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Choose where you live, pick up to four exchanges, and read across. Every figure comes from the company’s own pages and carries the date we checked it. Where we could not confirm something, the chart says “Not verified” instead of guessing.
Not sure which ones to pick? Answer three questions and we will suggest a few. For the story behind the numbers, see the full list with our reviews.
No exchange in our list matches that. Change the region, or clear your picks.
Kraken
Where it is availableUnited States (except Maine, New York)
Canada
Canada
Ways to payUnited States: Bank transfer (ACH), Wire transfer, Debit card, Credit card, Apple Pay or Google Pay, PayPal, Crypto you already hold
Canada: Interac e-Transfer, Wire transfer, Debit card, Crypto you already hold
Canada: Interac e-Transfer, Wire transfer, Debit card, Crypto you already hold
Fee, paying by bank1%
Fee, paying by card5%
About these feesThe Kraken app charges 1% on instant and recurring buys and 1.5% on custom orders, and the price you see includes a spread that Kraken does not publish, so these figures are the fees alone. Kraken Pro charges 0.40% maker and 0.80% taker at the entry tier. ACH and FedWire deposits are free, so a bank-funded buy costs the 1%. A debit card deposit costs 3.75% plus $0.25, which on a $100 buy is 4% on top of the 1%, and that is the 5% shown. Canadian prices are the same: an Interac e-Transfer deposit is free and a debit card deposit costs 3.75% plus 0.25 CAD, so both figures apply in Canada as well.
Sending to your own walletOn-chain: 0.000015 BTC
Lightning: yes
Lightning: yes
Who holds the bitcoinThe company, until you withdraw
CoinsBitcoin and other coins
Ease of use2 of 3
Track record and transparency3 of 3
Founded2011
Based inSan Francisco, California, USA (largely remote)
Facts checkedSeptember 21, 2026
Our reviewRead our Kraken review
SourcesAvailability
Availability (2)
Availability (3)
Ways to pay
Ways to pay (2)
Ways to pay (3)
Fees
Fees (2)
Withdrawals
Withdrawals (2)
Track record
Track record (2)
Availability (2)
Availability (3)
Ways to pay
Ways to pay (2)
Ways to pay (3)
Fees
Fees (2)
Withdrawals
Withdrawals (2)
Track record
Track record (2)
Sign up
Coinbase
Where it is availableUnited States
Canada
Canada
Ways to payUnited States: Bank transfer (ACH), Wire transfer, Debit card, Apple Pay or Google Pay, PayPal, Paycheck or direct deposit, Crypto you already hold
Canada: Interac e-Transfer, Debit card, Credit card, PayPal, Crypto you already hold
Canada: Interac e-Transfer, Debit card, Credit card, PayPal, Crypto you already hold
Fee, paying by bankNot verified
Fee, paying by cardNot verified
About these feesCoinbase does not publish a percentage for a simple buy. Its US user agreement says you pay a spread plus a Coinbase Fee that is calculated and shown to you at the moment you place the order. The California disclosure in the same agreement caps that fee at $10 on transactions under $200 and at 6% on larger ones, which is a ceiling and not the usual price. Advanced Trade charges volume-tiered maker and taker fees instead. The Canadian user agreement says the same thing in its own words: every buy and sell carries a Conversion Fee and, depending on the service, a spread, both shown on screen before you confirm, with no percentage published in advance.
Sending to your own walletOn-chain: Network fee (miner fee), shown before you confirm
Lightning: not verified
Lightning: not verified
Who holds the bitcoinThe company, until you withdraw
CoinsBitcoin and other coins
Ease of use2 of 3
Track record and transparency2 of 3
Founded2012
Based inUnited States (remote-first, no official headquarters; SEC filing address in New York)
Facts checkedSeptember 21, 2026
Our reviewRead our Coinbase review
SourcesAvailability
Availability (2)
Ways to pay
Ways to pay (2)
Ways to pay (3)
Withdrawals
Track record
Track record (2)
Availability (2)
Ways to pay
Ways to pay (2)
Ways to pay (3)
Withdrawals
Track record
Track record (2)
Sign up
Gemini
Where it is availableUnited States
Ways to payBank transfer (ACH), Wire transfer, Debit card, PayPal, Crypto you already hold
Fee, paying by bankNot verified
Fee, paying by cardNot verified
About these feesGemini does not publish a percentage for a simple Gemini Mode buy. Its fee page says the fee depends on payment method, order size, market conditions, jurisdiction and asset, that instant and recurring orders include a spread, and that you see the fee on the trade review screen before you confirm. ActiveTrader, the order book interface, charges 0.600% maker and 1.200% taker at the entry tier. ACH and wire deposits are free, a debit card deposit costs 3.49%, a PayPal deposit 2.50%, and a USD wire withdrawal $25.
Sending to your own walletOn-chain: Network fee, shown before you confirm
Lightning: not verified
Lightning: not verified
Who holds the bitcoinThe company, until you withdraw
CoinsBitcoin and other coins
Ease of use2 of 3
Track record and transparency1 of 3
Founded2014
Based inNew York City, New York, USA
Facts checkedSeptember 21, 2026
Our reviewRead our Gemini review
Sign up
Strike
Where it is availableUnited States
Strike does not publish a list of the states it serves. Confirm yours when you sign up.
Strike does not publish a list of the states it serves. Confirm yours when you sign up.
Ways to payBank transfer (ACH), Debit card, Credit card, Paycheck or direct deposit
Fee, paying by bankNot verified
Fee, paying by cardNot verified
About these feesStrike's US terms say it charges a fee for buying and selling bitcoin that is calculated from your monthly trading volume, and a separate deposit fee for moving dollars into the account from a bank account or a card. The terms also say the rate you are quoted may include a spread that Strike keeps. The actual percentages are in Strike's help pages, and Strike's site blocks automated reading, so we could not open them on the date above and no figure is shown here.
Sending to your own walletOn-chain: yes, fee not verified
Lightning: yes
Lightning: yes
Who holds the bitcoinThe company, until you withdraw
CoinsBitcoin only
Ease of use3 of 3
Track record and transparency2 of 3
Founded2020
Based inChicago, Illinois, USA
Facts checkedSeptember 21, 2026
Our reviewRead our Strike review
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River
Where it is availableUnited States (except Nevada, New York)
Ways to payBank transfer (ACH), Wire transfer, Paycheck or direct deposit
Fee, paying by bank1%
Fee, paying by cardNot verified
About these feesRiver charges 1.00% on one-time buys up to $1,000,000 and less above that. Recurring buys are 0% from seven days after you start them, and payroll direct deposit conversions are free up to $30,000 a month. River says the price it sets may include a spread. Adding cash by bank transfer or wire is free, and a standard cash withdrawal is free; an instant cash withdrawal costs 1%, with a $1 minimum and a $150 maximum. River does not take debit or credit cards.
Sending to your own walletOn-chain: One free send a month; otherwise the Bitcoin network fee, which River says goes to miners and not to River
Lightning: yes
Lightning: yes
Who holds the bitcoinThe company, until you withdraw
CoinsBitcoin only
Ease of use3 of 3
Track record and transparency3 of 3
Founded2019
Based inColumbus, Ohio, USA
Facts checkedSeptember 21, 2026
Our reviewRead our River review
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Swan Bitcoin
Where it is availableUnited States
Ways to payBank transfer (ACH), Wire transfer
Fee, paying by bank1%
Fee, paying by cardNot verified
About these feesSwan charges 1% on buys and 1% on sells, with no buy fee on a new client's first $250. Bitcoin and cash withdrawals are always free. Storage is priced separately: self-custody is $0, Swan Safe costs 0.03% of your balance a month and drops to $0 if you turn on automatic withdrawals, and Swan Vault and Swan Sovereign are monthly subscriptions. Swan's fee page does not mention a spread, so the 1% is the whole published cost. Swan does not take debit or credit cards.
Sending to your own walletOn-chain: Free
Lightning: not verified
Lightning: not verified
Who holds the bitcoinThe company, until you withdraw
CoinsBitcoin only
Ease of use3 of 3
Track record and transparency1 of 3
Founded2019
Based inCalabasas, California, USA
Facts checkedSeptember 21, 2026
Our reviewRead our Swan Bitcoin review
Sign up
Crypto.com
Where it is availableUnited States (except New York)
Canada
Crypto.com publishes a list of the US states it serves but no list of the Canadian provinces. Canadians should confirm their province when they sign up.
Canada
Crypto.com publishes a list of the US states it serves but no list of the Canadian provinces. Canadians should confirm their province when they sign up.
Ways to payUnited States: Bank transfer (ACH), Debit card, Credit card, Crypto you already hold
Canada: Interac e-Transfer, Debit card, Credit card, Apple Pay or Google Pay, Crypto you already hold
Canada: Interac e-Transfer, Debit card, Credit card, Apple Pay or Google Pay, Crypto you already hold
Fee, paying by bankNot verified
Fee, paying by cardNot verified
About these feesCrypto.com does not publish a percentage for a buy in its app. Its help centre says it may charge an admin fee decided by market conditions, promotions, volatility and liquidity, and that the fee is shown on the trade preview screen before you submit the order. ACH deposits and withdrawals are free, though your own bank may charge you, and the site adds that other fees and a spread may apply. Canada works the same way: the Canadian site advertises a zero-fee CAD deposit and adds that other fees and a spread may apply, and it publishes no buy percentage either.
Sending to your own walletOn-chain: yes, fee not verified
Lightning: not verified
Lightning: not verified
Who holds the bitcoinThe company, until you withdraw
CoinsBitcoin and other coins
Ease of use2 of 3
Track record and transparency1 of 3
Founded2016
Based inSingapore
Facts checkedSeptember 21, 2026
Our reviewRead our Crypto.com review
SourcesAvailability
Availability (2)
Ways to pay
Ways to pay (2)
Ways to pay (3)
Withdrawals
Track record
Track record (2)
Availability (2)
Ways to pay
Ways to pay (2)
Ways to pay (3)
Withdrawals
Track record
Track record (2)
Sign up
Local Coin Swap
Where it is availableUnited States
Canada
LocalCoinSwap publishes no list of the states or provinces it serves, only a list of countries it refuses. Confirm yours when you sign up.
Canada
LocalCoinSwap publishes no list of the states or provinces it serves, only a list of countries it refuses. Confirm yours when you sign up.
Ways to payUnited States: Bank transfer (ACH), Wire transfer, PayPal, Cash
Canada: Interac e-Transfer, Wire transfer, PayPal, Cash
Canada: Interac e-Transfer, Wire transfer, PayPal, Cash
Fee, paying by bankNot verified
Fee, paying by cardNot verified
About these feesLocalCoinSwap is a marketplace, not a shop. It charges 1% of a completed trade to the person who created the offer, or 0.000025 BTC on bitcoin trades, whichever is greater. If you respond to someone else's offer you pay LocalCoinSwap nothing, but you pay the seller's own price, and that price carries the real cost. Sellers set their own terms, so the ways to pay change from day to day, and two sellers taking the same method can be a long way apart. On 21 September 2026 the Canadian listings were mostly gift card offers, with Interac e-Transfer the usual way to pay with money, and the Interac offers alone ran from 7.5% to 60% above the market rate. The United States listings had more ways to pay with money, including bank transfers, Zelle and PayPal, and the bank transfer offers ran from 7.49% to 18.88% above the market rate. The dearest offers on both lists were gift card offers at 100% above the market rate or more. Open the listings for your own country and compare several offers, because which seller you pick changes the price far more than the 1% fee does. Moving coins out of your LocalCoinSwap wallet costs the blockchain network fee only.
Sending to your own walletOn-chain: Network fee only
Lightning: not verified
Lightning: not verified
Who holds the bitcoinYou: purchases go to your own wallet
CoinsBitcoin and other coins
Ease of use1 of 3
Track record and transparency2 of 3
Founded2017
Based inRemote-first; trades settle peer-to-peer rather than through a central order book
Facts checkedSeptember 21, 2026
Our reviewRead our Local Coin Swap review
SourcesAvailability
Availability (2)
Ways to pay
Ways to pay (2)
Ways to pay (3)
Fees
Withdrawals
Track record
Availability (2)
Ways to pay
Ways to pay (2)
Ways to pay (3)
Fees
Withdrawals
Track record
Sign up
CoinZoom
Where it is availableUnited States (except New York)
Ways to payBank transfer (ACH), Wire transfer, Debit card, Credit card
Fee, paying by bank1.49%
Fee, paying by card5.48%
About these feesCoinZoom publishes its Lite Mode instant buy and sell fee only as a range, 0.75% to 1.49%, and does not say what decides where in the range you land, so the figure shown here is the top of that range. Pro Mode, the order book, starts at 0.44% maker and 0.60% taker before ZOOM token discounts. ACH deposits are free, a wire costs $12, and a debit or credit card deposit costs 3.99%, which added to the 1.49% buy fee is where the card figure comes from. A bitcoin withdrawal costs a flat 0.0005 BTC.
Sending to your own walletOn-chain: 0.0005 BTC
Lightning: not verified
Lightning: not verified
Who holds the bitcoinThe company, until you withdraw
CoinsBitcoin and other coins
Ease of use2 of 3
Track record and transparency2 of 3
Founded2018
Based inSalt Lake City, Utah, USA
Facts checkedSeptember 21, 2026
Our reviewRead our CoinZoom review
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Uphold
Where it is availableUnited States (except Louisiana, New York)
Ways to payBank transfer (ACH), Wire transfer, Debit card, Credit card, Apple Pay or Google Pay, PayPal, Crypto you already hold
Fee, paying by bank2.94%
Fee, paying by card5.94%
About these feesUphold's cost is mostly a spread built into the price. Its fee schedule publishes that spread for bitcoin as 1.8% to 1.95%, and the figures here use the top of that range, as we do for any published range. Uphold's site blocks automated readers, so we read that fee schedule from the Internet Archive's copy of 30 August 2026, of a page Uphold dates 1 July 2026. On top of it Uphold charges a flat $0.99 on any trade below $500, which is 0.99% on a $100 buy, so a bank purchase costs about 2.94% all in; the ACH deposit itself is free. A debit or credit card, Apple Pay or Google Pay deposit costs 3.99%, and the $0.99 small trade fee does not apply on top of it, so a card purchase costs about 5.94% all in. A wire is free at $2,000 or more and $10 below that, and a PayPal or Venmo deposit costs 2.5% into US dollars or 2.99% into any other asset.
Sending to your own walletOn-chain: 0.00004 BTC network fee; Uphold's flat $0.99 crypto withdrawal fee does not apply to bitcoin
Lightning: not verified
Lightning: not verified
Who holds the bitcoinThe company, until you withdraw
CoinsBitcoin and other coins
Ease of use3 of 3
Track record and transparency3 of 3
Founded2014
Based inUnited States (its documents give California, New York and South Carolina addresses); founded as Bitreserve
Facts checkedSeptember 21, 2026
Our reviewRead our Uphold review
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Bitcoin Well
Where it is availableUnited States
Canada
Bitcoin Well does not publish a list of the US states or the Canadian provinces it serves. Confirm yours when you sign up.
Canada
Bitcoin Well does not publish a list of the US states or the Canadian provinces it serves. Confirm yours when you sign up.
Ways to payUnited States: Bank transfer (ACH)
Canada: Interac e-Transfer, Cash
Canada: Interac e-Transfer, Cash
Fee, paying by bankUnited States: 1.2%
Canada: 1.5%
Canada: 1.5%
Fee, paying by cardNot verified
About these feesBitcoin Well never holds your bitcoin, so there is no withdrawal step, and its rates pages promise no withdrawal, account or hidden fees. The whole charge is the spread built into the price you are quoted, which is why these figures are spreads rather than separate fees. In the United States it is 1.2% to buy and 1.2% to sell, funded by ACH bank transfer, so there is no card option. In Canada a verified account pays 1.5% to buy and 2.0% to sell and funds by Interac e-Transfer, while a Lite account, which needs only an email address and is funded with cash vouchers, pays 4.0% both ways. Those rates are for the online portal; ATM and over the counter trades are priced separately.
Sending to your own walletOn-chain: No withdrawal fee: each purchase is sent straight to the wallet address you give
Lightning: yes
Lightning: yes
Who holds the bitcoinYou: purchases go to your own wallet
CoinsBitcoin only
Ease of use1 of 3
Track record and transparency2 of 3
Founded2013
Based inEdmonton, Alberta, Canada (US service via Independent Well USA Corp., Wyoming)
Facts checkedSeptember 21, 2026
Our reviewRead our Bitcoin Well review
SourcesAvailability
Availability (2)
Ways to pay
Ways to pay (2)
Fees
Fees (2)
Withdrawals
Withdrawals (2)
Withdrawals (3)
Track record
Track record (2)
Availability (2)
Ways to pay
Ways to pay (2)
Fees
Fees (2)
Withdrawals
Withdrawals (2)
Withdrawals (3)
Track record
Track record (2)
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How we rate them
Track record and transparency is out of 3. An exchange earns one point for each of these: it publishes proof of reserves, or never holds your bitcoin at all; it has run for five years or more without losing customer funds (a hack or a freeze of customer funds in the last five years counts, even if customers were later repaid in full); it is registered or licensed where you live (FinCEN and state licences in the United States, FINTRAC and provincial securities regulators in Canada). Every exchange gets at least 1.
Ease of use is out of 3, and it is our judgment, so feel free to disagree. 3 means a first purchase happens on a simple buy screen with no order book. 2 means there is a simple screen, but the low fees are only on the advanced one. 1 means you need an order book, or some setup with your own wallet, before you can buy.
Fees are what a simple purchase of about $100 costs you all in, as far as the exchange says. That means the buy fee plus any spread the exchange itself publishes, and, in the card column, the card or deposit fee as well. Where an exchange takes a spread but will not say how big it is, the figure is the fee alone and the note under it says a spread applies on top. Where an exchange publishes a range, we use the top of it. Where an exchange prices the United States and Canada differently, its row shows a line for each. A marketplace where every seller sets their own price has no one figure, so it shows nothing here and explains itself in the note. Fees change, so confirm in the app before a large purchase.
Whichever you pick, move it to your own wallet
An exchange is where you buy bitcoin, not where you should keep it. That is why the chart shows what each one charges to send bitcoin to a wallet you control. Start with Wallets and Self-Custody, and read Avoiding Bitcoin Scams before anyone asks you for a recovery phrase.
Some links on this page are affiliate links. They do not change what the chart shows: see our affiliate disclosure.