True cost · Updated 2026-10-15
Strike Bitcoin fees in 2026 — the true cost
Strike waives the trading fee on recurring purchases for personal accounts after the first weekly buy (0.89% at low volume on that first buy). Separately, Strike's fee FAQ states it targets an all-in spread of ~0.22% on buys and sells — the fee waiver does not remove that spread. We model both.
At $100/week for 1 year, Strike costs about $12.33 all-in (0.24% of $5,200.00) — #3 of 6 US platforms we track.
Modeled path: Weekly recurring buys (personal) — trading fee waived from 2nd purchase; ~0.22% target spread ESTIMATE on every buy.
All-in cost model
Buy fees + estimated spread + modeled custody, 52 weekly buys. Network miner fees excluded. Methodology.
| Weekly | Buy fees | Spread | Custody | All-in |
|---|---|---|---|---|
| $25/wk | $0.22 | $2.86 | $0.00 | $3.08 (0.24%) |
| $100/wk | $0.89 | $11.44 | $0.00 | $12.33 (0.24%) |
| $500/wk | $4.45 | $57.20 | $0.00 | $61.65 (0.24%) |
Hidden costs to watch
- Your first recurring purchase pays the standard tiered trading fee (0.89% at low volume).
- The recurring trading-fee waiver does NOT remove spread — Strike targets ~0.22% all-in spread on every buy/sell (actual may vary; ESTIMATE).
- One-time buys are fully tiered and not fee-free — the waiver applies only to recurring purchases.
- On-chain withdrawals pay the network fee shown at send; Lightning is typically cheaper.
Cheaper path on Strike
Set up a weekly recurring purchase rather than manual one-time buys (to get the trading-fee waiver after week 1), and withdraw over Lightning or in batches to minimize network fees. Expect the ~0.22% target spread on each fill.
- Funding: ACH / linked bank; trading fee waived on recurring after first weekly purchase (personal accounts). Spread still applies.
- Withdrawals: On-chain / Lightning supported; network fees apply as shown at send.
- Custody: Custodial balance; designed for frequent move-to-self-custody.
FAQ
- Does Strike charge fees on recurring Bitcoin buys?
- Strike states personal accounts pay zero trading fees on recurring purchases after the first week. The first buy pays the standard fee (0.89% at low volume). Spread is separate — see below.
- What are Strike's one-time buy fees?
- One-time buys use a tiered schedule starting at 0.89% at low monthly volume (≤$4,999.99).
- Does Strike have a spread?
- Yes. Strike's trading-fees FAQ (accessed 2026-10-15) states: 'Strike targets an all-in spread of 0.22%.' The actual spread may be higher or lower and is reflected in the quoted buy/sell price. The recurring trading-fee waiver does not eliminate this spread. We model 0.22% as an ESTIMATE on every purchase.
Sources
- Strike trading fees FAQ · accessed 2026-10-15
- Strike recurring purchase FAQ · accessed 2026-10-15
Trading-fee waiver is separate from spread. Strike's fee FAQ states it 'targets an all-in spread of 0.22%' (actual may be higher/lower; reflected in quoted price). We model 0.22% as ESTIMATE on every purchase, plus 0.89% trading fee on the first weekly buy only. One-time buys remain fully tiered.
How Strike compares
See the full ranking: Cheapest Bitcoin DCA in the US (2026)
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