€100 worth of Bitcoin per month since January: which platform cost the least?
Investing a fixed amount each month in Bitcoin is one of the simplest methods to smooth out your purchase price. You still need to know what the platform charges for each payment. With the different fees applied, the…
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https://cryptoast.fr/100-e-de-bitcoin-par-mois-depuis-africain-quelle-plateforme-a-coute-le-moins-cher/
This article is presented to you in commercial collaboration with Finst (learn more)
Without any fees, 10 purchases of €100 made on the 1st of each month from January to October 2026 would have accumulated 0.01602 BTC, or €1,146.38 as of October 27 (+14.6%). Here's what's left after costs are deducted.
With the Finst platform, the investor paid €1.60 in fees over the year to buy €1,000 of Bitcoin, and his portfolio shows a performance of 14.45%, almost identical to the no-fee scenario. The majority of other platforms cost between €10 and €15, representing a performance of around 13%.
The clearest gap concerns Coinbase. On a purchase of €100, the fixed costs of €2.99 alone weigh almost 3%, to which is added the spread. Result: €34.75 in fees and a performance of 10.65%, or 4 points less than the market.
These amounts may seem modest over a single year, but they are proportional to the sums invested: at €500 per month, the gap between Finst and the majority of the panel exceeds €40 per year, and it accumulates from year to year on a DCA over the long term.
The scenario is that of a saver who programs an automatic purchase of Bitcoin, without placing an order manually. It is therefore the DCA mode of each platform (recurring purchase, savings plan or auto-invest) which was retained. This panel is not exhaustive: it brings together the platforms most used by French investors.
All the platforms in the panel accept SEPA transfers free of charge, which explains the choice of this scenario. The bank card, however, changes the situation. Here are the fees applied in addition to a purchase of BTC by bank card:
For a DCA, the most economical method therefore remains a permanent transfer from your bank, scheduled a few days before the purchase date. Please note, most recurring plans draw on the account's euro balance: if it is empty on the day, the purchase fails. Finst accepts instant SEPA transfers without fees, eliminating the need to wait several days for funds to arrive.
Most platforms can apply a spread, that is to say a difference between the displayed price and the market price. Some encrypt it (OKX, Bybit EU, Bitstack), others not (Kraken, Bitpanda). The good reflex is to compare the reference price of Bitcoin on CoinGecko or CoinMarketCap and the price displayed by the platform when placing the order.
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