US platforms · DCA focus
The cheapest way to DCA Bitcoin in the US
The real all-in cost to buy Bitcoin on a schedule.
Fee pages advertise buy %, but spreads, first-purchase charges, custody, and withdrawal friction decide what you actually keep. We model $100 weekly DCA for 1 year with a transparent formula — estimates labeled, sources linked.
Fee data last reviewed 2026-10-15 (ET). Not financial advice.
Explore StackCost
- Cheapest Bitcoin DCA in the US →Ranked all-in cost for recurring buys — the short answer.
- Head-to-head comparisons →Platform vs platform at $25, $100 and $500 per week.
- Fee change log →Every promo, tier and fee change we track, dated.
- Methodology →The exact formula, assumptions and sources behind every number.
True-cost guides: Coinbase fees · Cash App fees · Strike fees · River fees · Swan fees · Kraken fees
Platform comparison
Scenario: $100 weekly DCA for 1 year ($5200 invested). Expand a row for sources and breakdown.
| # | Platform | Buy fee % | Spread est. | Funding | Withdrawal (BTC) | Custody | All-in / yr |
|---|---|---|---|---|---|---|---|
| 1 | Cash App Auto Invest / Auto Buy / Round Ups only — docume… | 0.00% | 0.00% | Auto Invest / recurring: 0% fee & 0% spread. Market buys $1–499 are 2.0%. | Standard on-chain withdraw free (min ₿0.001 / 100k sats); Rush/Priority may fee. | Custodial; Bitkey pairing for self-custody path. Lightning available (not NY). | $0.00 0.00% of $5,200 |
| 2 | River Weekly recurring buys — zero fee from 2nd order;… | 0.00% DCA* | ~0.00% est. | ACH; free recurring buys from 2nd weekly order; free payroll conversion up to $30k/mo. | 1 free on-chain send/month; additional sends pay network fee by speed. | Full-reserve cold storage; monthly Proof of Reserves; no client BTC lending. | $1.00 0.02% of $5,200 |
| 3 | Strike Weekly recurring buys (personal) — trading fee w… | 0.00% DCA* | ~0.22% est. | ACH / linked bank; trading fee waived on recurring after first weekly purchase (personal accounts). Spread still applies. | On-chain / Lightning supported; network fees apply as shown at send. | Custodial balance; designed for frequent move-to-self-custody. | $12.33 0.24% of $5,200 |
| 4 | Swan 1% recurring buy + auto-withdraw enabled (custod… | 1.00% | 0.00% | ACH recurring buys at standard 1% buy fee (promo rates expire; verify in-app). | Complimentary BTC & USD withdrawals (Swan covers miner fees per FAQ). | Swan Safe 0.03%/mo AOP — waived when auto-withdrawal enabled (modeled path). | $52.00 1.00% of $5,200 |
| 5 | Kraken Kraken Instant/Recurring Buy at 1% trading fee +… | 1.00% | ~0.50% est. | Plaid ACH Instant Buy (no funding fee); recurring orders available on Kraken app (not Pro). | Crypto withdrawal fees shown at confirm; USD ACH withdrawals free. | Exchange custody; Pro order book available for lower fees at volume. | $78.00 1.50% of $5,200 |
| 6 | Coinbase Simple/recurring buy path (retail default) — fee… | 1.49% | ~0.50% est. | ACH to Primary Balance then Simple Buy / Recurring; Advanced Trade has separate maker/taker schedule. | Network fee estimate at withdrawal; Lightning send = 0.2% processing fee. | Hosted custody free; not a self-custody product. | $103.48 1.99% of $5,200 |
Sorted by lowest estimated all-in cost on $100/week for 52 weeks. Tap a row for sources & modeled path. Network miner fees excluded.
Head-to-head
15 pair pages with $25 / $100 / $500 weekly all-in for 1 year.
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