Best Crypto Apps 2026: Top 11 Platforms Reviewed

You want to buy crypto. But some apps take 5 days to verify your account. Others advertise 0.5% fees but charge 4% when you actually buy. Many don’t accept credit cards in your country.

Finding the best crypto apps means looking past the marketing. What matters is behind the scenes. Verification speed, real fees (not advertised ones), payment methods that work for you within actual regulation. So how will you find your way through these crypto apps that almost always overpromise? This guide breaks down 15 platforms so you can pick the right one for your needs.

How to Choose the Best Crypto App for Your Needs

See if this scenario is similar: you download a crypto app expecting to buy Bitcoin in 5 minutes. Then reality hits.

Your bank blocks the payment. Or verification takes 3 days. Or the “low fee” app charges 4% once you’re inside. You give up before owning a single coin.

The right app depends on one question: are you buying crypto once, or trading it daily?

Buying Crypto (What Most People Actually Need)

You want Bitcoin. Or Ethereum. Or another major cryptocurrency.

You’re not trading. You’re not checking price charts every hour. You just want to own some crypto without the runaround.

This means you need:

• Payment methods that actually work (credit card, Apple Pay, bank transfer)
• Fast verification (minutes, not days)
• Honest fee structure (what you see is what you pay)
• The ability to withdraw your crypto later

Apps like Paybis focus entirely on this. No trading complexity or 500-coin menus. Just fast access to major cryptocurrencies with payment methods that work globally.

If this describes you, skip the trading platforms. They’ll overcomplicate what should be simple.

Trading Crypto (Less Common Than You Think)

You’re actively buying and selling. Multiple times per week, maybe even daily.

Trading fees matter here because they multiply fast. You need real charts, limit orders, and multiple trading pairs.

This means you need:

• Low maker/taker fees (under 0.5%)
• Advanced order types
• Quality charting tools
• High liquidity

Most beginners assume they need trading platforms. Most don’t. Be honest: are you actually trading, or just buying to hold?

Earning Passive Income from Crypto

This is the third scenario: you already own crypto. Now you want it to work for you through staking or interest accounts.

This means you need:

• Competitive staking rates
• Flexible vs. locked staking options
• Clear terms on withdrawal periods
• Supported cryptocurrencies for earning

Apps like Nexo and Crypto.com specialize here. But if you don’t own crypto yet, solve that problem first with a proper on-ramp.

Bottom line: Don’t pick a trading platform when you need a buying platform. More features don’t make an app better if those features just get in your way. The best crypto apps match what you’re actually trying to do.

The Best Crypto Apps to Buy Bitcoin and Ethereum in 2026

You’ve decided which type of user you are. Now let’s see which apps actually deliver.

We ranked 15 platforms based on various factors. Verification speed, real fees, payment flexibility, and security are some of them. Some apps take days just to verify an account. Others charge double their advertised rates. A few actually work as promised.

Here’s the list of the best crypto apps you need for 2026.

#1. Paybis

Trust Ratings:| ⭐ 4.4 Google Play | ⭐ 4.6 App Store | ⭐ 4.0 Trustpilot
Availability: 180+ countries | 20+ payment methods | 90+ cryptocurrencies
Regulation: FCA-licensed (UK)

Paybis is built around one idea: buying crypto has to be simple.

I find your way of sending crypto so very easy. It’s not 50 different steps like other Coinbase platforms. I really appreciate you and I like that I get feedback on what is happening either it fails or passes or I’m in the middle of it. You’re just a wonderful platform to work with and thank you. God bless the person who ever came up with it.
Verified User, Trustpilot

Most people who want to buy Bitcoin face the same problems. A few days for verification, your credit card getting declined, or the app only accepting bank transfers. By the time you’re ready to buy, the price moves and your motivation dies.

Paybis removes every single one of these barriers. Here is why it is the best crypto app around:

• Verification that happens the same day. Most apps advertise “quick sign-up”. Then they leave you pending for days. Paybis uses automated identity checks that verify you within hours, often faster. You can buy crypto today, not next week. The review process is transparent, and you know what to expect.
• Payment methods that actually work. This is where most apps fail. They claim to support credit cards. Then you discover that it only works in certain countries. Or they require bank transfers that your bank doesn’t process for crypto purchases. Paybis supports 20+ payment options including credit cards, debit cards, Apple Pay, Google Pay, bank transfers, and local payment methods across different regions. Your bank blocks crypto purchases? Use Apple Pay. Don’t have a credit card? Local bank transfer works. Need instant access? Card payments process immediately. One of these options will work for you, regardless of where you live.
• Fees that don’t hide in the fine print. You’ve probably seen this before: “Low 0.5% fee!” Then you buy and discover they charged 3% for using a credit card, plus another 1% spread markup you never agreed to. Paybis shows you the complete cost before you confirm. The price you see is what you pay. No spread markups added after checkout. No surprise processing fees discovered later. Their fee structure is published and transparent.
• Global access without regional restrictions. Paybis is available in 180+ countries. Not just “we accept bank transfers globally”. We are talking about actual local payment options that people in different countries use.
• FCA regulation for accountability. Paybis holds a license from the UK Financial Conduct Authority. It is a verifiable license that requires regular audits, capital reserves, and consumer protection compliance. You’re using a regulated financial institution with real oversight, not hoping an app doesn’t vanish with your money.
• The crypto selection that covers what people actually buy. 90+ cryptocurrencies including Bitcoin, Ethereum, Litecoin, XRP, and other established coins. Paybis isn’t chasing every new token launch or listing 500 coins nobody buys. The focus is on cryptocurrencies people actually want to own.
• Support that responds when you’re stuck. 24/7 availability matters when your verification is pending or your payment isn’t processing. You’re not waiting until Monday for an email response.

What Makes Paybis Different

✅ Same-day verification – Automated checks get you buying crypto today
✅ 20+ payment methods – Credit cards, Apple Pay, bank transfers. Also local options that actually work
✅ Works in 180+ countries – Global availability. Regional payment support
✅ Transparent pricing – Total cost shown upfront. No hidden spreads or surprise fees
✅ FCA-regulated – Licensed by UK Financial Conduct Authority. Verifiable compliance
✅ 90+ cryptocurrencies – All major coins people want to buy
✅ 24/7 customer support – Help available whenever you need it
✅ Beginner-friendly interface – Simple buying process. No trading complexity

Paybis offers transactions in a quick and easy format with thorough security measures. I’ve been using their app for quite some time and have had no issues.
Verified user, Trustpilot

Bottom line: Paybis is an on-ramp focused entirely on getting you from regular money to crypto ownership without delays. If you want to buy Bitcoin, Ethereum, or other major cryptocurrencies without waiting days or figuring out which payment method works, Paybis solves that problem.

#2. Cash App

Trust Ratings: ⭐ 4.8 App Store | ⭐ 4.9 Google Play
Availability: US only | Bitcoin only
Regulation: US money transmitter licenses

Cash App added Bitcoin buying to their payment app. If you already use Cash App for sending money to friends, buying Bitcoin takes one tap.

The advantage is simplicity. You’re not learning a new platform or creating another account. Bitcoin purchases happen instantly if your Cash App is already verified. The app shows you the total cost before you buy, and you can send Bitcoin to external wallets if you want self-custody later.

The limitation is scope. Cash App only supports Bitcoin. No Ethereum, no altcoins, nothing else. And it only works in the United States.

Best for: US users who already use Cash App and only want Bitcoin

Pros:

✅ Instant Bitcoin access if already verified on Cash App
✅ Simple one-tap buying process
✅ Can withdraw Bitcoin to external wallets
✅ Transparent fees shown upfront
✅ Regulated by US authorities

Cons:
❌ Bitcoin only – no other cryptocurrencies
❌ US-only availability
❌ Limited to bank account or Cash App balance (no credit cards for Bitcoin)
❌ Not ideal if you want multiple crypto options
❌ No customer support for crypto-specific issues

Cash App works perfectly for one specific use case. For everything else, you need a different platform.

#3. Binance

Trust Ratings: ⭐ 4.6 App Store | ⭐ 4.7 Google Play
Availability: 100+ countries (restricted in US, UK, Canada) | 350+ cryptocurrencies
Regulation: Various licenses globally, facing ongoing legal challenges

Binance is the largest crypto exchange by trading volume. The platform offers 350+ cryptocurrencies, low trading fees (0.1%), and every advanced feature traders could want.

The problem is regulatory uncertainty. Binance faces ongoing legal challenges in multiple countries. The UK’s Financial Conduct Authority issued a consumer warning. The US restricted Binance operations, leading to a separate Binance.US platform with limited features. Canada imposed restrictions. Other countries followed.

For users prioritizing safety and compliance, this creates risk. Regulations exist to protect customers. When a platform operates in legal gray areas or faces government enforcement actions, your funds face uncertainty.

The interface is overwhelming for beginners. Binance tries to serve everyone. It includes spot trading, futures, margin, staking, savings, NFTs, launchpad – all competing for space. Finding the simple “buy Bitcoin” button takes navigation through multiple menus.

Verification can take 1-3 days depending on your region. Payment methods are limited compared to platforms like Paybis, as it focuses primarily on bank transfers with some regional card support.

Best for: Experienced traders in regions where Binance operates legally and who need access to obscure altcoins

Pros:

✅ Largest selection of cryptocurrencies (350+)
✅ Low trading fees for high-volume users (0.1%)
✅ Advanced trading features and derivatives
✅ High liquidity for most trading pairs
✅ Multiple earning options (staking, savings, launchpad)

Cons:

❌ Facing regulatory challenges and restrictions globally
❌ Banned or restricted in US, UK, Canada, and other major markets
❌ Complex interface overwhelming for beginners
❌ Legal uncertainty creates risk for users
❌ Limited payment methods (mostly bank transfers)
❌ 1-3 day verification times
❌ Customer support overwhelmed with long response times
❌ Withdrawal restrictions during high volatility periods

Binance works if you’re in a region where it operates legally and you need access to niche altcoins unavailable elsewhere. For regulated, beginner-friendly crypto buying, platforms with clear legal status offer more security.

#4. Robinhood

Trust Ratings: ⭐ 4.3 App Store | ⭐ N/A Google Play
Availability: US only | 15+ cryptocurrencies
Regulation: SEC-registered broker-dealer

Robinhood started as a stock trading app and added cryptocurrency as a side feature. If you already invest in stocks through Robinhood, adding crypto exposure happens in the same app.

The good side is consolidation. Your stocks and crypto live in one place. The interface feels familiar if you’ve used trading apps before. Robinhood advertises zero trading fees, which sounds great until you realize they make money through spread markups instead.

The spread isn’t clearly disclosed. When you buy Bitcoin on Robinhood, you pay slightly more than the actual market price. When you sell, you get slightly less. This hidden cost often exceeds the “trading fees”. Other apps charge you transparently.

Verification takes 2-3 days for new accounts, which is standard for brokerage platforms but slower than crypto-focused apps like Paybis.

Best for: US stock traders who want crypto exposure in the same app they already use

Pros:

✅ Combines stocks and crypto in one app
✅ No explicit trading fees advertised
✅ Clean, simple interface
✅ SEC-regulated broker-dealer
✅ Can earn interest on uninvested cash

Cons:

❌ US-only availability
❌ Spread costs not transparently disclosed (hidden fees)
❌ Limited to 15 cryptocurrencies
❌ Bank account only – no credit cards or alternative payments
❌ Cannot withdraw crypto to external wallets (locked in Robinhood)
❌ 2-3 day verification for new accounts
❌ Crypto not insured (unlike stocks)

Robinhood makes sense if you’re already investing in stocks there and want to add some crypto. But if you need crypto buying with payment flexibility and withdrawal options, Paybis offer better accessibility.

#5. Crypto.com

Trust Ratings: ⭐ 4.7 App Store | ⭐ 4.4 Google Play
Availability: 90+ countries | 350+ cryptocurrencies
Regulation: Licensed in multiple jurisdictions (not available in NY)

Crypto.com is a complete crypto ecosystem with an exchange, wallet, credit card, and rewards program. It offers generous cashback rewards – up to 8% on spending.

The catch is the rewards require staking large amounts of their CRO token. To unlock the best benefits, you need to buy and lock up $40,000+ worth of CRO for 180 days. For most people without that capital, Crypto.com functions as a standard exchange with higher fees than competitors.

However, the app interface is cluttered with features most beginners don’t need. There are too many distractions: staking options, DeFi wallet, NFT marketplace, credit card applications, etc. All are competing for attention when you just want to buy Bitcoin. The learning curve is steeper than platforms focused purely on buying crypto.

Card purchases cost 2.99%, and verification usually takes 1-2 days. The platform supports fewer payment methods than Paybis. It mainly focuses on credit cards and bank transfers.

Best for: Users willing to stake significant CRO holdings for rewards, or those wanting a full crypto ecosystem in one app

Pros:

✅ Huge cryptocurrency selection (350+)
✅ High cashback rewards if you stake CRO
✅ Multiple services in one app (exchange, wallet, card)
✅ Licensed in multiple countries
✅ Decent staking options for various cryptocurrencies

Cons:
❌ Best features require staking $40,000+ in CRO tokens
❌ Cluttered interface overwhelming for beginners
❌ 2.99% fee for credit card purchases
❌ Limited payment methods compared to Paybis
❌ 1-2 day verification wait
❌ Not available in New York and some other regions
❌ Reward rates change frequently without notice

Crypto.com works if you’re committed to their ecosystem and have capital to stake for rewards. For straightforward crypto buying without locking up funds, simpler platforms offer better value.

#6. Uphold

Trust Ratings: ⭐ 4.7 App Store | ⭐ 4.5 Google Play
Availability: 184 countries | 250+ cryptocurrencies
Regulation: Licensed in US, UK, EU

Uphold is a multi-asset platform. It offers crypto, stocks, commodities, and currencies all in one place. The platform’s strength is staking: you can earn yields on various cryptocurrencies while holding them.

The weakness is purchase fees. Uphold charges up to 2.95% depending on your payment method and transaction size. That’s higher than many competitors for the same purchase. A $100 Bitcoin buy costs you nearly $3 in fees, compared to platforms with lower or more transparent pricing.

Payment methods are limited compared to dedicated crypto apps. You get credit/debit cards and bank transfers. However, you do not have the extensive local payment options that platforms like Paybis offer globally. This matters when your preferred payment method isn’t supported.

Verification takes about 1 day, which is average but not fast. The interface does too much. It shows you stocks, precious metals, and crypto simultaneously when most people just want one asset type.

Best for: Users who want to earn staking rewards on crypto they already own, or those investing across multiple asset types

Pros:

✅ Strong staking program with competitive rates
✅ Large cryptocurrency selection (250+)
✅ Available in 184 countries
✅ Multi-asset platform (crypto, stocks, commodities)
✅ Licensed in major markets

Cons:

❌ High purchase fees (up to 2.95%)
❌ Limited payment methods vs dedicated crypto platforms
❌ Interface cluttered with non-crypto assets
❌ Average verification time (1 day)
❌ Staking rewards don’t justify high purchase costs for new buyers
❌ Customer support response times vary significantly
❌ Fees not always transparent before purchase

Uphold makes sense if staking rewards matter more to you than purchase costs. If you want to buy crypto with minimal fees and maximum payment flexibility, platforms focused purely on crypto access offer better value.

#7. Coinbase

Trust Ratings: ⭐ 4.7 App Store | ⭐ 4.4 Google Play
Availability: 100+ countries | 240+ cryptocurrencies
Regulation: Publicly traded, licensed in US and multiple countries

Coinbase is the beginner-friendly crypto platform with strong brand recognition. The interface is genuinely simple, and the educational content (Coinbase Learn) helps new users understand crypto basics.

The friction comes from verification delays and fee structures that punish beginners.

Verification takes 3-5 days in most cases. Your ID gets approved quickly, but bank account linking and full approval drags on. You cannot buy crypto until this is completed. By day 4, Bitcoin’s price moves and your initial motivation might fade. Platforms like Paybis verify the same day, Coinbase makes you wait.

The fee structure is deliberately confusing. Coinbase operates two platforms with different fees:

Coinbase (Standard) – What beginners see first. Charges up to 3.99% for credit card purchases and 1.49% for bank transfers, plus hidden spread markups (around 0.5%). Total cost for $100 Bitcoin with a credit card: approximately $4.50.

Coinbase Advanced – Lower fees (0.4-0.6%) but requires learning a trading interface most beginners avoid.

Most users stay on Standard Coinbase paying premium fees because they don’t know Advanced exists. The “beginner-friendly” platform is actually the expensive option.

Payment methods are limited. Bank accounts work in most countries. Credit cards available but restricted by region. No Apple Pay, no Google Pay, no extensive local payment options like Paybis offers.

Best for: Users who value brand recognition over speed and are willing to pay premium fees for psychological comfort

Pros:

✅ Strong brand recognition and trust
✅ Genuinely beginner-friendly interface on Standard platform
✅ High-quality educational content (Coinbase Learn)
✅ FDIC insurance on USD balances (not crypto)
✅ Available in 100+ countries
✅ Publicly traded company with transparency

Cons:

❌ 3-5 day verification delays for most users
❌ High fees on Standard platform (up to 3.99% + spread)
❌ Confusing two-platform system (Standard vs Advanced)
❌ Hidden spread markups not clearly disclosed
❌ Limited payment methods (no Apple Pay, Google Pay)
❌ Must learn two interfaces to access competitive fees
❌ Payment methods restricted by country/region
❌ Customer support slow during high-volume periods

Coinbase works if brand trust is worth paying 4%+ fees and waiting days for verification. For faster access with transparent pricing and more payment flexibility, platforms like Paybis remove the barriers Coinbase creates.

#8. Kraken

Trust Ratings: ⭐ 4.7 App Store | ⭐ 4.4 Google Play
Availability: 190+ countries | 240+ cryptocurrencies
Regulation: Licensed in US, regulated in multiple jurisdictions

Kraken markets itself with “low fees” and “security-focused” positioning. The low fees are real – if you know where to find them.

The problem is Kraken operates two separate platforms with completely different fee structures, and most beginners end up on the expensive one without realizing it.

Kraken (Standard) – The default platform new users see. Simple interface. Fees up to 1.5% plus spread markups. This is what you get when you sign up.

Kraken Pro – Separate platform with complex trading interface. Low fees (0-0.4% maker/taker). This is what the marketing refers to.

The low fees apply to Kraken Pro. Most beginners never discover it exists and pay 1.5%+ on Standard Kraken. By the time you realize there are two platforms, you’ve already paid premium rates.

Verification takes 2-3 days and requires more documentation than most competitors. You need ID verification plus address verification (utility bill or bank statement). More friction than platforms like Paybis that verify the same day.

Payment methods focus on bank transfers. Credit/debit cards available only through a third-party partner with additional fees (3.75% + €0.25). For instant purchases, you pay nearly 4%. For cheaper purchases, you wait 1-3 days for bank transfers.

The interface on Kraken Pro intimidates beginners. Charts, order books, maker/taker distinctions – all necessary for traders but overwhelming when you just want to buy Bitcoin.

Best for: Experienced traders making frequent, high-volume transactions who can navigate Kraken Pro

Pros:

✅ Genuinely low fees on Kraken Pro (0-0.4%)
✅ Strong security track record
✅ Available in 190+ countries
✅ Large cryptocurrency selection (240+)
✅ Advanced trading features for professionals
✅ Regulated in major markets

Cons:

❌ Confusing two-platform system (Standard vs Pro)
❌ Most beginners pay 1.5%+ without knowing Pro exists
❌ Complex Kraken Pro interface not beginner-friendly
❌ 2-3 day verification with extra documentation required
❌ Limited payment methods (mostly bank transfers)
❌ Credit card purchases cost 3.75% through third party
❌ Slow customer support (reported 3-4 day response times)
❌ Must learn trading concepts to access advertised low fees

Kraken’s marketing is technically accurate but misleading. Yes, fees can be 0.4% – if you find Kraken Pro, learn the interface, use bank transfers, and wait for verification. For simple crypto buying with fast access and payment flexibility, platforms like Paybis remove the complexity Kraken creates.

#9. Gemini

Trust Ratings: ⭐ 4.8 App Store | ⭐ 4.2 Google Play
Availability: 70+ countries | 70+ cryptocurrencies
Regulation: Licensed in all 50 US states, SOC 2 Type 2 certified

Gemini markets heavily on security credentials. SOC 2 Type 2 certified. Licensed in all US states. Founded by the Winklevoss twins. The security messaging is everywhere.

The reality is security credentials are table stakes for regulated platforms. Paybis is FCA-regulated. Coinbase is publicly traded. Kraken has strong security. Every legitimate platform must meet security standards. Gemini’s “security advantage” is mostly marketing.

What impacts actual users is the fee structure and payment limitations.

Like Kraken and Coinbase, Gemini operates two platforms with different fees:

Gemini (Standard) – Simple interface. Fees of 1.49% for orders over $200 plus spread markups. For purchases under $200, variable “convenience fees” up to 3.49%.

Gemini ActiveTrader – Advanced platform. Lower fees (0-0.4% maker/taker) plus spread.

The mobile app charges even higher convenience fees – up to 3.49% for small purchases. The fee structure varies by platform, purchase size, and whether you’re on mobile or web. It requires reading fine print to understand what you’ll actually pay.

Payment methods are limited. Bank transfers and debit cards only. No credit cards accepted. No Apple Pay, Google Pay, or the extensive local payment options Paybis offers. If your debit card doesn’t work, you’re stuck with bank transfers that take days.

Verification takes 1-2 days and requires ID verification, facial recognition, and address verification. More steps than platforms with automated same-day verification.

Cryptocurrency selection is smaller – 70 coins versus 240+ on competitors. If you want anything beyond major cryptocurrencies, Gemini probably doesn’t have it.

Best for: US users who value brand recognition and are willing to learn ActiveTrader for better fees

Pros:

✅ Licensed in all 50 US states
✅ SOC 2 Type 2 security certification
✅ Insurance on hot wallet funds
✅ ActiveTrader fees competitive (0-0.4%)
✅ Clean interface on standard platform
✅ Founder credibility (Winklevoss twins)

Cons:

❌ Confusing two-platform fee structure
❌ High fees on Standard platform (1.49% + spread)
❌ Mobile app charges up to 3.49% convenience fees
❌ Limited payment methods (no credit cards, no Apple Pay)
❌ Smaller crypto selection (70 vs 240+ on competitors)
❌ 1-2 day verification with multiple steps
❌ “Security premium” is marketing – all regulated platforms are secure
❌ Must learn ActiveTrader to access competitive fees

Gemini’s security credentials are real but not unique. You’re not getting meaningfully more security than other regulated platforms – you’re paying higher fees (1.49%) with fewer payment options.

#10. eToro

Trust Ratings: ⭐ 4.5 App Store | ⭐ 4.0 Google Play
Availability: 100+ countries (limited US availability) | 100+ cryptocurrencies (15+ in US)
Regulation: FCA (UK), ASIC (Australia), CySEC (Cyprus)

eToro built its platform around social trading – you can copy the trades of successful investors automatically. If you’re interested in learning from other traders while investing in both stocks and crypto, eToro offers something unique.

The appeal is the copy-trading feature. You find investors with strong track records, allocate funds to copy their moves, and your account mirrors their trades automatically. For people who want exposure without making every decision, this approach has value.

The friction comes from fees, withdrawal costs, and geographic limitations.

eToro charges a flat 1% trading fee for crypto, which sounds straightforward. But add the payment processing fee (0.5% for most methods), and you’re at 1.5% total. Then there’s a $5 withdrawal fee every time you want to cash out profits. Small purchases get eaten by the $5 fee. If you withdraw $50 in profits, you’ve already lost 10% to the withdrawal charge alone.

US users face heavy restrictions. Only 15 cryptocurrencies are available in the US compared to 100+ globally. States like New York, Nevada, and Hawaii are completely excluded. If you’re US-based, eToro’s crypto selection is limited compared to platforms with full access.

Verification takes about 24 hours, which is faster than Coinbase but slower than Paybis. Payment methods include credit/debit cards, bank transfers, PayPal, Skrill, and Neteller – decent variety but not the 20+ options Paybis offers.

The interface feels cluttered if you just want to buy crypto. Social feeds, copy trading portfolios, stock listings, and crypto options all compete for attention. The copy-trading focus makes simple purchases feel buried in features you might not use.

There’s also a $10 monthly inactivity fee after 12 months of no activity. If you buy crypto and hold without logging in regularly, you’ll slowly lose money to inactivity charges.

Best for: International users interested in social/copy trading who want both stocks and crypto in one platform

Pros:

✅ Unique copy-trading feature
✅ Regulated in multiple countries (FCA, ASIC, CySEC)
✅ Good payment method variety (cards, PayPal, bank transfers)
✅ Flat 1% crypto fee is transparent
✅ Available in 100+ countries
✅ Combines stocks and crypto

Cons:

❌ $5 withdrawal fee eats into small profits
❌ US users limited to only 15 cryptocurrencies
❌ Not available in NY, NV, HI and other US states
❌ $10 monthly inactivity fee after 12 months
❌ Interface cluttered with social features
❌ 1.5% total cost (1% + 0.5% processing) higher than advertised
❌ Copy-trading focused – overkill for simple buyers
❌ Smaller crypto selection in restricted markets

eToro makes sense if copy-trading appeals to you and you’re outside the US with access to their full crypto selection.

#11. MoonPay

Trust Ratings: ⭐ 4.4 App Store | ⭐ 4.0 Google Play
Availability: 160+ countries | 110+ cryptocurrencies
Regulation: Licensed in US and multiple jurisdictions

MoonPay operates as a crypto payment infrastructure provider – they power the “buy crypto” button on other platforms like MetaMask, Trust Wallet, and various DeFi apps. You can also buy directly through their website or app.

The business model creates an interesting dynamic. MoonPay makes money by charging fees on top of whatever the crypto costs. Since they’re embedded in other platforms, they have less competitive pressure to keep fees low.

Fees range from 4.5% to 5.5% depending on payment method and purchase amount. That’s significantly higher than dedicated crypto apps. A $100 Bitcoin purchase costs you $4.50-$5.50 in fees alone. Compare that to Paybis at 2.9% or even Coinbase Standard at 3.99%.

The high fees exist because MoonPay targets convenience over cost. If you’re already using a wallet app and see “Buy with MoonPay” button, clicking it is easier than leaving the app to buy crypto elsewhere. You pay for that convenience.

Verification speed varies widely based on payment method and region. Some users report instant approval. Others wait hours or even days. The inconsistency creates uncertainty when you want to buy quickly.

Payment methods include credit/debit cards, bank transfers, Apple Pay, and Google Pay. Decent variety but not as extensive as Paybis’s 20+ options with local payment methods globally.

Customer support reviews are mixed. Trustpilot shows complaints about declined transactions without clear explanations, funds held for verification, and slow support responses. The 3.9 App Store and 3.6 Google Play ratings are lower than most competitors on this list.

Best for: Users already in a wallet app who prioritize convenience over cost

Pros:

✅ Integrated into many wallet apps and DeFi platforms
✅ Available in 160+ countries
✅ Supports Apple Pay and Google Pay
✅ 110+ cryptocurrency selection
✅ Sometimes offers instant verification

Cons:

❌ High fees (4.5-5.5%) compared to competitors
❌ Inconsistent verification times
❌ Lower trust ratings (3.9 App Store, 3.6 Google Play)
❌ Frequent complaints about declined transactions
❌ Customer support slow to respond
❌ Payment methods limited vs Paybis
❌ Transactions sometimes held without explanation
❌ Paying premium for convenience that other apps offer cheaper

MoonPay works if you’re already using a wallet app and don’t want to leave it. But you’re paying 4.5-5.5% for that convenience when platforms like Paybis offer 2.9% fees with same-day verification and better payment flexibility. The convenience premium is steep.

Crypto Apps Comparison for 2026

Here is the detailed comparison of the best crypto apps you might consider for 2026:

App	Fees	Verification	Payment Methods	Countries	Cryptocurrencies	Rating
Paybis	1.5–2.9%	Same day	20+ options	180+	90+	⭐ 4.4–4.6
Cash App	~2.25%	Instant	Bank / balance only	US only	Bitcoin only	⭐ 4.8–4.9
Binance	0.1%	1–3 days	Bank transfers	100+	350+	⭐ 4.6–4.7
Robinhood	~0.5–1%	2–3 days	Bank only	US only	15+	⭐ 4.3
Crypto.com	2.99%	1–2 days	Cards, transfers	90+	350+	⭐ 4.4–4.7
Uphold	Up to 2.95%	1 day	Cards, transfers	184	250+	⭐ 4.5–4.7
Coinbase	3.99%	3–5 days	Bank, limited cards	100+	240+	⭐ 4.4–4.7
Kraken	0.4–1.5%	2–3 days	Bank transfers	190+	240+	⭐ 4.4–4.7
Gemini	1.49–3.49%	1–2 days	Debit, transfers	70+	70+	⭐ 4.2–4.8
eToro	1.5% + $5	24 hours	Cards, PayPal	100+	100+ (15+ US)	⭐ 4.0–4.5
MoonPay	4.5–5.5%	Varies	Cards, Apple Pay	160+	110+	⭐ 4.0–4.4

The table shows the numbers. Now let’s talk about what they actually mean for you.

• If you’re buying crypto for the first time: Speed and payment flexibility matter more than trading features you won’t use. Paybis gets you verified the same day with 20+ payment options. Cash App works if you’re in the US and only want Bitcoin. Everything else adds complexity without solving your actual problem.
• If you’re moving from another platform: Look at what frustrated you there. Was it verification delays? Payment methods that didn’t work? Hidden fees? Most people switch because their current app makes buying crypto harder than it needs to be. The best crypto apps remove barriers.
• If you want the lowest possible fees: Trading platforms like Binance (0.1%) and Kraken Pro (0.4%) offer the cheapest rates. But you’ll wait days for verification and deal with limited payment methods. The “low fee” becomes expensive when measured in time and frustration. For most people, paying 2-3% to actually complete a purchase beats saving 1% but giving up before finishing.
• If brand recognition matters to you: Coinbase and Gemini offer that comfort. You’ll pay premium fees (3.99%+) and wait longer for verification. That’s the trade-off for a name you recognize. Just know you’re paying for the brand, not better service.

The question you should ask is, “which app lets me buy crypto today without fighting the process?”

For most people reading this, that answer is Paybis.

Bottom Line

You now know what matters when choosing a crypto app. Verification speed, real fees, payment methods that work, and actual regulation.

Most platforms fail on at least one of these. They advertise low fees but charge double. They claim easy access but make you wait days. They support multiple payment methods, but don’t work in your country.

Paybis ranks first because it removes these barriers. Same-day verification. 20+ payment options. Transparent fees. FCA regulation. Available in 180+ countries.

If you just want to buy crypto without the runaround, start with Paybis.