Bitcoin Savings Plans: Providers Compared

A good bitcoin savings plan buys automatically at low total cost and lets you withdraw your bitcoin to your own wallet. In this bitcoin savings plan comparison, pure bitcoin apps and exchanges come in at about 0.3 to 1.5% per purchase, neobrokers often higher. What matters is the fee plus the spread, the withdrawal, and whether you can stick with the plan for years.

Key takeaways

• Compare the fee plus the spread. "0% fee" almost always means the costs are in the price.
• At €100 a month, the difference between a cheap and an expensive provider is about €10 to €20 a year. Sticking with it matters more than the last tenths of a percent.
• Only choose a provider that lets you withdraw to your own wallet. With many neobrokers and all ETP savings plans, that isn't possible.
• Fixed withdrawal fees eat a lot of small instalments. Collect purchases and withdraw, say, quarterly, or use an app that delivers straight to your wallet.
• All providers in the table are licensed in the EU under MiCA or supervised in Switzerland (as of Sep 16, 2026).

You want to put a fixed amount into bitcoin every month, but every comparison site gives different numbers and a different winner. That is because many providers hide their costs in the spread, and comparison sites often earn from referrals. This comparison shows you which costs really arise, what types of provider exist and how to find the right savings plan in ten minutes.

We earn nothing from any of the providers named. The names are examples, not recommendations.

What a bitcoin savings plan is

A savings plan automatically buys bitcoin for a fixed amount, for example €25 every Monday or CHF 100 on the first of the month. You decide once, and after that it runs without you.

The advantage is not just convenience. Because you automatically get more sats when prices are low and fewer when they are high, your entry price is smoothed out. Experts call this the cost-average effect, or dollar-cost averaging (DCA). Above all, the plan takes away the question of the "right moment", where many buyers come unstuck.

How buying works in general, from opening an account to taxes, is in our guide Buying bitcoin in Germany, Austria and Switzerland. Here it is only about one question: which provider for the savings plan?

These 5 points decide the bitcoin savings plan comparison

1. Total cost per purchase. Fee plus spread. That is the only figure that counts.
2. Withdrawal to your own wallet. Whether it is possible and what it costs. Without withdrawal you only hold a promise from the provider.
3. Minimum amount and interval. From how many euros or francs, and whether daily, weekly or monthly.
4. Licensing. In the EU a licence under MiCA; in Switzerland membership of a self-regulatory organisation or a FINMA licence.
5. Bitcoin-only or not. A provider that keeps showing you other coins earns from trading. For a ten-year plan, fewer distractions are an advantage.

Providers compared: costs, minimum amount, withdrawal

The table shows the savings plan terms from the providers' price lists, compiled by the independent portal bitcoin-sparplan-vergleich.de (as of Sep 16, 2026) and, for 21bitcoin, from the provider's announcement. Where a provider doesn't publish its spread, the table says so. Fees change often: check the current price list before signing up.

How to read the table: a 0% fee is only cheap if the spread is small and published. An openly stated 1% with no spread can be cheaper than "0%" with a 1.25% spread. How to measure your savings plan's total costs yourself is explained in the article on hidden costs when buying bitcoin.

Bitcoin-only apps

21bitcoin, Relai, Coinfinity, Pocket and Strike sell only bitcoin. A savings plan is set up here in five minutes, and withdrawal to your wallet is built in rather than hidden. How they differ fundamentally from exchanges is shown in Bitcoin-only app or crypto exchange.

Relai, Coinfinity and Pocket deliver every purchase straight to a wallet whose keys only you hold. With 21bitcoin and Strike, the bitcoin initially stay with the provider until you withdraw them. Pocket works via a standing order from your bank: you transfer, Pocket buys and sends the sats to your address.

Crypto exchanges

Bitvavo and Kraken have an order book, and the fee there is low and clearly stated. In return they offer hundreds of other coins, and according to the comparison Bitvavo only allows monthly savings plans. If you save larger amounts and don't mind the interface, you often pay the least here.

Neobrokers and crypto apps with a spread

Trade Republic is convenient if you already run ETF savings plans there. Bison is the crypto app of Börse Stuttgart. Both advertise €0 fees, and the costs are in the spread: at Bison about 1.25% on average; Trade Republic doesn't publish it, and estimates range from 0.5 to 2%. Both allow withdrawal to your own wallet.

ETP savings plans in a securities account

Many banks and brokers only offer a savings plan on a bitcoin ETP, a security that tracks the price. The order fee is often zero, plus an annual management fee of about 0.15 to 1%. You never get real bitcoin that you can hold or send yourself this way.

Tip: If you live in Switzerland, Relai and Pocket are two bitcoin-only providers in francs. What Swissquote, PostFinance and Yuh cost and where you can withdraw is compared in Buying bitcoin in Switzerland.

What a savings plan really costs: a worked example

The differences sound big when you only compare percentages. In euros and francs they look like this:

Worked example: €100 or CHF 100 a month for one year

Total cost per purchase	Cost per year	Sats per instalment (EUR)	Sats per instalment (CHF)
0.4%	€4.80 / CHF 4.80	153’630	166’410
1.0%	€12.00 / CHF 12.00	152’705	165’408
1.5%	€18.00 / CHF 18.00	151’933	164’573
2.0%	€24.00 / CHF 24.00	151’162	163’737

Price on Nov 12, 2026: €64’831 or CHF 59’852 (OKX). Between the cheapest and the most expensive case there are just under 2’500 sats per instalment.

So at €100 a month, the gap between 0.4% and 2% is just under €20 a year. That is money, but no reason to choose a provider that doesn't suit you. If you stop your savings plan after the first crash, you lose many times that.

At €1’000 a month it looks different: then it is just under €200 a year, and the cheap exchange is more likely to be worth the extra effort.

The underrated fee: withdrawal to your own wallet

For small instalments, the fixed withdrawal fee weighs more than the purchase fee. On an instalment of about 154’000 sats, 1’000 sats are about 0.65%. If you withdraw every month, that is almost a second fee.

How to keep it small:

1. Collect. Leave the purchases for a few months and withdraw quarterly or above a fixed threshold. A quarter at €100 a month comes to about 460’000 sats, and the 1’000-sat fee is then about 0.2%.
2. Have them delivered directly. Apps such as Relai, Coinfinity and Pocket buy straight into your wallet. Then you don't have to think about withdrawing.
3. Don't collect forever. As long as the bitcoin stay with the provider, you carry its risk. What happens in a bankruptcy is shown by the exchange collapses from Mt. Gox to FTX.

In the EU, from €1’000 per withdrawal the provider must verify that the wallet belongs to you. That is a one-off confirmation, not an obstacle. How to set up a wallet safely is taught in the Academy, stage 2: understand and secure.

Find your savings plan with 3 questions

1. Do you want every purchase in your own wallet immediately? Then apps that deliver directly suit you, such as Relai, Coinfinity or Pocket.
2. Is the lowest fee most important to you, and will you withdraw yourself? Then look at 21bitcoin, Strike or an exchange such as Bitvavo.
3. Do you already have an account with a neobroker? Then that is the quickest route. Check the spread, and use the withdrawal to your wallet.

An ETP savings plan only makes sense if you explicitly don't want your own bitcoin, for example because the money is meant to sit in an existing securities account.

How much and how often?

The frequency matters less than many people think. Whether you buy weekly or monthly makes hardly any difference to the average price over the years. Weekly purchases are psychologically more comfortable because individual days carry less weight. Monthly purchases avoid minimum fees at some providers.

The amount matters more: as much as you would keep the plan running through a 70% drop in price. Bitcoin has fallen that far several times in its history.

Work out what your plan would have returned in the past, and try out the instalment and duration right here:

If you also have a larger sum, Savings plan or lump sum shows what did better since 2011, and the lump sum or savings plan calculator shows how it looks from today.

Savings plans and the Power Law: when is it worth saving more?

A savings plan doesn't need timing. Some savers do raise their instalment when bitcoin is cheap compared with its long-term trend. This site's Power Law model shows where the price currently stands.

On Nov 12, 2026, bitcoin was about 34% below the trend and just under 7% above the floor, so in the "accumulation" zone (from the floor up to 0.79 × trend).

The zones are a classification, not a guarantee. How trend, floor and zones are calculated is in the methodology. Important: only raise your instalment if you can also carry it in bad years. How many sats you want and by when, you record in My Goal. Which instalment takes how long to reach a whole bitcoin is worked out in Becoming a wholecoiner.

Taxes on a savings plan

Each savings plan execution is a separate purchase with its own date and price. That matters when you sell later:

• Germany: each instalment has its own one-year holding period. For bitcoin bought from 2027, the Finance Ministry plans new rules, but they have not been passed (as of Nov 12, 2026).
• Austria: 27.5% on gains, regardless of the holding period. Austrian providers deduct the tax directly.
• Switzerland: for private individuals, capital gains are generally tax-free. Your holdings as of 31 December go into your tax return.

Download your provider's report every year. Which instalment counts first when you sell and how to declare it in your tax return is shown in the article Bitcoin taxes in Germany. More in the guide Buying bitcoin and in the category Law, taxes and practice.