Ranking · Updated 2026-10-15
The cheapest way to DCA Bitcoin in the US (2026)
We ranked six US platforms by the true all-in cost of a weekly recurring Bitcoin buy — fees, spread, and custody — not the headline fee. At $100/week, Cash App is cheapest at $0.00 per year on its modeled path.
| # | Platform | $25/wk all-in | $100/wk all-in | $500/wk all-in | Details |
|---|---|---|---|---|---|
| 1 | Cash App Auto Invest / Auto Buy / Round Ups only — documented 0% fee & 0% spread (NOT Market Buy). | $0.00 0.00% | $0.00 0.00% | $0.00 0.00% | True cost → |
| 2 | River Weekly recurring buys — zero fee from 2nd order; assume free monthly withdraw. | $0.25 0.02% | $1.00 0.02% | $5.00 0.02% | True cost → |
| 3 | Strike Weekly recurring buys (personal) — trading fee waived from 2nd purchase; ~0.22% target spread ESTIMATE on every buy. | $3.08 0.24% | $12.33 0.24% | $61.65 0.24% | True cost → |
| 4 | Swan 1% recurring buy + auto-withdraw enabled (custody waived). | $13.00 1.00% | $52.00 1.00% | $260.00 1.00% | True cost → |
| 5 | Kraken Kraken Instant/Recurring Buy at 1% trading fee + estimated spread (not Pro spot). | $19.50 1.50% | $78.00 1.50% | $390.00 1.50% | True cost → |
| 6 | Coinbase Simple/recurring buy path (retail default) — fee+spread ESTIMATED from public disclosures. | $25.87 1.99% | $103.48 1.99% | $517.40 1.99% | True cost → |
52 weekly buys. Spreads marked estimate on Coinbase, Kraken, River. Miner fees excluded. Methodology · Head-to-head pages · Fee change log
FAQ
- What is the cheapest way to DCA Bitcoin in the US in 2026?
- On our modeled recurring-buy paths at $100/week, Cash App ($0.00/yr), River ($1.00/yr), Strike ($12.33/yr) are the lowest all-in cost. Verify current fees before buying.
- What does all-in cost include?
- Buy fees, documented or estimated spread, and modeled custody fees over 52 weekly buys. Network miner fees for withdrawals are excluded because they vary.
- Why is Coinbase or Kraken more expensive?
- Their default app recurring-buy paths charge a percentage fee plus an embedded spread. Their advanced/pro order books are cheaper but don't offer automatic DCA.
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