Pocket vs Swan

Updated: October 2025

Quick take

Pocket supports non‑custodial recurring transfers sent directly to your address with minimal setup. Swan fits a savings‑oriented custodial platform with recurring buys and education. Compare custody model, KYC posture, recurring features, and preferred interface.

Pocket vs Swan — full comparison (Buy Bitcoin)
Platform	P2P Exchange
Features	Non-custodial Bitcoin will automatically be sent to your wallet KYC-light EU only Bitcoin is purchased through Kraken First $10.000 no fees Education focused Bitcoin retirement products US only Fees on recurring buys KYC required
Fees Processing fees	1.5% up to $10,000: 0% $10,000 and up: 0.99%
DCA (Dollar Cost Averaging)	Yes Yes: but with fees after the first $10.000
Payment Methods	SEPA, Bank Transfer Bank Transfer, Wire Transfer
Custody & Control	Non-custodial Custodial
KYC Required	Yes, but only for purchases over €1.000 Yes
Open Source	No No
User Experience	0.0 out of 5 rate (0) 0.0 out of 5 rate (0)
Interface	Mobile only Mobile & Desktop
App Ratings	iOS: 4.2 Android: ? iOS: 4.8 Android: 4.6
Profile Founder(s)	David Knezic Cory Klippsten
Company description	Pocket Bitcoin stands out with its non-custodial model, sending Bitcoin directly to your wallet without holding funds, and a no-account, KYC-light approach for daily buys up to €1,000 \| 0.01 BTC \| 0.0... Pocket Bitcoin stands out with its non-custodial model, sending Bitcoin directly to your wallet without holding funds, and a no-account, KYC-light approach for daily buys up to €1,000 \| 0.01 BTC \| 0.01 BTC, prioritizing privacy. It offers one-off or recurring buys via bank transfer, with a 1.5% fee and no withdrawal fees, supporting select hardware wallets like Trezor and Ledger with message signing. Pocket Bitcoin stands out with its non-custodial model, sending Bitcoin directly to your wallet without holding funds, and a no-account, KYC-light approach for daily buys up to €1,000 \| 0.01 BTC \| 0.01 BTC, prioritizing privacy. It offers one-off or recurring buys via bank transfer, with a 1.5% fee and no withdrawal fees, supporting select hardware wallets like Trezor and Ledger with message signing. Pocket's mission is to make Bitcoin ownership frictionless and private, promoting self-custody without complexity and with a vision to expand to a dozen more European countries and enhance wallet integrations. The mobile app, and the web portal for managing orders and wallet settings, are praised for their simple interface and fast transactions, but some find the fees slightly high. 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	pocketbitcoin.com swanbitcoin.com
Availability	Available in Europe Available in United States

FAQs

Does Swan offer IRAs?

Yes. Swan offers Bitcoin IRA products for U.S. users.

Can Pocket auto-withdraw to my wallet?

Yes. Pocket is non-custodial and delivers each purchase directly to your own wallet.

Which supports bank cards?

Neither Pocket nor Swan support bank cards for purchases or opening an account.