If you’ve started investing in crypto, you already know how quickly fees can eat into your profits. From trading commissions to withdrawal fees, the costs of staying active in the market can quietly add up. Over time, those small charges can take a big bite out of your returns.
So in today’s post, I’m going to share with you 5 insane crypto investing apps with the lowest fees tools that let you trade smarter, keep more of your profits, and still enjoy powerful features without the extra costs.
1. Binance
Binance is the largest cryptocurrency exchange in the world in terms of trading volume and was established in 2017 with its headquarters in Singapore. It has a reputation of a broad range of tokens, sophisticated trading platforms and, most significantly to investors, a stable fee system that incentivizes high trading.
| Feature | What It Means for You |
| Ultra-Low Trading Fees | Standard spot trading fees begin at 0.1% per trade (maker) and 0.1% (taker). When you own BNB (the native token of Binance), the fee is reduced by an additional 25%, meaning you pay only 0.075%. |
| High Liquidity | Binance trades billions of dollars in volume daily, with tight spreads and low slippage on popular coins like BTC, ETH, and most altcoins. |
| Wide Asset Selection | 500+ tokens available, plus futures, options, and even DeFi derivatives. |
| Advanced Trading Tools | Sub-1-second price feeds, customizable charts (via TradingView), and algorithmic trading options. |
| Mobile-First Design | User-friendly app with instant deposits, real-time notifications, and one-tap swaps for quick trades. |
| Security | Two-factor authentication, biometric login, and cold-wallet storage for most funds. |
| Rewards & Promotions | Earn BNB by staking or join launchpads for early access to new projects. |
For the Active Trader & the Long‑Term Holder:
Active Traders benefit from Binance’s tiered fee schedule, which is volume-based; the more you trade daily or weekly, the more your fees are reduced significantly.
Long-Term Holders can stake their BNB or other tokens with the Earn feature to gain passive interest, while keeping their assets on a platform that does not charge holding fees.
If you are a high-frequency trader, enable BNB Discount and VIP options. The deeper your trading volume, the more you save — up to 0.04% per trade on the largest volumes.
2. Coinbase
Coinbase is among the most well-known crypto companies, particularly in the U.S., and was established in 2012 in San Francisco. It is the first place where new users go due to its convenient interface and adherence to the regulations. Its fee structure is a bit more expensive than that of Binance, but Coinbase has a more transparent structure and good customer service.
| Feature | What It Means for You |
| Trading Fees | Coinbase charges a flat fee of $0.99 plus 1.49% on most purchases. Coinbase Pro (formerly GDAX) has lower fees: 0.5% for both maker and taker, dropping to 0.25% with higher trading volumes. |
| Regulated & Insured | 100% of digital assets are stored in cold storage and insured by a trusted insurance company. |
| Simplified Onboarding | Quick identity verification, bank transfers, and ACH deposits for easy account setup. |
| Prime Mobile App | Trade seamlessly, track your portfolio, and receive instant price alerts. |
| Earn Program | Learn about new projects and earn free crypto by completing short educational modules. |
| Recurring Purchases | Set up auto-investments weekly or monthly — great for dollar-cost averaging. |
| Global Availability | Available in 100+ countries, but some features (like crypto purchases) are U.S.-only. |
For the Beginner & the U.S. Investor:
Coinbase has the most convenient deposits and simple purchasing opportunities, which is why it is the place to start. The educational resources in the platform can also assist you in learning before spending huge amounts.
– U.S. Investors: Due to its adherence to the SEC regulations and high-level KYC processes, Coinbase is a risk-free choice when it comes to a hassle-free, legally legitimate experience.
When you are planning to trade more than once a month, upgrade to Coinbase Pro. The reduced fee plan and enhanced charting features make it a potent upgrade without losing the easy-to-use experience that you enjoy.
3. Crypto.com
Crypto.Com is the Swiss-army knife of crypto. It was launched in 2016 and has since evolved into a payment-card company into a full-fledged financial powerhouse, with wallet, exchange, lending, staking, and even a crypto-backed Visa card.
What sets it apart? A fee system that is aggressive and incentivizes loyal users to receive free withdrawals, no spreads on some pairs and a tiered Crypto Earn interest program.
| What You Get | Why It Matters |
| Zero Spread on Spot Trades | Fees as low as 0.04% for top-tier users — meaning you keep more of your profits. |
| Crypto Earn | Earn up to 12% APY on USDC, DAI, USDT, and other stablecoins with no lock-up. |
| Crypto Card | Spend crypto anywhere Visa is accepted and get up to 5% back — real-world utility with no extra fees. |
| Staking & Rewards | Stake popular coins like CRO and LINK for 2–4% returns — simple way to diversify income. |
| Wide Asset Selection | 200+ coins available, plus advanced charting, margin trading, and futures — an all-in-one hub for traders. |
Fee Breakdown
| Transaction | Base Fee | Extra Fees | Typical Costs |
| Spot Trades | 0.04% (Tier 1) → -0.01% (Tier 4) | 0.00% | $4–$1 per $10,000 trade |
| Crypto Card Payments | 0% | Free | None |
| Crypto Earn Withdrawals | $0 | None | Free |
| Staking | 0% | None | Free |
| Transfer to External Wallet | $0.0005 BTC (≈$0.40) | None | Negligible |
Crypto.Com fee structure will allow you to retain nearly all of your gains in case you are a regular trader or a staking enthusiast.
Who should use Crypto.com?
- Active Traders who want low spreads and high liquidity.
- Earners that desire to earn passive income without locking funds.
- Cardholders seeking a crypto-backed debit card to use in their daily spending.
- All-in-one users who desire to have one application to trade, stake, and spend.
4. BlockFi
BlockFi is a more recent player, which targets the FinTech-for-Crypto niche. Rather than a full-scale exchange, BlockFi provides crypto-backed loans, interest-earning accounts, and an easy trading platform.
Their standout proposition? Lowest trading charges and high deposit interest rates- ideal when one wants to do a lot with less.
Features:
| What You Get | Why It Matters |
| Crypto-Backed Loans | Borrow up to 50% of your crypto value — get liquidity without selling your assets. |
| Interest Rates | 4.95% APR on BTC, 4% on ETH, and up to 8% on stablecoins — earn passive income or borrow at competitive rates. |
| Trading Options | Simple buy/sell features plus access to futures and options — covers both beginners and advanced traders. |
| Security & Compliance | 98% of funds held in cold storage, full audit trails, and strong protection. Based in the U.S. and AML-compliant. |
Fee Breakdown
| Transaction | Base Fee | Extra Fees | Typical Costs |
| Spot Trades | 0.5% (Standard) → 0.25% (Premium) | None | $50–$25 per $10,000 trade |
| Crypto-Backed Loans | 0.5% loan fee (one-time) | 0% | $5 per $1,000 borrowed |
| Withdrawal | $0 | None | Free |
| Staking / Credit Card Rewards | Free | 0% | None |
BlockFi is a kingmaker to income-driven investors due to its low base fee (particularly among premium users) and high interest rates.
Who will use BlockFi?
- Yield-Hunters seeking to get high APYs on holdings.
- Leverage Seekers that require a loan without selling crypto.
- Low‑Fee Traders who value simplicity over exotic features.
- Regulated-Aware clients seeking a U.S.-based platform.
5. Nexo
Nexo is a financial technology app that allows you to earn passive income on your crypto assets, borrow against them, and trade in the app itself with an exceptionally low fee structure. The combination of instant crypto loans and high-yield accounts is what makes the app a standout among investors who wish to retain more of their profits.
Features
|
| Feature | Details |
| Earn Interest | Daily interest on coins like BTC, ETH, USDC, and more. APR ranges from 0.5% to 18% depending on the asset and your loyalty level. |
| Instant Crypto Loans | Borrow up to 50% of your crypto collateral in fiat or stablecoins. No origination fees, interest rates start at 4.5%, and no pre-payment penalties. |
| Zero Trading Fees | Spot trading in the app is commission-free with spreads under 0.1%. |
| Nexo Vault | Assets are split between hot wallets (for liquidity) and cold storage (for security). |
| Rewards | Earn NEXO Tokens by holding or borrowing; redeem to lower loan rates or boost interest earnings. |
| Automatic Reinvestment | Interest earned is automatically reinvested in the same asset or another of your choice. |
| Mobile-First UI | Clean dashboard, real-time market data, and instant loan applications directly in the app. |
Who is Best For:
- Yield-seeking holders who prefer to have their crypto idly sitting but still earn passive income.
- Borrowers who require low-cost, fast fiat liquidity without asset sales; ideal in short-term cash flow or buying on margin.
- Safety-minded users, who would like a combination of hot and cold storage and a centralised platform with high compliance.