The Top 5 Cryptocurrency Apps in 2026 Reviewed
Xapo Bank is more than just a crypto investing app — it combines the reliability of a fully licensed private bank with the flexibility of Bitcoin management. Regulated by the Gibraltar Financial Services Commission (GFSC), it offers a secure bridge between traditional finance and the crypto economy, making it a strong choice for globally minded users who want to protect and grow their wealth.
The Xapo Bank app gives members full control over their USD and Bitcoin holdings in one place. Users can earn daily interest of up to 0.5% APY on BTC savings and 3.35% APY on USD deposits, with protection of up to EUR 100,000. The app also supports seamless transfers and comes with a Xapo debit card that allows global spending with no foreign exchange fees and up to 1% cashback in Bitcoin.
Beyond deposits and payments, Xapo Bank offers instant Bitcoin-backed loans of up to 1 million USD with no fees, providing flexible access to liquidity. For trading, users benefit from a highly competitive 0.1% BTC trading fee, a rate usually reserved for institutional clients. The premium membership also introduces unique features such as BTC legacy planning, ensuring members can pass on their crypto wealth.
While the app requires a $1,000 annual membership fee, it positions itself as a premium product. For users who frequently move funds, trade Bitcoin, or need a secure, interest-bearing account for both crypto and fiat, the Xapo Bank app delivers one of the most comprehensive packages in the market.
Pros
- ✅ Manage Bitcoin and USD securely through the Xapo Bank app
- ✅ Earn daily interest on BTC and attractive rates on USD deposits
- ✅ Use the Xapo debit card worldwide with up to 1% BTC cashback and no FX fees
- ✅ Get instant Bitcoin-backed loans up to 1 million USD
Cons
- ❌ High annual membership fee of $1,000 may not suit casual users
- ❌ Limited cryptocurrency options compared to other crypto apps
- ❌ Some advanced features can be complex for beginners
- ❌ Premium services mainly benefit high-net-worth users
Minimum deposit
0.0007 BTC
Supported cryptocurrencies
BTC, ETH, ADA, USDC, USDT
Welcome bonus
Earn up to 3.35% interest in BTC. Spend globally with a debit card that gives 1% cashback in BTC
For users who want a fast, simple, and secure way to exchange cryptocurrencies, the ChangeNOW app offers an account-free solution. With a focus on speed and convenience, it lets you swap over 1,500 digital assets across 110+ blockchains, all from a clean and intuitive mobile interface.
The app supports major networks like Ethereum, Solana, Polygon, BSC, Avalanche, and emerging chains such as zkSync and Linea. Users can select fixed or floating rates, ensuring predictable outcomes even during market swings. Permanent exchange addresses simplify repeat transactions, while real-time tracking and notifications keep you updated on each swap. Most exchanges are completed in just a few minutes.
Security and privacy are at the heart of the experience. As a non-custodial platform, ChangeNOW never stores your funds, and all fees are transparent. The app also offers fiat-to-crypto purchases via trusted partners such as Transak and Simplex, supporting Visa, MasterCard, Google Pay, and Apple Pay.
With multi-platform access—including iOS and Android apps, web, and a Telegram bot—ChangeNOW ensures users can manage swaps anywhere, anytime. 24/7 support and a 4.5 Trustpilot rating highlight its reliability and commitment to user satisfaction.
Pros
- ✅ Swap crypto instantly with no account or long verification
- ✅ All fees are included—completely transparent rates
- ✅ Use ChangeNOW via web, mobile, or Telegram bot
- ✅ Business tools: API, White Label, and referral programs
Cons
- ❌ Fees can be higher compared to centralized exchanges
- ❌ No advanced trading options like limit or stop orders
- ❌ Liquidity may be limited for less popular tokens, affecting swap speed
- ❌ No built-in wallet—funds must be transferred elsewhere for storage.
Supported cryptocurrencies
1,500+
Welcome bonus
Swap crypto instantly with no registration required - Over 1,500 assets supported!
The Coinbase app is widely regarded as one of the best crypto apps available today, offering a simple, secure, and intuitive way to manage digital assets on the go. Founded in 2012, Coinbase has grown into one of the most reputable names in the crypto industry, and its mobile app reflects that reputation with a user-friendly design perfect for both beginners and experienced traders.
One of the biggest strengths of the Coinbase app is its ease of use. New users can sign up, verify their identity, and start trading in minutes. The app provides seamless access to hundreds of cryptocurrencies, including Bitcoin, Ethereum, and popular altcoins, all with clear pricing and fast execution. Its clean layout makes buying, selling, and tracking assets straightforward—even for those completely new to crypto.
Security is another area where the Coinbase app shines. Users benefit from strong protections such as two-factor authentication (2FA), biometric logins, and offline cold storage for the majority of assets. As Coinbase is also a publicly traded company, its app carries an additional layer of transparency and trust, setting it apart from many competitors.
Beyond trading, the app also serves as a learning hub. Through its "Learn and Earn" program, users can explore educational modules on crypto and blockchain while receiving small amounts of tokens as rewards. This makes the Coinbase app not just a trading platform, but also a practical way to grow knowledge while building a portfolio.
Overall, the Coinbase app delivers an excellent balance of simplicity, security, and functionality. Whether you're just starting out in crypto or already managing a diverse portfolio, it provides all the tools you need in one secure mobile platform.
Pros
- ✅ Simple and user-friendly app interface
- ✅ Wide selection of cryptocurrencies
- ✅ Strong app security with 2FA and cold storage
- ✅ Educational rewards program for beginners
Cons
- ❌ Higher fees compared to some competitors
- ❌ Limited advanced trading features on the app
- ❌ Customer support can be slow at times
- ❌ Geographic restrictions in certain countries
Minimum deposit
0.0001 BTC
Supported cryptocurrencies
240+
Welcome bonus
Sign up and get up to $200 in crypto (use code get50 to get $50 BTC)
Changelly, launched in 2015, is a trusted cryptocurrency exchange platform that has served over 10 million users worldwide, enabling seamless swaps across 1,000+ digital assets spanning 185+ blockchains, including Bitcoin, Ethereum, Solana, and emerging altcoins. With a decade of operation and zero security breaches, Changelly has built a solid reputation for reliability and safety in the crypto space. The platform offers both quick crypto-to-crypto exchanges and a comprehensive fiat on-ramp service, allowing users to purchase over 350 cryptocurrencies using 100+ fiat currencies through 20+ payment methods. New mobile app users receive a generous $50 in service-fee credits, making it an attractive entry point for those new to crypto trading.
Security and transparency are fundamental to Changelly's operations. With a flawless 10-year track record of zero hacks or data leaks, the platform employs industry-leading security measures to protect user funds and information. Changelly's transparent fee structure features a flat 0.25% fee for crypto swaps with no hidden charges, ensuring users know exactly what they're paying. Most transactions are completed in under 10 minutes, providing the speed modern traders demand. The platform's fiat on-ramp aggregator is particularly innovative, displaying real-time offers from 10+ payment providers in a single interface, allowing users to compare rates, fees, and payment methods instantly to secure the best deal for their location and preferences.
Changelly enhances user experience with accessible educational resources through Changelly Academy, where users can complete crypto crash courses to earn fee credits and welcome bonuses while building their knowledge. The platform's 24/7 customer support is staffed by real humans, not bots, ensuring personalized assistance whenever issues arise. Both the mobile app and web version support account-free swaps for added convenience and privacy, though registered users gain access to additional features and benefits. With support for diverse payment methods including bank cards, Apple Pay, Google Pay, SEPA, PIX, and various regional options, Changelly accommodates users from virtually any country.
With its extensive network of 600+ partners, global availability, and commitment to user education, Changelly stands out as a comprehensive solution for all cryptocurrency needs. Whether you're making your first crypto purchase with fiat currency, swapping between different digital assets, or exploring new blockchain projects, Changelly delivers a trustworthy, efficient platform that prioritizes user experience and security. Its combination of established credibility, innovative features, and welcoming bonuses makes it an excellent choice for both newcomers entering the crypto world and experienced traders seeking a reliable exchange partner.
Perks
- $50 welcome bonus for new mobile app users
- Supports 1,000+ cryptocurrencies across 185+ blockchains
- Zero hacks or data leaks in 10 years of operation
- Transparent 0.25% flat fee with no hidden charges
- Buy crypto with 100+ fiat currencies using 20+ payment methods
- Fiat on-ramp aggregator comparing 10+ payment providers
- 24/7 real human support, not bots
Supported cryptocurrencies
1,000+
Welcome bonus
Fast crypto swaps and easy fiat purchases with $50 welcome bonus
As one of the top crypto wallet apps in our list, the Kraken app lets users trade, stake, and manage cryptocurrencies directly from their mobile devices. It supports a wide range of digital assets, including Ethereum, Bitcoin, and numerous altcoins, making it easy to diversify and manage your portfolio on the go.
The app's interface is intuitive and easy to navigate, allowing users to manage accounts, execute trades, and explore advanced features like margin and futures trading. Users can also stake Ethereum and Kraken's native token, KRAK, earning rewards and benefits directly within the app.
Security is a priority, with two-factor authentication, encryption, and other protective measures to safeguard funds. Multi-chain support allows trading across different blockchain networks, giving users access to a broad selection of cryptocurrencies.
The app also offers tools to monitor market trends, track portfolio performance, and receive real-time notifications for trades and market activity, helping users stay informed and make timely decisions from anywhere.
What we like most is how the Kraken app combines advanced features with a clean, easy-to-use interface, making it suitable for both beginners and experienced traders. The ability to stake crypto, track your portfolio, and trade across multiple chains all from one mobile platform really sets it apart.
Pros
- ✅ Advanced security features to keep funds safe
- ✅ Access to a broad range of cryptocurrencies
- ✅ Simple and intuitive mobile interface
- ✅ Earn rewards by staking Ethereum directly in the app
Cons
- ❌ Margin and futures trading can be confusing for beginners
- ❌ Mobile interface is less customizable than desktop
- ❌ Occasional delays with less liquid tokens
- ❌ Staking options are limited to certain tokens
Supported cryptocurrencies
650+
Welcome bonus
Trade spot, stake digital assets, earn up to 8% APY via DeFi Earn, and access regulated derivatives - Kraken brings advanced crypto tools and liquidity into one platform.
• Gemini is a US-based crypto exchange with tools for both new and advanced traders. Since its founding in 2014 by Cameron and Tyler Winklevoss, Gemini has prioritized creating simple and intuitive products, innovative security practices, licensing, and compliance.
• Gemini is one of the few exchanges that is available in all 50 US States and more than 70 countries globally. Gemini offers trading features for all types of traders. Their ActiveTrader interface is a platform designed and built for traders and features multiple order types, advanced charting tools, and high speeds capable of executing trades in microseconds. Gemini also offers these advanced trading features through their mobile app, so you can trade on the go.
• Highlighting Gemini’s commitment to security, they earned and maintain both SOC 1 Type 2 and SOC 2 Type certifications, operate as a full-reserve exchange and custodian meaning all assets on platform are backed 1:1, and as a NY based company are regulated by the New York Department of Financial Services.
• Gemini does not require any account minimums, making it easy to get started investing in cryptocurrency. Gemini also offers competitive fees, 0.2% maker and 0.4% taker fees on their API fee schedule, and fees decrease as trading volume increases.
• When the referee signs up and places at least US$100 worth of trades within 30 days of signing up, both referrer and referee will receive US$75 in the cryptocurrency of their choice. There are referral tiers that allow traders to earn trading fee revenue on the referees' trades for up to 12 months.
Perks
- Simple, intuitive user interface
- Innovative security offerings
- Diverse cryptocurrency options
- Advanced trading features and charts
- Available in all 50 US states, and 70+ countries globally
Supported cryptocurrencies
90+
Welcome bonus
Earn $75 in crypto for you and your referee when they trade $100+, plus enjoy up to 12 months of referral rewards
"Bitget is an innovative cryptocurrency exchange that has carved a niche in the derivatives market. The platform is known for its user-friendly interface that caters to both novice and experienced traders. Bitget places a strong emphasis on security, employing multi-signature wallets and two-factor authentication to protect user funds. The exchange is also recognized for its competitive fee structure, particularly advantageous for those who hold and use the Bitget native token, BGB, to reduce trading costs. Uniswap (UNI) traders will appreciate Bitget’s support for a variety of UNI trading pairs, including UNI/USDT and UNI/BTC. The platform’s standout feature for UNI traders is its copy trading service, which allows users to replicate the trades of top-performing UNI traders automatically. This can be particularly beneficial for those new to trading UNI. Furthermore, Bitget offers futures trading for UNI, enabling traders to leverage their positions for potentially higher returns. The platform’s focus on innovative features makes it an appealing option for UNI traders."
Perks
- Easy-to-use platform with a focus on security.
- Copy trading feature for following top UNI traders.
- UNI/USDT and UNI/BTC trading pairs.
- Futures trading with leverage options for UNI.
- Discounted fees with BGB token usage.
Supported cryptocurrencies
600+
Welcome bonus
Offers high liquidity and a user-friendly interface for seamless trading
"Binance is arguably the most well-known cryptocurrency exchange globally, renowned for its extensive selection of cryptocurrencies and trading pairs, including a strong focus on stablecoin trading. Since its inception in 2017, Binance has become a leader in the industry, offering a platform that caters to both beginners and experienced traders. The exchange supports a wide range of stablecoins, such as USDT, BUSD, and USDC, providing users with ample options to trade with stability. Binance’s platform is packed with features that make it an excellent choice for stablecoin traders. The exchange offers some of the lowest fees in the industry, high liquidity, and a wide array of trading tools, including spot trading, futures, and staking. Additionally, Binance provides robust security measures, including SAFU (Secure Asset Fund for Users), which acts as an insurance fund to protect users in case of a security breach."
Perks
- Extensive range of stablecoins supported
- Some of the lowest trading fees in the industry
- High liquidity across stablecoin pairs
- Comprehensive trading tools including spot, futures, and staking
- Robust security measures including the SAFU insurance fund
Supported cryptocurrencies
400+
Welcome bonus
Up to $600 in Welcome Bonuses!
Libertex has earned its reputation as one of the leading platforms for trading crypto and other types of CFDs, combining cutting-edge technology with user-friendly tools designed for all traders. With a legacy dating back to 2012, it has positioned itself as a serious name in the fintech industry, offering a seamless trading experience to numerous users from the EEA Area and Switzerland. The platform’s emphasis on high volatility trading underlying assets, such as crypto and other types of CFDs, provides significant opportunities for traders aiming to trade on short- or long-term market movements. With Libertex, users can explore diverse trading options while enjoying a straightforward, smooth interface.
One of Libertex's standout features is its commitment to user security. As an authorized and regulated broker, the platform ensures that user funds and data are safeguarded with top-tier security protocols. Whether using a demo account to practice with EUR 50,000 in virtual funds or jumping into live trading, users can rest assured knowing their transactions are backed by a platform with over a decade of expertise in the market.
Libertex also appeals to traders with its extensive suite of tools and resources. From real-time exchange rate tracking to advanced charting features such as candlestick patterns and customizable time frames, the platform offers a professional-grade experience. Its proprietary technology enables users to make more informed decisions, enhancing their ability to analyze market trends and execute trades more efficiently. With options to trade crypto CFDs on both desktop and mobile applications, Libertex ensures accessibility and convenience for its diverse user base.
Another key factor driving Libertex’s popularity is its reach in the EEA Area and Switzerland and tailored services. By offering support in many languages the platform has cultivated a robust community of traders. Additionally, its emphasis on transparency and education allows users to navigate the complexities of crypto and other types of CFD trading with greater confidence. The opportunity to start trading with minimal initial deposit makes it an attractive choice for those looking to enter the market with a small first deposit.
While Libertex delivers a host of benefits, it’s essential to acknowledge the risks associated with trading financial instruments. The platform openly advises users of the potential for both profit and loss, underscoring the importance of responsible trading practices. With its combination of advanced tools, robust security measures, and a legacy of serious reputation, Libertex remains a top choice for individuals eager to explore the dynamic world of crypto and other types of CFD trading.
Risk Warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 85% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Perks
- Numerous users in the EEA Area and Switzerland
- Authorized and regulated broker
- Over a decade of fintech industry expertise
- Advanced tools and user-friendly interface for all level trading
- EUR 50,000 demo account to practice for free
Welcome bonus
Trade crypto and other types of CFDs with a regulated broker - 85% of retail investor accounts lose money
Bitpanda is a premier multi-asset investment platform that empowers users to trade cryptocurrencies, stocks, ETFs, ETCs, and precious metals in one seamless interface. Designed with both beginners and advanced traders in mind, Bitpanda combines simplicity with robust trading tools to provide a world-class investment experience. With over 3.5 million users worldwide, Bitpanda's commitment to accessibility and innovation has made it a trusted name in the digital asset space. It offers a wide variety of assets, competitive fees, and support for multiple payment methods, including bank transfers, credit cards, and e-wallets.
One of the standout features of Bitpanda is its ease of use. The platform offers an intuitive, beginner-friendly interface, while still delivering advanced options for experienced traders, including API integrations and automated savings plans. Security is a top priority for Bitpanda, as it operates under strict EU regulations and incorporates features like two-factor authentication (2FA) and secure asset storage. The platform also provides the Bitpanda Card, a Visa card that allows users to spend their digital assets anywhere Visa is accepted, making it easier than ever to integrate crypto into daily life.
Bitpanda now offers Real Stocks & ETFs, marking a major expansion of its investment offerings. Users can buy, sell, and transfer real stocks and ETFs alongside their crypto holdings, creating a truly comprehensive investment platform. The addition of traditional securities makes Bitpanda an ideal solution for investors looking to diversify across multiple asset classes without managing multiple platforms.
Bitpanda also focuses on financial education, providing users with resources to better understand trading and investing. With transparent pricing and no hidden fees, it builds trust among its users while delivering a hassle-free experience. Whether you're looking to diversify your portfolio with stocks and ETFs or trade cryptocurrencies like Bitcoin, Ethereum, and Cardano, Bitpanda offers a secure and flexible solution to meet your investment needs. As the platform continues to expand its offerings, it remains a top choice for both new and seasoned investors seeking a reliable, multi-asset trading platform.
Bitpanda Margin Trading allows users to buy and sell real crypto assets like Bitcoin or Ethereum with up to 10x leverage—unlike Bitpanda Leverage, which offers 2x daily-releveraged CFDs—featuring spot trading, variable leverage (2x, 3x, 5x, 10x), no buy fees, a 0.15% funding fee every 4 hours, a 1% sell fee, a 3% liquidation fee, stablecoin-based entry with automatic EUR stablecoin swaps at 0% fees, availability on mobile and desktop, and upcoming support for short selling and Fusion integration.
*Margin trading involves borrowing crypto assets to amplify potential gains and losses. Even small market fluctuations can lead to margin calls or automatic liquidation, potentially resulting in the loss of your entire capital. Borrowing fees accrue every 4 hours and adversely affect your margin level. Margin trading is suitable for experienced traders only. Ensure you understand the risks and can bear substantial or total financial loss. Never trade with money you cannot afford to lose.
Perks
- Buy, sell, swap and stake digital assets. With 10 EUR minimum deposit and from 1 EUR
- Now offering real stocks and ETFs alongside crypto assets
- Create a custom savings plan for any asset
- Invest in crypto index funds
- Store your assets safely via their wallet service
- Send crypto through the blockchain
- Available on iOS, Android and Web
- Largest crypto offering on EU-based broker. 500+ cryptocurrencies
- Zero deposit & withdrawal fees in all payment methods
Welcome Bonus
Trade crypto with up to 10x leverage on Bitpanda Margin - Europe's first MiCAR-licensed platform. Real assets, zero buy fees, 100+ cryptos. Desktop & mobile ready.
Multi-Asset Platform
Trade and invest in cryptocurrencies, stocks, ETFs, ETCs, and commodities all in one place.
Easy-to-use
Bitpanda is an easy-to-use, retail focused broker service for buying and selling digital assets and traditional securities.
Payment Options
Supports payments via bank transfer, credit cards, and popular payment methods like Skrill and Neteller.
Follows EU laws
The Bitpanda Group diligently follows European laws and regulations. Owning VASP registrations, as well as MiFID II, E-Money and PSD II licences amongst all our core markets.
Bitpanda Card
Spend your assets like cash with the Bitpanda Visa card.
Welcome bonus
Trade crypto with up to 10x leverage on Bitpanda Margin - Europe's first MiCAR-licensed platform. Real assets, zero buy fees, 100+ cryptos. Desktop & mobile ready.