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. 12 wallets for paying in shops in Asia and the Pacific.
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.
Minibits
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.
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.
Start small. Every service here lets you send what you buy to your own wallet. 12 services in Asia and the Pacific.
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.
AmberAppBitcoin only
Australian bitcoin-only app for buying, recurring buys and automations, with sends to your own wallet on-chain or Lightning.
Pay with
Bank transfer
Fees
0.99% fee plus spread
ID
ID check
Send to your wallet
On-chain or Lightning
Automatic buys
Yes
Details and sources
Setting up
Download the app, verify email and mobile, set a PIN, then one government ID (driver's license, Australian passport or proof of age card) and a selfie, and link and verify a bank account.
All fees as published
0.99% per buy or sell under 50k AUD, tiered pricing 50k to 149k, zero exchange fee above 150k with bespoke spreads. Spread included in the rate. Recurring buys fee-free under the Sovereign Sats introductory offer. PayID deposit 0.65 AUD under 75 AUD, EFT 1.10 AUD under 100 AUD, otherwise free.
Sending to your wallet
On-chain sends pay the network fee at cost. Sends of 210,000 sats or more are free in a batched send within 1 business day. Lightning sends pay a small routing fee (about 1 to 3 sats). Scheduled sends to your own wallet are available.
Countries
Australia only. Individual accounts for Australian citizens and residents. Trusts, companies and SMSFs also supported. AUD by PayID or EFT from a verified bank account.
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.
Australian bitcoin-only exchange with Express buy, an order book, recurring buys and on-chain or Lightning withdrawals.
Pay with
Bank transfer
Fees
No fee on Express Buy
ID
ID check
Send to your wallet
On-chain or Lightning
Automatic buys
Yes
Details and sources
Setting up
Sign up on the web or the Bitaroo Express app and complete identity verification (KYC, AUSTRAC rules). Deposit AUD by PayID/Osko or EFT.
All fees as published
Express Buy and Sell: no fees. Trade page: maker 0.15% and taker 0.19% under 10k AUD 30-day volume, lower tiers above. AUD deposit 1.95 AUD under 1,000 AUD, free from 1,000 AUD. AUD withdrawal 1 AUD. Fees include GST.
Sending to your wallet
On-chain: priority 0.0003 BTC, standard 0.0002 BTC, economy 0.0001 BTC, batch 0.00001 BTC. Lightning: free to Bitaroo accounts, 0.00000888 BTC to other wallets. New on-chain addresses must be verified once (Travel Rule).
Countries
Australian residents and citizens only. AUD deposits only from Australian bank accounts in your own name.
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.
Non-custodial peer-to-peer marketplace where you buy bitcoin from other people, with the bitcoin held in multisig escrow.
Pay with
Person to person, bank transfer, cash
Fees
0.75% per trade
ID
No ID check
Send to your wallet
On-chain or Lightning
Details and sources
Setting up
Sign up with an email and password and confirm the email link. You need your own bitcoin wallet. No download needed.
All fees as published
Trading fee 0.75% per party per trade (max 1.5% total). 0.5% for users who sign up with a referral code. Minimum fee is dynamic and normally not above $5. Bitcoin network fees are extra.
Sending to your wallet
Bitcoin is released from escrow straight to your own wallet address. Network fee is deducted on release. Minimum trade 0.00025 BTC. Lightning trades run through an Arkade integration (Buy LN-BTC).
Countries
Not available to citizens, residents or people located in the United States (all states and territories). Also restricted: Russia, Belarus, Cuba, North Korea, Iran, Iraq, Syria, Sudan, Somalia and UN embargoed places.
Swiss peer-to-peer bitcoin app where buyers pay sellers directly and bitcoin is held in 2-of-2 multisig escrow.
Pay with
Person to person, bank transfer, cash
Fees
2% per trade
ID
No ID check
Send to your wallet
On-chain
Details and sources
Setting up
Download the app (Android, iOS via TestFlight, APK) or use the web app. No registration or verification. The app includes a self-custody bitcoin wallet.
All fees as published
2% of the amount released from escrow. Bitcoin network fees extra. Releases are batched every 24 hours, or immediate for an extra network fee.
Sending to your wallet
Bitcoin goes to the address the buyer gives, minus the 2% fee and network fees. Default payout is batched every 24 hours.
Countries
Not available in the United States or China, or in OFAC/EU sanctioned regions. Not offered or marketed in the EU/EEA. EU/EEA users may use it only on their own initiative, and the site warns use may be restricted there after 1 July 2026.
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.
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.
Crypto app in South Africa, Nigeria, Kenya, Malaysia and Indonesia; bitcoin can be sent to your own wallet.
Pay with
Bank transfer, Apple Pay or Google Pay
Fees
2% instant buy in South Africa
ID
ID check
Send to your wallet
On-chain
Automatic buys
Yes
Details and sources
Setting up
Luno account with identity verification (levels set deposit and withdrawal limits). Sending crypto must be enabled and has a waiting period of 24 hours to 30 days.
All fees as published
South Africa: instant buy or sell 2%. Luno Exchange taker fee 0.60% at tier 1 for crypto/ZAR pairs. Deposits: EFT free, instant deposit 1.4%, Apple Pay 2.5%. Card instant buy (3.9%) is currently unavailable. Bitcoin sends use a dynamic fee shown before you confirm.
Sending to your wallet
Dynamic send fee based on network activity. Sending is off by default; once enabled it usually takes 24 hours to activate, up to 30 days in some countries. Sends over 10 BTC are not immediate.
Countries
South Africa, Nigeria, Kenya (new sign-ups paused), Malaysia and Indonesia. Repeat buys not available in Kenya.
Isle of Man bitcoin-focused exchange serving the UK and other listed markets, with on-chain and Lightning withdrawals.
Pay with
Bank transfer, card
Fees
1% fee, 2.5% card deposit
ID
ID check
Send to your wallet
On-chain or Lightning
Automatic buys
Yes
Details and sources
Setting up
Email, address, mobile number, ID document, source-of-funds questions. Proof of address or selfie if automated checks fail. UK users also have a mandatory 24 hour cooling-off period, an investor classification and a 6-question appropriateness test.
All fees as published
1% per buy or sell (auto-buy also 1%). Debit card deposit 2.5% (minimum 10 GBP/EUR). GBP bank transfer (FPS) and EUR SEPA deposits free. GBP withdrawal free with eMoney account, otherwise 1 GBP. EUR withdrawal 1 EUR.
Sending to your wallet
On-chain: 0.000035 BTC (sent within about 15 minutes), 0.0000125 BTC (weekly batch) or free (monthly batch). Lightning: free, up to 1,000 GBP/EUR per withdrawal.
Countries
Listed countries: Alderney, Brazil, Cayman Islands, Curacao, El Salvador, Guernsey, Isle of Man, Jersey, Mauritius, Monaco, New Zealand, Singapore, Switzerland, United Kingdom, British Virgin Islands. Not the US. No EU member states listed.
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.
