Head-to-head · US DCA
Swan 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 $52.00 less than Swan ($0.00 vs $52.00).
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 | Swan all-in | Cash App all-in | Winner | Savings |
|---|---|---|---|---|
| $25/wk $1,300.00 invested | $13.00 1.00% | $0.00 0.00% | Cash App | $13.00 |
| $100/wk $5,200.00 invested | $52.00 1.00% | $0.00 0.00% | Cash App | $52.00 |
| $500/wk $26,000.00 invested | $260.00 1.00% | $0.00 0.00% | Cash App | $260.00 |
Breakdown at $100 / week
Swan
1% recurring buy + auto-withdraw enabled (custody waived).
$52.00
1.00% of $5,200.00 invested
- Buy fees: $52.00
- Spread (documented): $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
Swan sources
Last verified 2026-10-15 (ET)
- Swan fees FAQ (updated 2026-09-09) · accessed 2026-10-15
- Swan withdrawal FAQ · accessed 2026-10-15
Jul–Sep 2026 0.50% promo ended; table uses standard 1%. Without auto-withdraw, add ~0.03%/mo custody.
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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