Head-to-head · US DCA
Coinbase vs Cash App
All-in cost to buy Bitcoin on a weekly schedule for 1 year — fees, estimated spread, and modeled custody. Network miner fees excluded.
Fee data last verified 2026-10-15 (ET). Methodology.
At $100/week for 1 year, Cash App wins on cost — about $103.48 less than Coinbase ($0.00 vs $103.48).
Ranked by modeled all-in cost only — not custody preference, UX, or future affiliate relationships.
All-in at $25 / $100 / $500 weekly
Each scenario is 52 weekly buys (1 year). Same fee inputs; only the weekly dollar amount changes.
| Weekly DCA | Coinbase all-in | Cash App all-in | Winner | Savings |
|---|---|---|---|---|
| $25/wk $1,300.00 invested | $25.87 1.99% | $0.00 0.00% | Cash App | $25.87 |
| $100/wk $5,200.00 invested | $103.48 1.99% | $0.00 0.00% | Cash App | $103.48 |
| $500/wk $26,000.00 invested | $517.40 1.99% | $0.00 0.00% | Cash App | $517.40 |
Breakdown at $100 / week
Coinbase
Simple/recurring buy path (retail default) — fee+spread ESTIMATED from public disclosures.
$103.48
1.99% of $5,200.00 invested
- Buy fees: $77.48
- Spread (estimate): $26.00
- Custody (modeled): $0.00
Cash App
Auto Invest / Auto Buy / Round Ups only — documented 0% fee & 0% spread (NOT Market Buy).
$0.00
0.00% of $5,200.00 invested
- Buy fees: $0.00
- Spread (documented): $0.00
- Custody (modeled): $0.00
Coinbase sources
Last verified 2026-10-15 (ET)
- Coinbase pricing & fees disclosures · accessed 2026-10-15
- Coinbase Advanced fees · accessed 2026-10-15
Coinbase no longer publishes a fixed Simple Buy % — shown at order preview. 1.49% + ~0.5% spread is an ESTIMATE for small ACH buys; verify in-app. Advanced Trade can be cheaper.
Cash App sources
Last verified 2026-10-15 (ET)
- Cash App bitcoin fees · accessed 2026-10-15
- Cash App fee/withdrawal update (2026-02-09) · accessed 2026-10-15
Modeled path is Auto Invest / Auto Buy / Round Ups / Paid in Bitcoin only — Cash App's fee page (accessed 2026-10-15) states zero fees and zero spread on that path. Market Buy at $1–$499 is 2.0% plus a possible 0–0.75% spread and is NOT what this row models. Do not compare Market Buy numbers to this Auto Invest figure.
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