True cost · Updated 2026-10-15
Swan Bitcoin fees in 2026 — the true cost
Swan charges a standard 1% on recurring buys (the Jul–Sep 2026 0.50% promo has ended). Withdrawals are complimentary, and the Swan Safe custody fee of 0.03%/month is waived when auto-withdrawal is enabled — which is the path we model.
At $100/week for 1 year, Swan costs about $52.00 all-in (1.00% of $5,200.00) — #4 of 6 US platforms we track.
Modeled path: 1% recurring buy + auto-withdraw enabled (custody waived).
All-in cost model
Buy fees + documented spread + modeled custody, 52 weekly buys. Network miner fees excluded. Methodology.
| Weekly | Buy fees | Spread | Custody | All-in |
|---|---|---|---|---|
| $25/wk | $13.00 | $0.00 | $0.00 | $13.00 (1.00%) |
| $100/wk | $52.00 | $0.00 | $0.00 | $52.00 (1.00%) |
| $500/wk | $260.00 | $0.00 | $0.00 | $260.00 (1.00%) |
Hidden costs to watch
- 1% buy fee applies to every recurring purchase — no free-DCA waiver.
- Promo rates expire; the 0.50% Jul–Sep 2026 promo ended. Verify in-app.
- Without auto-withdrawal, add ~0.03%/month custody on your balance.
Cheaper path on Swan
Enable auto-withdrawal to a self-custody wallet to avoid the Swan Safe custody fee; Swan covers miner fees on withdrawals per its FAQ.
- Funding: ACH recurring buys at standard 1% buy fee (promo rates expire; verify in-app).
- Withdrawals: Complimentary BTC & USD withdrawals (Swan covers miner fees per FAQ).
- Custody: Swan Safe 0.03%/mo AOP — waived when auto-withdrawal enabled (modeled path).
FAQ
- How much does Swan charge for recurring Bitcoin buys?
- Swan's standard recurring buy fee is 1% per its fee FAQ (updated 2026-09-09). Promotional rates may apply temporarily.
- Does Swan charge to withdraw Bitcoin?
- Swan states BTC and USD withdrawals are complimentary, with Swan covering miner fees.
- Does Swan charge a custody fee?
- Swan Safe is 0.03%/month of assets, waived when auto-withdrawal is enabled.
Sources
- 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.
How Swan compares
See the full ranking: Cheapest Bitcoin DCA in the US (2026)
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