Top crypto wallets compared

About Top crypto wallets compared

Crypto wallets fall into very different camps, and the choice comes down to who holds your keys. A custodial wallet keeps them for you, which is easy to set up but ties your money to the security of a single provider. A self-custody wallet puts the keys on your own device and leaves the responsibility with you. In this ranking, 56.6% of the wallets are custodial and 43.4% are self-custody, so that trade-off shapes the list more than price does. This ranking covers 252 crypto wallets, scored on cost, on the offer each one makes, and on trust. Cost counts for 35% of the score, the offer for 25%, and trust for 40%. Most entries are mobile apps, opening fees are usually nil, and support ranges from a phone line down to a single email route. Read the custody line first, then the support line, and the wallet that fits how you hold money usually stands out on its own.

How we picked

Every wallet in this ranking is scored on the same weights. Trust carries the most at 40%, because who holds your keys decides how exposed your money is. Cost follows at 35%, and the offer, meaning the coins, features and support you get, at 25%. The underlying data comes from each provider's own pages: wallet type, custody model, coin counts, prices, backup methods, connectivity, secure element ratings, legal entities, headquarters and support channels. Legal entities and headquarters were cross-checked against the European register of crypto asset service providers, and open-source status is taken as the provider states it. Partner wallets are listed first, so the commercial relationship is disclosed rather than buried. Score order decides everything after that, which means a non-partner wallet can sit anywhere on the list, and here CoinStats, MoonPay and ether.fi appear below the partner entries. Where a brand appears again, each entry is scored on its own facts, so Bit2Me can rank differently on support and features. The ranges behind the list, such as coin counts running from 1 to 8,000,000, show how wide this market is.

Our top picks

1. 3. bunq Crypto Spain

   bunq Crypto Spain sits in this ranking as the staking option for readers who bank digitally. The wallet is free, runs as a mobile app, and custodial and staking pairs custody with staking, so coins left idle can earn something. The business has traded since 2012 under bunq B.V. Support runs on chat and email, which covers chat and email. As with the other custodial entries, custodial means the provider holds the keys, so trust in the company carries more weight here than it would with a self-custody wallet. CoinStats, ranked next, is the opposite, a self-custody software wallet with a far longer coin list and chat-only support.

   • Taker fee: 0.25% to 1.99%
   • Coins listed: from 350
   • Maker fee: 0.25% to 1.99%

   Pros

   • Taker and maker fees both run 0.25% to 1.99% on trading
   • The coin list runs to from 350 assets
   • The service costs €0 to use
   • Staking and custody sit in custodial and staking

   Cons

   • Coin custody is custodial, so the platform holds the assets
   • Support covers chat and email only
   • Fees sit above the 0.25% site median

2. 6. Bitpanda

   Bitpanda earns its place in this ranking with a broad, app-based offer aimed at European readers. crypto, fractional shares and mobile app lists crypto, fractional shares, a mobile app and a demo account, and 650 coins sit behind them. The company has traded since 2014 as Bitpanda GmbH, headquartered in AT. Note what that means for your money: custodial describes a custodial wallet, so the provider holds the keys and the balance depends on its security. Support runs on help centre only. Bit2Me, ranked next, is custodial as well, but adds staking and a phone line to its support desk.

   • Minimum deposit: €1
   • Stock trade fee: €1
   • Markets: Stocks, ETFs, Crypto, and 1 more

   Pros

   • You can start with €1, so a small amount opens the account and the entry point sits well inside the field.
   • Stock trades cost €1 a share, a flat price you can work out before you deal.
   • Deposits cost Free deposits, so moving money in does not eat into your first investment.
   • Cash on the account pays 1% cashback on crypto asset spending, which softens the cost of spending while you hold crypto.
   • Regulated by FMA (Austria), BaFin (Germany) and Austrian Financial Market Authority (FMA).

   Cons

   • Investor protection stops at EU ICS up to EUR 20,000, so a large portfolio can sit above the cap.
   • Support runs on help centre only, so a question that needs a person has no listed route.
   • The crypto side alone lists from 650 coins against a field median of 71.5, and custodial custody means the keys are not yours.
   • Metals, where spreads are usually wide, are a smaller slice of the field at 10.3%.

3. 8. Trezor

   Trezor takes the hardware slot in this ranking, and its keys never sit on a phone screen. self custody keeps them on the device, seed and shamir sets out the restore options, and the chip inside is rated EAL6+. Trezor is open source, so the code that signs transactions can be inspected by anyone. 8,000 runs well past the 50 median for wallets here, and it connects over USB-C. You pay $79 for the device up front, and support runs on help centre only. Bitpanda, ranked next, is a custodial app that offers fractional shares and a demo account instead.

   • Wallet type: Hardware
   • Price: $79
   • Custody: Self custody

   Pros

   • Custody is self custody, where eToro, VaultLeap and Bitpanda are mobile, mobile and mobile wallets run from a phone.
   • Firmware is open source, so the code running on the device can be read by anyone rather than taken on trust.
   • The secure element carries EAL6+ certification.
   • Coins supported run to 8,000, and backup options are seed and shamir.

   Cons

   • On price, Trezor ranks 104 of 121, so the $79 outlay is heavier than most options on the list.
   • Support runs on help centre only, so a stuck set-up has no live chat or phone line to fall back on.
   • Connectivity is usb c alone, so a phone-only routine means carrying a cable rather than tapping the device.
   • Custody is self custody, so a misplaced seed and shamir recovery phrase costs the balance with nobody able to restore it.

What to look for

Custody before anything else

Settle who holds the keys before you compare anything else. In this ranking 56.6% of the wallets are custodial and 43.4% are self-custody, so with a custodial entry your money depends on the provider's security rather than on your own backup.

What it costs to get started

Check what it costs to open an account. Most wallets here charge nothing, with a median price of €0 across the ranking. The tail matters too, since €21,924.06 marks the hardware end of the market, where a device is bought outright.

Help when something goes wrong

Read the support mix before you deposit anything. 87.8% of the wallets here run a help centre and 20% offer a phone line, while 43.9% rely on a community forum. A stuck withdrawal is when this matters.

Coin coverage worth having

Match coin coverage to what you plan to hold. The median wallet in this ranking covers 50 coins and the top of the range is 8,000,000, so a long list is common but not always the list you actually need.

Proof of reserves on custodial wallets

For a custodial wallet, published reserves are the closest thing to reassurance. 76.2% of the wallets in this ranking publish them and 23.8% do not, which is a fair question to put to any provider that holds your coins.

How you sign each payment

Know how you will sign. Most wallets in this ranking are apps, with 67.8% mobile, 17.1% software and 9.5% hardware devices. A device keeps keys off your phone, at the cost of a purchase.

Frequently asked questions

Top crypto wallets compared by country

• Australia
• Austria
• Brazil
• Canada
• China
• France
• Germany
• India
• Italy
• Japan
• Mexico
• South Korea
• Spain
• United Kingdom
• United States

Providers compared head to head

• COCA Card vs Nexo

The data behind this ranking

All data and the CSV