Head-to-head · US DCA
River 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 $1.00 less than River ($0.00 vs $1.00).
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 | River all-in | Cash App all-in | Winner | Savings |
|---|---|---|---|---|
| $25/wk $1,300.00 invested | $0.25 0.02% | $0.00 0.00% | Cash App | $0.25 |
| $100/wk $5,200.00 invested | $1.00 0.02% | $0.00 0.00% | Cash App | $1.00 |
| $500/wk $26,000.00 invested | $5.00 0.02% | $0.00 0.00% | Cash App | $5.00 |
Breakdown at $100 / week
River
Weekly recurring buys — zero fee from 2nd order; assume free monthly withdraw.
$1.00
0.02% of $5,200.00 invested
- Buy fees: $1.00
- Spread (estimate): $0.00
- 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
River sources
Last verified 2026-10-15 (ET)
- River fees help article · accessed 2026-10-15
- River Proof of Reserves · accessed 2026-10-15
River may include a spread on priced orders; size not publicly fixed — marked estimate 0% for free recurring path until measured.
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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