Head-to-head · US DCA
Swan vs Coinbase
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, Swan wins on cost — about $51.48 less than Coinbase ($52.00 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 | Swan all-in | Coinbase all-in | Winner | Savings |
|---|---|---|---|---|
| $25/wk $1,300.00 invested | $13.00 1.00% | $25.87 1.99% | Swan | $12.87 |
| $100/wk $5,200.00 invested | $52.00 1.00% | $103.48 1.99% | Swan | $51.48 |
| $500/wk $26,000.00 invested | $260.00 1.00% | $517.40 1.99% | Swan | $257.40 |
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
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
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.
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.
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