Crypto Recurring Buy: Exchanges with Savings Plans

What a crypto recurring buy costs

Recurring purchases are often priced like the simple buy screen, which can be more expensive than an order on the trading screen.

From the providers' own fee pages, checked 24 October 2026; spreads or card fees may apply on top.

A 1% fee on every monthly purchase means 1% of everything you invest goes to costs, and a 2–3% fee means two to three times that.

Crypto recurring buy calculator

Setting up a crypto recurring buy safely

1. Set the amount from your budget: with the investing budget calculator.
2. Fund by SEPA: card-funded recurring buys usually cost more.
3. Choose the frequency: monthly often fits pay cycles and limits fixed fees.
4. Check the fee per purchase on the provider's fee page.
5. Review once a year: keep crypto's share of savings at your target.

What a crypto recurring buy does not do

Regular buying spreads your purchases over time, but it does not prevent losses if prices keep falling.

The guide to dollar-cost averaging explains its strengths and limits.

Crypto recurring buy: cost over a year

Example: €100 a month for twelve months at different fees per purchase.

Illustrative; spreads and card fees would add to these figures.

Over ten years of the same plan, the gap between 0.4% and 3% grows to more than €300 in fees alone.

Crypto recurring buy: funding options

Crypto recurring buy: managing the plan

• Set the purchase date shortly after payday.
• Use a standing order from your bank to top up the exchange balance.
• Check once a quarter that purchases ran and fees were as expected.
• Pause the plan when crypto reaches your target share of savings.

Crypto recurring buy and taxes

Each recurring purchase creates a separate lot with its own price, which matters when you later sell in countries that tax gains.

Downloading the transaction history once a year keeps the records manageable, as the guide to DAC8 reporting explains.

Crypto recurring buy: questions before you start

1. Is the monthly amount truly spare? Use the budget calculator.
2. What is the fee per purchase? Check the provider's fee page.
3. Can you withdraw coins later? Check before you start, especially in broker apps.
4. When will you stop? Decide a maximum share of savings in advance.

Crypto recurring buy: providers that state they offer it

Among the providers reviewed on this site, the following state on their own websites that recurring or scheduled purchases are available.

Checked on each provider's own website on 24 October 2026; other providers may also offer recurring buys that have not yet been verified.

The cost of each scheduled purchase depends on the screen and payment method the plan uses, so check the fee page as well.

Crypto recurring buy: a three-year example

Example: €50 every month for three years, 36 purchases and €1,800 in total.

Example fee models only, before spreads; enter your provider's fees in the calculator above.

With small monthly amounts, a fixed fee per purchase can cost more than a percentage fee, which is worth checking before choosing a plan.

Crypto recurring buy compared with buying by hand

Some people set a recurring transfer of euros to the exchange and then buy by hand on a cheaper screen, which combines discipline with lower costs.

Crypto recurring buy: when money is tight

A recurring buy keeps running whatever happens in your life.

If income falls or a large expense appears, pause the plan straight away rather than letting it draw on money you need.

A card-funded plan that runs on an empty account can lead to overdraft or card charges, so check how your provider handles a failed payment.

Crypto recurring buy: questions readers ask

Can I change the amount later? Most providers let you edit or cancel a plan in the app at any time.

Does a recurring buy guarantee a good average price? No; it spreads purchases over time, but the average can still be above the current price if prices fall.

Should I keep the coins on the exchange? That depends on the amount and your experience, which the crypto wallet finder helps you think through.

Crypto recurring buy: a yearly check

• Is the monthly amount still affordable after this year's changes in income and costs?
• Has the provider changed its fees for recurring purchases?
• Has your crypto share grown past your limit, checked with the portfolio share calculator?
• Are the coins being bought still the ones in your plan?

Answering these once a year keeps a crypto recurring buy in line with your situation instead of running on autopilot forever.

Crypto recurring buy: keeping records

Each scheduled purchase is a separate transaction for tax purposes in many countries.

Download the transaction history at least once a year, so the purchase cost of every coin bought through the plan can be shown later.

Store them safely.

Frequently asked questions

Written and fact-checked by

CoinTrustRadar.com editorial team

Every figure on this page is checked against the ESMA register, the exchange's own terms and fee pages or another primary source, and the sources are listed above. Editorial policy · How we rate