6 Best Crypto Investing Apps in 2026
The best brokerage and fintech apps for buying crypto in 2026 compared on fees, coins, staking and availability. See Robinhood, eToro, Cash App, PayPal, Public and Webull.
By Jonathan West · Updated July 2026
Choosing the best crypto app among brokerage and fintech platforms depends on how fee structures, coin selections, staking options, and state availability align with your current investing habits. At PipeFlare, we compare how multi-asset apps handle digital tokens alongside traditional accounts, drawing directly from published provider disclosures as of Oct 2026. Every service examined here operates as a brokerage or payments platform rather than a standalone crypto trading desk. Feature availability and fee schedules change over time.
Compare dedicated crypto exchanges next
Robinhood
Best for: Best for staking and no deposit or withdrawal fees
Robinhood offers cryptocurrency trading with no deposit or withdrawal fees, using cold storage for the majority of coins. Orders route through market makers with costs included in the spread, or through exchange routing with fees between 0.00% and 0.95% based on 30-day volume. It supports staking for Ethereum, Solana, and Cardano starting at $1 in eligible jurisdictions.
Strengths
No deposit or withdrawal fees
Staking for ETH, SOL, and ADA from $1
Available in all fifty U.S. states and D.C.
Limitations
Crypto is not FDIC or SIPC protected
Staking not available in all jurisdictions
Pricing: Spread under default routing; exchange routing 0.00% to 0.95%
eToro
Best for: Best for a 1% flat fee and copy trading
eToro charges a 1% flat fee on crypto purchases and sales, supporting over 100 cryptoassets. It provides monthly staking rewards on select assets with no extra fee, while Ethereum staking requires a manual opt-in. Copy trading features require a $200 minimum copy amount without additional charges beyond standard crypto trading fees.
Strengths
1% flat fee on buys and sells
100+ cryptoassets available
Copy trading with no extra management fee
Limitations
Crypto trading not available in HI, NV, PR, and US VI
Transfer out carries a fee up to 2%, capped at $100
Pricing: 1% flat fee; transfer out up to 2%, max $100
Cash App
Best for: Best for small automatic bitcoin buys
Cash App focuses on Bitcoin and stablecoins with a 0% fee structure on Auto Buy features including Auto Invest, Paid in Bitcoin, and Round Ups. Standard market trades incur fees scaling from 2.0% down to 0% for orders of $2,000 or more, plus a market-dependent spread between 0% and 0.75%. Bitcoin is held 1:1 in cold storage and never lent out.
Strengths
0% fee on Auto Buy and Round Ups
No fee for standard bitcoin withdrawals
Purchase Bitcoin starting at $1
Limitations
No staking program described on checked pages
Services not licensed in all U.S. states and territories
Pricing: Auto Buy 0%; Market Buy 2.0% down to 0% at $2,000+
PayPal
Best for: Best for crypto inside an existing PayPal account
PayPal lets users trade Bitcoin, Ethereum, and PYUSD directly inside their payment app, charging tiered fees between 1.50% and 2.20% plus a conversion spread. Buying or selling PayPal USD (PYUSD) incurs no fee, and holding PYUSD balances can earn a reward the page cites at 4% annually as of Oct 2026, subject to change. Crypto transfers to other PayPal or Venmo accounts are free.
Strengths
Free internal transfers between PayPal and Venmo accounts
No fees to buy or sell PayPal USD (PYUSD)
PYUSD holding reward cited at 4% annually
Limitations
Eligible U.S. states are not published
Standard trading fees range from 1.50% to 2.20% plus spread
Pricing: 2.20% to 1.50% by amount, plus spread
Public
Best for: Best for flat-dollar fees on small orders
Public lists over 60 cryptocurrencies, with crypto held and custodied by Zero Hash LLC. Crypto trades use flat-dollar fees for smaller orders, such as $0.49 for orders up to $10, transitioning to a 1.25% fee for trades above $500.01. Crypto IRA options are available through Alto Trust Co. for an added custodial fee.
Strengths
60+ crypto assets traded 24/7
Flat-dollar pricing starting at $0.49 on small trades
Crypto IRA options available via Alto Trust Co.
Limitations
No crypto staking or yield program described
Services may not be available in all states
Pricing: $0.49 up to $10; 1.25% above $500.01
Webull
Best for: Best for no custody fees
Webull offers access to more than 70 coins, including Bitcoin, Solana, and Avalanche, with no custody fees. Account holders can fund with as little as $1.00, placing trades across mobile and desktop applications. Services for users in New York, Guam, and the Northern Mariana Islands operate via Bakkt, with a $1 minimum order size.
Strengths
No custody fees
Over 70 coins available
Low funding minimum of $1.00
Limitations
Trading fees are not published on the page
Staking features are not described on the page
Pricing: No custody fees; trading fees Not published
Summary comparison
| Option | Crypto fees | Coins | Staking or earn | Availability |
|---|---|---|---|---|
| FeaturedYour company here, pinned above every listing Get featured → | ||||
| Robinhood | Spread under default routing; exchange routing 0.00% to 0.95% | No count given; BTC, ETH, DOGE and more named | Stakes ETH, SOL and ADA; not in all jurisdictions | U.S. only; every state and D.C. |
| eToro | 1% flat fee; transfer out up to 2%, max $100 | 100+ cryptoassets; limited in New York | Monthly staking rewards on select assets, no extra fee | US: not in HI, NV, PR, US VI |
| Cash App | Auto Buy 0%; Market Buy 2.0% down to 0% at $2,000+ | Bitcoin and stablecoins | Not described on pages checked | Not licensable in all U.S. states |
| PayPal | 2.20% to 1.50% by amount, plus spread | Bitcoin, Ethereum, PYUSD and more | PYUSD reward cited at 4% as of Oct 2026, subject to change | US page; states Not published |
| Public | $0.49 up to $10; 1.25% above $500.01 | 60+ assets | No crypto staking described | Not in all states |
| Webull | No custody fees; trading fees Not published | 70+ coins | Not published | New York, Guam via Bakkt |
| SoFi | Not published; separate Crypto Fee Sheet | Not published; SOFID stablecoin named | Not published | Via SoFi Bank, N.A.; state list Not published |
| Moomoo | $0 commission; 0.49% platform fee | Not published | Not published | US residents; state list Not published |
| Bitso | Not published | 100+ assets; also 5000+ global stocks and ETFs | Not published | Not published; jurisdictional restrictions apply |
| Coincheck | Bitcoin on browser Exchange: no transaction fees; buy/sell price gap | Not published | Staking (Beta) listed in footer | Japan-registered; countries Not published |
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App choice by fees and coin list
No single platform serves as the best crypto app for every investor, because the right choice depends on the specific fee model, available coin list, staking options, and state regulatory coverage. If your primary goal is buying bitcoin automatically, Cash App charges 0% on Auto Buy, which includes Auto Invest and Round Ups. This guide evaluates multi-asset brokerage and payments platforms where crypto trades sit alongside stocks, cash management, or payment accounts. Dedicated crypto exchanges are covered on a separate page. You can review standalone trading services directly on our guide covering the best crypto exchanges for beginners. Other providers exist.
Spread, flat fee and tiered fee structures
Fee calculations on brokerage apps fall into three models: embedded spreads, fixed flat rates, and volume-based tiers. Robinhood uses a default market maker routing model where it receives $0.95 per $100 from market makers, which is included in the asset spread with no separate fee line displayed. Users who select exchange routing on Robinhood pay a direct execution fee ranging from 0.00% to 0.95% of executed dollar value, depending on their 30-day trading volume. In contrast, eToro applies a 1% flat fee to all crypto purchases and sales, keeping the calculation identical across order sizes. Tiered fee models adjust the percentage or flat dollar charge depending on order value. Cash App charges a 2.0% fee for market buys between $1 and $499, dropping to 1.5% for orders between $500 and $999, 0.9% for trades between $1,000 and $1,999, and 0% for orders of $2,000 or greater, alongside an estimated spread of 0% to 0.75%. PayPal applies percentage tiers plus an exchange spread, charging 2.20% for orders between $1.00 and $74.99, 2.00% for $75.00 to $200.00, 1.80% for $200.01 to $1,000.00, and 1.50% for orders above $1,000, while buying and selling its PYUSD stablecoin carries no fee. Public charges flat dollar increments on non-API orders up to $500, beginning at $0.49 for trades up to $10 and moving to 1.25% for transactions exceeding $500.01. Webull does not publish its trading fee schedule on its summary page, listing only that it charges no custody fees.
Staking, transfers and custody notes
Custody practices and investor protections on brokerage apps differ fundamentally from stock balances. Each app says crypto is not covered by FDIC or SIPC protection: Robinhood, Public and Webull say neither applies, eToro says deposit-insurance and investor-compensation schemes in the US do not cover it, and Cash App says bitcoin is not FDIC insured. Robinhood stores most coins in cold storage, backed in part by Lloyd's-underwritten crime insurance, and offers staking for ETH, SOL, and ADA starting from $1 of crypto in supported jurisdictions. eToro provides monthly staking rewards automatically on select assets with no additional platform fee, though Ethereum staking requires a manual opt-in from the user. Custody arrangements on other apps rely on regulated partner institutions. Public holds crypto through Zero Hash LLC rather than holding assets directly, offering no crypto staking programs on its platform. PayPal utilizes licensed providers like Paxos for custody and trading, while operating its PayPal Digital, Inc. unit under a New York State Department of Financial Services limited purpose trust charter. Users holding PYUSD inside PayPal wallets can receive an annual reward cited at 4%, though that rate remains subject to change. Standard external crypto withdrawals are supported on several platforms, but policies differ: Cash App charges no fee for standard-speed bitcoin withdrawals, Robinhood advertises zero withdrawal fees, and eToro applies a withdrawal fee up to 2%, capped at $100.
Availability by state
State-level regulatory licenses determine whether an app can provide crypto buying services in your region. Robinhood supports crypto trading across every U.S. state and Washington, D.C., for individuals aged 18 and older who hold a valid Social Security number and U.S. residential address. Webull provides access for residents of New York, Guam, and the Northern Mariana Islands through Bakkt, maintaining an order minimum of $1 for Bakkt-supported accounts and $2 for Coinbase-supported users. Other platforms maintain state-specific exclusions based on regional licensing. eToro restricts crypto trading for residents living in Hawaii, Nevada, Puerto Rico, and the U.S. Virgin Islands, while offering a narrower asset selection to users in New York. Cash App notes that its bitcoin services are not licensable activities in all U.S. states and territories. Public notes that services may not be available in all states, and PayPal's page does not publish an exact list of eligible states.
The verdict
The best crypto app depends on how you balance transaction pricing, coin variety, and regional access. Robinhood offers zero deposit or withdrawal fees, full U.S. state coverage, and staking on ETH, SOL, and ADA. Investors wanting fixed percentage costs can evaluate eToro for its 1% flat fee and copy trading, while Cash App offers a 0% Auto Buy rate for bitcoin.
Frequently asked questions
What is the best app to buy crypto?
No single service is best for everyone. eToro lists a 1% flat fee and over 100 assets, while Cash App suits users focused on recurring, zero-fee Bitcoin buys.
Can I buy crypto on a stock brokerage app?
Yes, brokerage apps like Robinhood, Public, and Webull let you buy crypto alongside stocks. Note that crypto assets on Public and Webull are held through third-party custodians like Zero Hash LLC and Bakkt.
Which app charges the lowest crypto fees?
The lowest fee depends on trade size and order routing. Cash App charges a 0% fee on recurring Auto Buys and large orders over $2,000, Robinhood offers no deposit or withdrawal fees with spread or volume-tiered routing, and Public offers small flat fees starting at $0.49 for orders under $10.
Is crypto on these apps FDIC or SIPC insured?
No. Robinhood, Public and Webull say crypto is neither FDIC insured nor SIPC protected, eToro says US deposit-insurance and investor-compensation schemes do not cover it, and Cash App says bitcoin is not FDIC insured.
Can I move crypto from these apps to my own wallet?
Transfer rules vary by app. Robinhood lists no withdrawal fees, and Cash App allows standard Bitcoin withdrawals at no cost. eToro permits transfers out with a fee up to 2%, capped at $100.
Sources
- Robinhood official site
- eToro official site
- Cash App official site
- PayPal official site
- Public official site
- Webull official site
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