A Bitcoin savings plan lets you automate recurring bitcoin purchases instead of having to make them manually. That way, you can apply a simple, consistent dollar-cost averaging strategy to “smooth out” volatility and build your bitcoin portfolio slowly over time.
In this article, we compare five leading Bitcoin savings plan providers to help you choose one that fits your goals, with a focus on their features, payment methods, security, and user experience.
Quick Take
- Bitcoin savings plans automate recurring BTC buys using dollar-cost averaging (DCA).
- You choose the amount and how often you want to buy, while the app handles the rest.
- This approach cuts out emotional decision-making and helps you build a long-term position in bitcoin over time.
What Is a Bitcoin Savings Plan & How Does It Work?
A Bitcoin savings plan is a savings approach that automates recurring BTC purchases, which can typically be daily, weekly, or monthly. You pick an amount, select a frequency, and the Bitcoin app you choose executes the buys automatically.
This dollar-cost-averaging approach averages out price fluctuations and removes the need to monitor the market.
Savings plans are especially useful for beginners or long-term holders who want to grow their bitcoin portfolio without needing to manage individual trades.
Top Bitcoin Savings Plan Apps
The following are all market-leading Bitcoin savings plan providers you can choose to start accumulating bitcoin.
Relai
Relai (relai.app) is a market-leading, Swiss-made Bitcoin app that was created to make investing in bitcoin simple and offer a savings plan that sends BTC straight to a wallet you control. This design is especially attractive to those who want to automate investing without giving up ownership of their private keys.
Key Features
- Recurring bitcoin buys from €10
- Bitcoin-only platform
- Non-custodial by default
- No KYC required for certain purchase tiers
- Adjustable DCA frequency
- EU-regulated investment platform
Payment Methods
Relai supports several payment methods, including SEPA bank transfers, card payments, Apple and Google Pay. The platform would only accept payment methods registered in your name.
Security & Custody
Relai is non-custodial. You receive a recovery phrase, and all bitcoin is delivered directly to your wallet. Because Relai never holds your funds, exchange-related custody risks are reduced significantly. Relai is regulated in the EU under the MiCa license as well as in Switzerland and Italy.
User Experience & Support
The app is simple, easy to set up, and learn how to use. It takes only a few steps to get started. Support is available through documentation, email, and active community channels.
Pros & Cons
Pros
- Self-custody built in
- Simple onboarding
- Bitcoin-only focus
- Easy recurring buy setup
- Regulated
Cons
- No multi-asset options
Bitpanda
Bitpanda is a European investment platform that offers automated savings plans for Bitcoin and other assets. It’s designed for users who want flexible scheduling and multiple asset options in a regulated environment.
Bitpanda’s bitcoin savings plans can run daily, weekly, or monthly, and the platform integrates with several payment methods to support automation.
Key Features
- Automated savings plans for BTC and other assets
- Multiple scheduling options
- Bitpanda Cash Plus integration
- Bitpanda card support
- EU-regulated investment platform
Payment Methods
Supported methods include SEPA direct debit, bank transfer, credit/debit card, Skrill, and Apple/Google Pay. SEPA direct debit is the most convenient for fully hands-off automation. Card payments are faster but may have higher fees.
Security & Custody
Bitpanda is custodial and operates under EU regulations. Assets are stored using a combination of cold and hot wallets, with standard protections like 2FA and segregated accounts. While users rely on Bitpanda for custody, the regulatory structure adds clarity and oversight.
User Experience & Support
The app and desktop interface are well designed, with clear investment summaries and scheduling tools. Bitpanda provides extensive documentation, a knowledge hub, and ticket-based support.
Pros & Cons
Pros
- Flexible automation
- Regulated
- Broad asset selection
Cons
- Custodial only
- Fees vary by payment method
Coinbase
Coinbase is a globally available crypto platform offering recurring bitcoin purchases with a focus on ease of use and regulatory compliance. Savings plans can be scheduled with various payment methods.
Key Features
- Recurring bitcoin buys
- Broad global availability
- Institutional-grade custody
- Educational tools and resources
- Regulated
Payment Methods
Funding options include bank transfers, ACH, SEPA, Faster Payments, and debit cards. Bank transfers generally carry lower fees. Recurring purchases can be linked directly to bank accounts for automated execution.
Security & Custody
Coinbase is custodial and stores most customer assets in offline cold storage and uses multi-layer security protections, including 2FA and device verification.
User Experience & Support
The Coinbase app is straightforward and relatively beginner-friendly. Recurring buys can be set up quickly, and the interface keeps things simple for new investors. Support is available through chat, help desk articles, and regional phone lines.
Pros & Cons
Pros
- Easy to use
- Available in many countries
- Reliable recurring buy feature
Cons
- No self-custody by default
Bison
Bison is a German crypto app developed by Börse Stuttgart that also offers recurring bitcoin purchases. It caters primarily to EU users who prefer a traditional finance-backed provider. Bison’s interface is straightforward, and its savings plans are easy to set up.
Key Features
- Automated bitcoin savings plans
- Backed by Börse Stuttgart
- Mobile-first app
Payment Methods
Bison supports SEPA bank transfers. While the options are limited, SEPA funding is reliable and cost-effective for recurring Bitcoin purchases.
Security & Custody
Custody is handled by a regulated entity within the Börse Stuttgart group. Digital assets are stored in custodial wallets.
User Experience & Support
The interface is clean and easy to navigate, making setup quick for first-time users. Support is handled through a help center and email.
Pros & Cons
Pros
- Regulated financial backing
- Beginner-friendly
Cons
- No self-custody
- Few payment methods
Revolut
Revolut is a digital banking app offering basic automated bitcoin purchases as part of its broader financial services. It is widely used by people who want casual, small recurring BTC buys without installing a separate crypto platform. Revolut’s savings plan tools are simple, but not as feature-rich as dedicated crypto apps.
Key Features
- Recurring bitcoin purchases
- Auto-exchange at preset price levels
- Integrated with Revolut accounts
- Low minimum investments
- Regulated
Payment Methods
Users can fund purchases directly from their Revolut balance, bank transfers, or card payments, depending on region and account tier. This makes setup very fast, especially for existing Revolut users.
Security & Custody
Revolut is custodial and partners with licensed custodians to store digital assets. Private key control is not available for all customers, and withdrawal access depends on region and subscription tier.
User Experience & Support
The user experience is polished, consistent with Revolut’s banking features. Setting up a recurring Bitcoin purchase is quick and intuitive. Support is available through in-app chat, with priority access for paid plans.
Pros & Cons
Pros
- Easy to use
- Convenient for existing Revolut customers
- Quick setup
Cons
- Full custodial model
- Withdrawal restrictions vary
- Limited crypto features
So, What’s the Best Bitcoin Savings Plan For You?
Nothing here needs to be overthought. Each app on this list solves the same core problem — buying bitcoin on a schedule — but they do it with their own quirks.
Relai appeals to people who want custody in their own hands. Bitpanda and Coinbase feel familiar if you already invest through large platforms. Revolut and Bison offer the “I don’t want another app on my phone” path.
Choose the one that fits your habits and let the automation do its job.
