Crypto Savings Plans

Crypto savings plans evaluated on cost per year at your monthly amount, the route to your own wallet, licence and asset protection, minimum and schedule, and execution price transparency.

8providers tracked

5ranked (methodology v2026.10.18)

3 November 2026Ranking snapshot

28 October 2026oldest read · due 12 Dec

Independent. Evidence-based.We rank with a published method and sourced evidence. No one can pay to rank.How it works

5 providers match your requirements

Out of 5 ranked providers. 0 excluded.

What this ranks

Ranked here: recurring crypto purchase plans a retail account can set up today, compared on a year of executions at your monthly amount and on the route to a wallet you control.Not ranked here: one-off purchases, savings plans in exchange-traded products rather than crypto-assets, and recurring buys whose terms could not be read.5 of the 8 assessed are ranked; 3 were turned away by name. Who, and whyRequirements narrow the list; they never change a published ChainChoice Score. How the ranking works

Finst Auto Invest

How Finst Auto Invest was chosen

Leads this ranking on Cost per year at €100 a month

Recurring buys at a flat 0.15% per execution

ChainChoice Score78 out of 100

Evidence

High

5/5 criteria scored, with 5 dated sources quoted.

The lowest published all-in cost of a monthly plan: 0.15% per execution, no added spread

Why it leads

Finst Auto Invest is 9 points ahead of Bitstack Recurring, mainly because it scores higher on its plan cost and its execution transparency.
Best in this ranking on plan cost and execution transparency
Ahead of Bitstack Recurring on plan cost (+13.1 points) and execution transparency (+1.2 points)

Tradeoff

Custody exit: 4 points below the best in this ranking

Estimated cost for you

$2 / year

Based on $100 monthly plan

How this is calculated

$100 a month × 12 months × 0.15% all-in rate per execution = $2 / yearThe monthly volume: yours, from Your setup.The 0.15% all-in rate per execution: Finst Auto Invest’s published fees, read 28 October 2026.The provider page prices it with the same model; the published order does not move.

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#ProviderCompare

Bitcoin savings app from €1

69 out of 100

$30

Bitcoin-only plan

67 out of 100

Spread unpublished

Bank-run crypto plan from €10

66 out of 100

Spread unpublished

Multi-asset savings plan from €10

61 out of 100

Spread unpublished

Compare providers (0)

See key differences in features, fees, security and more.

Plan cost

Cost per year at €100 a month

35% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.

Provider	Plan cost (0–10)	ChainChoice Score
Finst Auto Invest	10	78
Relai Recurring	5	67
Trade Republic Crypto Savings Plan	5	66
Bitpanda Savings Plan	5	61
Bitstack Recurring	4	69

Custody exit

Custody and the route to your own wallet

25% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.

Provider	Custody exit (0–10)	ChainChoice Score
Relai Recurring	10	67
Bitstack Recurring	8	69
Trade Republic Crypto Savings Plan	8	66
Finst Auto Invest	6	78
Bitpanda Savings Plan	6	61

Licence

Licence and asset protection

15% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.

Provider	Licence (0–10)	ChainChoice Score
Trade Republic Crypto Savings Plan	10	66
Finst Auto Invest	8	78
Bitstack Recurring	8	69
Relai Recurring	8	67
Bitpanda Savings Plan	6	61

Plan access

Minimum and schedule

15% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.

Provider	Plan access (0–10)	ChainChoice Score
Bitstack Recurring	10	69
Finst Auto Invest	8	78
Bitpanda Savings Plan	8	61
Trade Republic Crypto Savings Plan	6	66
Relai Recurring	4	67

Execution transparency

Execution price transparency

10% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.

Provider	Execution transparency (0–10)	ChainChoice Score
Finst Auto Invest	10	78
Bitstack Recurring	8	69
Relai Recurring	6	67
Trade Republic Crypto Savings Plan	4	66
Bitpanda Savings Plan	4	61

All 5 published criteria

Every ranked row’s score on each criterion, in the published order. Choose a column to order by it.

	Provider						ChainChoice Score
1	Finst Auto Invest	10	6	8	8	10	78
2	Bitstack Recurring	4	8	8	10	8	69
3	Relai Recurring	5	10	8	4	6	67
4	Trade Republic Crypto Savings Plan	5	8	10	6	4	66
5	Bitpanda Savings Plan	5	6	6	8	4	61

How this ranking works

How firm the #1 is, the per-criterion arithmetic behind each score, who pays ChainChoice, and which crypto savings plans were assessed and left out.

FirmThis verdict holds under every one-point re-read

See the arithmetic

Every published criterion was moved up and down by one point and the ranking re-run. The same product came first each time. The published rankings file

Why this score5 published criteria · leads 2 of 5

Published criterionWtScore, and the best hereGap out of 10Pts

Cost per year at €100 a month8.4·1011.2

Custody and the route to your own wallet6−464.8

Licence and asset protection3.6−283.8

Minimum and schedule3.6−283.8

Execution price transparency2.4·103.2

Σ methodology points26.9/32

Each bar is the score on that criterion’s own 0–10 scale, never rescaled to the pool. The dark line is the best any product here reached on that axis. Wt is the most the criterion can add to the 86-point weighted total. Pts is weight × score × 32; the sum is the methodology score, and each weighted point behind the leader costs 2.6 on the displayed score. how these are weighted

Why it ranks first

Why Finst Auto Invest leads this category right now

The only plan in this ranking whose full execution cost is published as one number. Finst's fee schedule, valid as of 23 July 2026, states 'Trading fee 0,15% of trade amount. No added spread.' and that the fee 'applies to all buy, sell, swap, and auto-invest'; its Auto Invest page adds 'there are no extra fees for using Auto Invest'. At €100 a month that is €1.80 a year. The weak point is the exit: Finst holds the coins (through Stichting Finst Custody) and charges 'Network fee + 2,50€ of third-party costs per withdrawal', so the optional automatic withdrawal after every execution would cost more than the plan itself at small amounts.

Best for

The lowest published all-in cost of a monthly plan: 0.15% per execution, no added spread

Main tradeoff

Each withdrawal to your own wallet costs the network fee plus €2.50 of third-party costs, so withdraw in batches rather than after every execution.

Verify before signup

Finst lists its served countries with their payment methods: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland (finst.com/en/countries, read 28 October 2026).

Recommendation summary

What should decide this category

How much will the plan invest each month, and how often should it run?

Should the coins end up in a wallet you control, or can they stay with the provider?

Does the provider publish the spread inside the execution price, or only the fee?

Quick picks

Strong options in this category

Start with the lead choice first, then use the shortlist only if you still need a challenger or stronger fit for a specific setup.

Best overall

Finst Auto Invest

Recurring buys at a flat 0.15% per execution with no added spread, from €10, daily to monthly.

Best for: The lowest published all-in cost of a monthly plan: 0.15% per execution, no added spread

Cost per year at €100 a month · weight 35%10/10Custody and the route to your own wallet · weight 25%6/10Licence and asset protection · weight 15%8/10Minimum and schedule · weight 15%8/10Execution price transparency · weight 10%10/10

Quick pick

Bitstack Recurring

Bitcoin savings app from €1, hourly to monthly, with a published fee ladder and a margin capped at 1%.

Bitstack is the one provider here that bounds its spread in writing. Its Commercial Policy (version 2.0, 6 June 2025) describes 'a variable margin, between 0.01% and 1%, calculated algorithmically' and says 'Bitstack ensures that the margin never exceeds 1%'; the fee sits on top: '1.5% under €250; 1.25% from €250 to €1,000; 1% above €1,000' on the free plan. At €100 a month that is at most 2.5% all-in, at most €30 a year, the highest stated figure in this ranking. The Plus plan cuts the fee to 0.75% for €29.99 a year, which only pays off above roughly €335 a month. Withdrawal to your own wallet is free.

Best for: A small-amount bitcoin plan with a spread you can bound and a free exit to your own wallet

Cost per year at €100 a month · weight 35%4/10Custody and the route to your own wallet · weight 25%8/10Licence and asset protection · weight 15%8/10Minimum and schedule · weight 15%10/10Execution price transparency · weight 10%8/10

Quick pick

Relai Recurring

Bitcoin-only plan that delivers every purchase to your own wallet, and waives its fee on the first €100 a month.

The only non-custodial plan in this ranking: Relai's terms say it lets clients 'buy and sell bitcoin directly through the Apps in a self-custodial manner', and the pricing policy says 'Relai covers network fees when clients buy Bitcoin'. The fee is unusual for a plan: 'Clients get a service fee-free 100 EUR purchase per calendar month … when using a monthly savings plan', and 1.00% applies above that. What the reader cannot see is the price itself. 'Relai applies its own margin' and 'determines, at its sole discretion, the purchase and sale prices', and neither number is published, so the year's cost of a plan is a published floor (€0 at €50 or €100 a month, €18 at €250) plus an unpublished margin. Minimum €50 per order.

Best for: Coins in your own wallet from the first execution, with no withdrawal step to pay for

Cost per year at €100 a month · weight 35%5/10Custody and the route to your own wallet · weight 25%10/10Licence and asset protection · weight 15%8/10Minimum and schedule · weight 15%4/10Execution price transparency · weight 10%6/10

Quick pick

Trade Republic Crypto Savings Plan

Bank-run crypto plan from €10 with no execution fee and free transfers out, but no published spread.

Trade Republic is a German bank, and its crypto savings plan carries no execution fee: the help centre says 'There are no fees for the execution of savings plans' and the price list prices 'Sparplankauf ETF/ Aktie / ELTIF / Cryptowert' at 'kostenfrei'. What the price contains is not published, so the year's cost is €0 in fees plus an unpublished spread. The coins can leave: the binding price list (v11.2025) lists 'Ausführung von Crypto Transfers' as 'kostenfrei' plus network fees, and Trade Republic's release of 14 November 2025 launched a Crypto Wallet with which 'customers can send and receive around 50 cryptos to and from external wallets'. One older help article (1497, undated) still answers 'No, sending and receiving crypto is not possible via Trade Republic'; the price list and the release outweigh it, and the conflict is printed here.

Best for: A crypto plan inside a German bank account, with free transfers out to your own wallet

Cost per year at €100 a month · weight 35%5/10Custody and the route to your own wallet · weight 25%8/10Licence and asset protection · weight 15%10/10Minimum and schedule · weight 15%6/10Execution price transparency · weight 10%4/10

Considered and not ranked

3 products we looked at and left out

A shortlist is only honest if it says who it turned away. Each of these was assessed against the same published criteria as the ranked table and excluded for a stated reason — not overlooked.

We assessed 8 products here and rank 5 — 63% of what we looked at. That share is of the products we assessed, not of the category: how many exist is not something we can count, so we do not claim a number for it.

Scalable Capital· Different jobSparkasse (Krypto – powered by Deka)· Not live yetCoinbase recurring buy· Evidence incomplete

What this ranking does not assess

Control failure: a key or vote changes the rules, freezes or mints.
Liveness failure: the operator stops, censors you or loses data.
Custody failure: whoever holds the assets loses or withholds them.
Regulatory failure: no licence where you are, or a forced market exit.
Information failure: the number is wrong or bought, or your data leaks.

These can still cost you money here; the ranking does not measure them, so a high place says nothing about them. Which criterion scores each family, and why the others do not apply, is in /data/risk-coverage.json.

How this ranking is built

Reviewed on cost per year at €100 a month, custody and the route to your own wallet, licence and asset protection, minimum and schedule, and execution price transparency.

Data checked Oct 2026 · Independent rankings · We show our work

Reviewed 28 October 2026Next review by 12 December 2026Published 28 October 2026Methodology v2026.10.18

How this page is reviewed

Reviewed means every product ranked on this page was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.

Accountable for this review: Mathias Siemonsmeier, Founder.

How we review · Review calendar · Corrections log · How we make money

Direct answer

What is the best crypto savings plan in 2026?

Finst Auto Invest ranks #1 overall for crypto savings plans on ChainChoice. Recurring buys at a flat 0.15% per execution with no added spread, from €10, daily to monthly. It holds that rank under an affiliate-blind methodology scored across 5 published, weighted criteria — the code that ranks providers physically cannot read affiliate payouts (CI-enforced), so a payout can't move a rank. The verdict re-computes on every fee change, incident, or regulatory action; the full reasoning and the audit receipt are under Methodology.

How you can lose money here, and what the ranking scores

Insolvency failure: the firm or issuer that owes you cannot pay.
Scored by Licence and asset protection · 15% (Finst Auto Invest 8/10, Bitstack Recurring 8/10, Relai Recurring 8/10)
Execution failure: you get a worse price, later, or nothing.
Scored by Execution price transparency · 10% (Finst Auto Invest 10/10, Bitstack Recurring 8/10, Relai Recurring 6/10)
Exit failure: you cannot get out at par, on time, or with what is yours.
Scored by Custody and the route to your own wallet · 25% (Finst Auto Invest 6/10, Bitstack Recurring 8/10, Relai Recurring 10/10)

Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Regulatory failure, Information failure. A high place says nothing about these; the Methodology tab says what each means.

Also scored, as cost, quality or a summary of several families: Cost per year at €100 a month (35%), Minimum and schedule (15%).

FAQs

3 questions readers ask before choosing crypto savings plans.

Frequently asked

Questions people ask before choosing savings plans

What is a crypto savings plan?

A standing instruction to buy a fixed euro amount of a coin on a schedule, daily, weekly or monthly, without placing each order yourself. It is also called a recurring buy or dollar-cost averaging. Because the same purchase repeats for years, a small difference in the rate per execution adds up, which is why this page prices a year of executions at your monthly amount rather than a single purchase.

Why do some plans show "Spread unpublished" instead of a yearly cost?

Most providers publish a fee per execution but not how far their execution price sits from the market. That spread is part of what you pay, so a yearly cost without it would understate the price. Where it is neither published nor bounded, the plan shows its published fee floor and the words "Spread unpublished", and it cannot score above the middle of the cost ladder.

Is a plan whose coins cannot leave still ranked?

Yes, with the finding on the row. A plan whose coins cannot be sent to another wallet is exposure you can only exit by selling. In Simple Buy that fails a hard rule; here it is scored instead, at 2 of 10 on the custody criterion, because a plan is a schedule whose coins you move in batches and the cost of each exit matters as much as whether there is one. Every plan ranked today has an exit: Relai delivers each purchase to your own wallet, Bitstack and Trade Republic transfer out for the network fee alone, and Finst and Bitpanda charge for each withdrawal.

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Best picks

Best crypto savings plans in 2026

Weighted on cost per year at €100 a month (35), custody and the route to your own wallet (25), licence and asset protection (15), minimum and schedule (15), and execution price transparency (10). The heaviest is cost: the fee per execution plus the spread in the execution price, over a year of executions.

Best overall

Finst Auto Invest

Recurring buys at a flat 0.15% per execution with no added spread, from €10, daily to monthly.

Data checked Oct 2026

Best for: The lowest published all-in cost of a monthly plan: 0.15% per execution, no added spread

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Written and reviewed by Mathias Siemonsmeier Founder

Not financial advice · For informational purposes only · Always do your own research