, with a spending limit you set. The app never holds your bitcoin, and you can disconnect at any time.
Once Saturday Bitcoin supports it, you will be able to pay a place from its page, with your payment confirmed by you and the business, and use offers from places you follow. Your bitcoin always goes straight from your wallet to the business.
Wallets that support NWC today
Alby Hub + Alby Go
Coinos
Minibits
Primal
ZEUS
Logos belong to their owners. Saturday Bitcoin isn’t affiliated with or paid by any company listed, and doesn’t sell bitcoin or hold anyone’s money. This guide is general information, not financial advice. Fees and terms change: check the company’s current terms before you sign up.
