Beginner On-Ramps
Apps and brokers built for a first purchase. The cost is rarely in the headline fee, so these reviews dig into spreads, payment-method surcharges and whether you can move coins off the platform at all.
Current pick: Bitpanda7.5/10
01European buyers who want a licensed local providerBitpanda
7.5/10Bitpanda is what a European retail crypto broker should look like: regulated, boring, and priced at about 1.49% for the convenience. The cheaper product is on the same site, and almost nobody finds it.
~1.49% spread on the broker, far lower on Pro
02US investors holding crypto alongside equitiesRobinhood Crypto
7.2/10Robinhood charges no commission on crypto. That is true, and it is not the same as free — the revenue arrives through order routing, and it shows up in the price you get rather than on your statement.
No commission; cost is in the spread
03Social trading across crypto and equitieseToro
6.7/10eToro's fee is simple and simply expensive: 1% to buy, 1% to sell. Everything else about the platform — the regulation, the polish, the social layer — is downstream of whether you accept that number.
1% buy and 1% sell on crypto, plus spread
04One-off card purchases inside a wallet appMoonPay
6.3/10MoonPay is not an exchange and should not be compared with one. It is a payment rail that converts a card into a token at the point of need, and it charges payment-rail prices for it.
~4.5% by card, ~1% by bank transfer