Buy Bitcoin at the Lowest Cost

The Lowest Cost Way to Buy Bitcoin

Every basis point you pay in fees is Bitcoin you don't own. Over a 10-year accumulation horizon, the difference between a 0.1% fee and a 1.5% fee is staggering.

Onramp offers the lowest-cost Bitcoin purchasing available:

• No hidden spreads: The price you see is the price you pay
• Transparent fee structure: Know exactly what you're paying before you buy
• No markup games: Some exchanges advertise "zero fees" but add 1-2% to the spread. Onramp doesn't.

Automatic Dollar-Cost Averaging

The best Bitcoin strategy is also the simplest: buy consistently over time. Dollar-cost averaging (DCA) removes emotion from the equation and capitalizes on Bitcoin's long-term trajectory.

Set up automatic purchases on Onramp:

• Daily — maximize time in market
• Weekly — align with payday
• Monthly — set and forget

As Parker Lewis argues in Gradually, Then Suddenly: Bitcoin is not too expensive, and it's not too late. The question is whether you're accumulating or not. DCA makes accumulation automatic.

Why Fees Matter More Than You Think

Assume you invest $500/month into Bitcoin for 10 years:

Platform | Fee | Total Fees Paid (10yr) | Bitcoin Lost to Fees

Coinbase | 1.49% | $8,940 | Significant

Cash App | ~2.2% spread | $13,200 | Very significant

Swan | ~0.99% | $5,940 | Moderate

River | ~0.75% | $4,500 | Moderate

**Onramp** | **Lowest available** | **Minimal** | **Minimal**

Over a decade, high fees cost you tens of thousands of dollars in Bitcoin. That's Bitcoin that would have appreciated alongside the rest of your holdings.

Instant MIC Security

When you buy Bitcoin on Onramp, it's immediately secured by Multi-Institution Custody. No manual transfer to a hardware wallet. No waiting for confirmations to move to a separate custody solution. Your Bitcoin is distributed across BitGo, Coinbase, and Anchor Watch from the moment of purchase.

This is unique to Onramp. On every other platform, you either:

1. Leave Bitcoin on the exchange (single-custodian risk)
2. Transfer to a hardware wallet yourself (complexity, potential for error)
3. Transfer to a separate custody provider (additional fees, additional counterparty)

Onramp's buying and custody are integrated. Buy → secured. That simple.

Payment Methods

• ACH bank transfer — lowest cost, 1-3 business day settlement
• Wire transfer — same-day settlement for larger purchases
• Recurring purchases — automatic DCA from your bank account

Part of the Complete Platform

Buying Bitcoin on Onramp is just the beginning:

• Earn 5% on your cash while you accumulate
• Bitcoin IRA — buy inside a tax-advantaged account
• Rewards Card — earn 1.5% Bitcoin back on spending
• Borrow — access liquidity without selling
• Custody — $1B+ secured by Multi-Institution Custody

Getting Started

1. Open your Onramp account
2. Connect your bank account
3. Set your DCA schedule
4. Bitcoin is purchased and secured by MIC automatically

Start accumulating. The best time to start was yesterday. The second best time is now.

Frequently Asked Questions

What is the cheapest way to buy Bitcoin?

Onramp offers the lowest-cost Bitcoin purchasing with transparent pricing and no hidden spreads. Unlike exchanges that advertise zero fees but mark up the spread by 1-2%, Onramp provides honest, transparent pricing.

Does Onramp support automatic Bitcoin purchases?

Yes. Onramp supports automatic dollar-cost averaging (DCA) with daily, weekly, or monthly purchase schedules. Purchases are automatically secured by Multi-Institution Custody — no manual transfers needed.

How does buying on Onramp compare to Coinbase?

Coinbase charges 1.49% per trade plus spread markup. Onramp offers significantly lower fees with transparent pricing. Additionally, Bitcoin purchased on Onramp is immediately secured by Multi-Institution Custody across three custodians, while Coinbase is a single custodian.

What payment methods does Onramp accept?

Onramp accepts ACH bank transfers, wire transfers, and recurring bank account debits for automatic DCA purchases. ACH settles in 1-3 business days; wire transfers settle same-day.

Is my Bitcoin safe after purchasing on Onramp?

Yes. Bitcoin purchased on Onramp is immediately secured by Multi-Institution Custody, distributing private keys across BitGo, Coinbase, and Anchor Watch. No manual transfers needed — your Bitcoin is protected from the moment of purchase.