Strike vs Swan

Q: Are recurring buys free on both?

Strike lists free recurring buys. Swan supports recurring buys with fees after the initial free threshold (first $10,000).

Q: Which supports more countries?

Strike. Our data lists Strike with worldwide availability, while Swan is U.S.-focused.

Updated: January 2026

Quick take

Strike focuses more on self-custody and offers to live fully on Bitcoin. Swan is more focused on long-term investing while offering education and IRA products. Compare KYC posture, recurring features, Lightning usage, and app vs desktop needs.

Strike vs Swan — full comparison (Buy Bitcoin)
Platform	Bitcoin App Exchange
Features	Live on bitcoin with Bill Pay Recurring bitcoin buys with fee waivers Bitcoin-backed loans ACH deposits must clear before withdrawals First $10.000 no fees Education focused Bitcoin retirement products US only Fees on recurring buys KYC required
Fees Processing fees	Based on monthly trading volume < $250: 0.99% $250 - $2,000: 0.95% $2,000 - $5,000: 0.89% $5,000 - $50,000: 0.79% $50,000 - $500,000: 0.69% $500,000 - $5,000,000: 0.59% $5,000,000 - $15,000,000: 0.49% $15,000,000+: 0.39% Zero-fee onboarding on the first $10,000 in lifetime buys, 1% after that, plus optional custody programs billed separately. up to $10,000: 0% $10,000 and up: 0.99%
DCA (Dollar Cost Averaging)	Yes: Recurring orders are free Yes: but with fees after the first $10.000
Payment Methods	Bank Transfer, Debit Card, Wire Transfer Bank Transfer, Wire Transfer, Bitcoin Transfer
Custody & Control	Custodial Custodial
KYC Required	Yes (government ID required) Yes
Open Source	No No
User Experience	N/A N/A
Interface	Mobile only Mobile & Desktop
App Ratings	iOS: 4.8 Android: 4.5 iOS: 4.8 Android: 4.6
Profile Founder(s)	Jack Mallers Cory Klippsten
Company description	Strike is a custodial bitcoin app focused on fast buys and cash like payments. The mobile interface puts bank, card, and direct deposit funding beside instant Lightning withdrawals, so you can move fr... Strike is a custodial bitcoin app focused on fast buys and cash like payments. The mobile interface puts bank, card, and direct deposit funding beside instant Lightning withdrawals, so you can move from fiat to bitcoin and back with minimal steps. Strike is a custodial bitcoin app focused on fast buys and cash like payments. The mobile interface puts bank, card, and direct deposit funding beside instant Lightning withdrawals, so you can move from fiat to bitcoin and back with minimal steps. Funding options cover fee-free ACH, debit cards with a small processor fee, and same day wires. ACH deposits trade instantly yet stay pending for roughly five business days before you can withdraw, while wires settle in about one business day and debit card purchases clear immediately. Recurring purchases waive the Strike fee after the first cycle, and optional auto-withdrawals move your balance to self custody once it reaches the threshold you set. Customer prompts inside the app highlight fee tiers, settlement speed, and the 12 hour cancel window Strike gives you before broadcasting auto-withdrawals. Swan Bitcoin, launched by Cory Klippsten and based in California, is a platform focused on making it easy for beginners to buy and save Bitcoin. Swan Bitcoin, launched by Cory Klippsten and based in California, is a platform focused on making it easy for beginners to buy and save Bitcoin. Swan Bitcoin, launched by Cory Klippsten and based in California, is a platform focused on making it easy for beginners to buy and save Bitcoin. What makes Swan distinct is its focus on self-custody support and education. It automatically withdraws BTC weekly to your own address and provides guides for self-custody, while also offering Swan Guard with fraud protection and identity verification tools. Swan prioritizes teaching users about Bitcoin's value for financial freedom. Swan also targets long-term savers by offering IRA products making Bitcoin tax-advantaged retirement savings easier. Swan offers zero-fee purchases on the first $10,000, a low 0.99% fee for recurring buys, and free withdrawals to personal wallets, encouraging self-custody. Its app is praised for its clean design and simple setup. However, some users report slow customer support and issues with account restrictions. Its vision is to onboard 10 million Bitcoin users by promoting Bitcoin as better money for a decentralized future.
Founded in	2020 2019
Website	strike.me swanbitcoin.com
Availability	Available globally Available in United States

FAQs

Which is better, Strike or Swan?

Strike focuses more on self-custody and offers to live fully on Bitcoin. Swan is more focused on long-term investing while offering education and IRA products.

Are recurring buys free on both?

Strike lists free recurring buys. Swan supports recurring buys with fees after the initial free threshold (first $10,000).

Which supports more countries?

Strike. Our data lists Strike with worldwide availability, while Swan is U.S.-focused.