Saving in cryptocurrency has become one of the most popular ways to invest in crypto long-term. By setting up an automated savings plan using dedicated apps or on crypto exchanges, anyone can easily grow their digital asset exposure over time.
This guide reviews five leading crypto savings options, focusing on those offering long-term accumulation tools, so you can choose based on your risk tolerance, custody preferences, and financial goals.
Relai
The Relai Bitcoin-only app is a user-friendly mobile app designed to simplify buying and selling bitcoin. Users have full control over their coins and can access features like its highly popular automated bitcoin savings plan for a “set it and forget it” savings approach.
Key Features
- Users retain total control over their bitcoin thanks to an in-app self-custody wallet
- Offers “autopilot” weekly or monthly automated recurring buys
- Strong encryption and collaboration with regulated service providers
- User-friendly design and interface
Payment Methods
Relai supports various payment methods for Bitcoin purchases, including bank transfers, debit and credit cards, Apple Pay, and Google Pay, providing both cost-effective and convenient ways to fund accounts.
Security & Custody
Security and user control are central to Relai’s operations, offering self-custodial wallets for users. The platform uses strong encryption and collaborates with regulated service providers to ensure high security standards. Relai operates under EU regulatory frameworks where Relai EU is registered as a Crypto-Asset Service Provider (CASP) under the EU’s MiCA framework with the French AMF, and Relai AG is an SRO member of VQF in Switzerland.
User Experience & Support
Relai offers an intuitive interface for both the mobile app and web, designed to be user-friendly, with clear overviews and simple tools for managing investments. Relai supports its customers through responsive and helpful customer service.
Bitpanda
Bitpanda is a Europe-based investment platform that enables users to set up recurring purchases for bitcoin and a range of other assets. It caters to individuals looking for flexible automation and a broad selection of investment options within a regulated framework.
Users can schedule savings plans on a daily, weekly, or monthly basis. The platform supports various payment methods, making it easy to automate recurring investments.
Key Features
- Recurring investment plans for digital assets
- Flexible frequency settings
- Integration with Bitpanda Cash Plus
- Support for the Bitpanda Card
Payment Methods
Bitpanda supports a range of payment methods on its platform, which may vary by country or fiat currency as well as product. SEPA direct debit, standard bank transfers, credit and debit cards, Skrill, and Apple Pay or Google Pay. SEPA direct debit is typically the most convenient for fully automated plans. Card payments are processed more quickly but can involve higher fees.
Security & Custody
Bitpanda uses a custodial model and operates in line with EU regulatory requirements. Client assets are held across cold and hot wallets and protected with measures such as two-factor authentication and segregated accounts. While custody remains with the platform, its regulatory status provides additional transparency and oversight.
User Experience & Support
The mobile app and web interface are intuitive, offering clear overviews of portfolios and straightforward tools for managing recurring investments. Bitpanda also maintains a detailed knowledge base and provides customer support through a ticketing system.
Bison
Bison is a German crypto application created by the Börse Stuttgart Group that lets users set up recurring bitcoin purchases. It serves EU residents who value a provider with strong ties to traditional financial institutions. The platform is simple to use, and setting up a savings plan takes only a few steps.
Key Features
- Automated saving plans for cryptocurrencies
- Operated by the Börse Stuttgart Group
- Mobile-focused application
Payment Methods
Bison currently supports SEPA bank transfers. In some regions, users can also fund accounts through instant top-ups using debit or credit cards, as well as Apple Pay or Google Pay. Availability varies depending on location and account status.
Security & Custody
Asset custody is managed by a regulated entity within the Börse Stuttgart Group that holds a MiCAR license from BaFin. User funds are held in custodial wallets under this regulated structure.
User Experience & Support
The app features a clean, user-friendly design that allows new users to get started quickly. Customer support is available through a help center and email.
Revolut
Revolut is a digital banking platform that includes simple recurring bitcoin purchases within its wider suite of financial services. It’s commonly used by individuals who want to make small, automated BTC buys without signing up for a separate crypto-specific app. While the recurring purchase feature is convenient, it’s more basic compared to dedicated crypto platforms.
Key Features
- Automated BTC buys
- Auto-conversion at predefined price points
- Seamless integration with Revolut accounts
- Operates within a regulated framework
Payment Methods
Users can fund bitcoin purchases directly from their Revolut balance, via bank transfer, or with a card, depending on their location and account tier. For existing Revolut customers, this makes the setup process fast and straightforward.
Security & Custody
Revolut follows a custodial model and works with licensed third-party custodians to hold digital assets. Users generally do not control private keys, and the ability to withdraw crypto varies by region and subscription level.
User Experience & Support
The interface aligns with Revolut’s broader banking app experience; clean and easy to use. Setting up recurring purchases takes only a few taps, and customer support is provided through in-app chat, with faster priority for paid subscribers.
Kraken
Kraken provides access for recurring crypto purchases, also known as Dollar-Cost Averaging (DCA), designed to help investors build their crypto portfolios. This approach allows users to invest consistently over time, mitigating the impact of market volatility.
Key Features
- Automated crypto buys
- Investors can customize their recurring buy schedules
- Easily accessible platform via website/app
Payment Methods
Kraken supports various funding options, including bank transfers, debit/credit card payments, and other crypto deposits.
Security & Custody
Kraken is a well-established and regulated cryptocurrency exchange known for its security measures. Kraken generally employs industry-standard security practices, including cold storage for a significant portion of assets, and adheres to regulatory requirements in the jurisdictions it operates.
User Experience & Support
Kraken’s platform is designed for ease of use, and setting up recurring buys is an intuitive process. The platform also provides extensive educational resources and guides on DCA strategies, and customer support is available to assist users with any queries.
So, What’s the Best Top Crypto Saving Plan?
Choosing the right crypto savings plan depends on what you’re actually trying to achieve. Some platforms prioritize automation and simplicity, others focus on regulation and custodial structure, and a few emphasize full control through self-custody.
Whether your goal is steady bitcoin accumulation or broader crypto exposure, the key is understanding the trade-offs between convenience, security, and control. Review the features carefully, consider your risk tolerance, and select the setup that aligns with your long-term financial strategy. And remember, never invest more than you can afford to lose.
