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. 11 wallets for shopping online that work in any country.
In each group: quickest setup first, then A to Z. No one pays to be listed or for their place.
Easy wallets
The company holds the bitcoin for you, like a bank account. Quick to start; you trust them to keep it safe.
Coinos
A free, open source web wallet and payment page, signed up with just a username and password, suited to quick Lightning payments from any browser.
Who holds it
The company holds it for you
Pays with
Lightning and on-chain
Works on
Web
Setup
Minutes · No ID check
Backup
Username and password, with optional email for password resets (custodial); 12-word seed phrase plus password for the optional non-custodial account
Fees
Free on same network, else 0.1% to 0.4%
Details and sources
Who holds it
The standard Coinos account is held by Coinos; you can withdraw to your own wallet at any time. Settings also offer an optional non-custodial account secured by a 12-word seed phrase and password. A new v3 beta (v3.coinos.io) is being tested separately.
Setting up
Open coinos.io in any web browser and register with a username and password. Adding an email is optional, for password resets and payment notifications.
All fees as published
Receiving payments is free. Sending to other Coinos accounts is free. Withdrawals to external wallets are free on the same network you received on; otherwise 0.4% for Bitcoin or 0.1% for Lightning or Liquid.
Buy inside the wallet
No
Nostr Wallet Connect
Supported. Settings include Nostr Wallet Connect (NWC): copy a connection string so Nostr apps can send payments from your Coinos account.
Countries
No country limits found on Coinos pages. Coinos says over 500 businesses worldwide accept bitcoin with it.
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.
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.
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.
Start small. Every service here lets you send what you buy to your own wallet. 3 services that work in any country.
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.
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.
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.
