In today’s fast-evolving digital economy, mobile apps have become the go-to solution for managing personal finance — especially when it comes to investing in cryptocurrencies. With a growing number of platforms offering seamless crypto trading experiences, choosing the best app to buy crypto in the USA can feel overwhelming. Whether you're a beginner taking your first step into digital assets or an experienced trader looking for advanced features, this guide breaks down the top five apps that stand out in 2023 based on security, user experience, asset variety, fees, and customer support.
These apps are not only easy to use but also compliant with U.S. financial regulations, ensuring your investments are protected. We’ve evaluated each platform using real-world usability, transaction speed, educational resources, and overall value to help you make an informed decision.
👉 Discover how easy it is to start buying crypto with a trusted global platform.
What Makes a Crypto App Great?
Before diving into the list, it's important to understand what criteria matter most when selecting a crypto app:
- Security: Look for two-factor authentication (2FA), biometric login, cold storage of funds, and regulatory compliance.
- Ease of Use: A clean interface helps both beginners and pros navigate trading efficiently.
- Available Cryptocurrencies: The more coins supported, the better your diversification options.
- Fees: Low trading and withdrawal fees increase long-term profitability.
- Funding Options: Support for bank transfers, debit cards, and digital wallets improves accessibility.
- Educational Tools: Especially valuable for new users learning the ropes.
Now let’s explore the top five apps reshaping how Americans buy crypto in 2023.
1. Gemini – Trusted & Regulated Exchange
Gemini has built a strong reputation as one of the most secure and compliant crypto exchanges in the United States. Founded by the Winklevoss twins, it’s regulated by the New York State Department of Financial Services (NYDFS), giving users peace of mind.
The Gemini mobile app offers a sleek, intuitive design that makes buying Bitcoin, Ethereum, USDT, and over 100 other cryptocurrencies straightforward. You can link your bank account or use a debit/credit card for instant purchases. One standout feature is price alerts, which notify you when your chosen cryptocurrency hits a specific price point.
Additionally, Gemini Earn allows users to earn interest on certain holdings — though terms may vary based on market conditions. The app also includes real-time market data tracking and portfolio performance insights.
With high ratings across both Google Play and Apple App Store, Gemini remains a top choice for safety-conscious investors.
2. Coinbase – Beginner-Friendly Powerhouse
Coinbase continues to dominate the U.S. market as one of the easiest platforms for newcomers. Its mobile app mirrors the simplicity of its website while packing powerful tools for more advanced traders through Coinbase Advanced Trade.
You can buy, sell, send, and swap more than 200 cryptocurrencies directly from your phone. The platform supports recurring buys (dollar-cost averaging), ideal for long-term investors. It also features a built-in news feed with daily updates on market trends and blockchain developments.
Security is robust: most user funds are stored offline, and the app supports biometric login and two-factor authentication. While trading fees can be higher than competitors, the trade-off is unmatched ease of use and widespread trust.
👉 Start your crypto journey with a platform trusted by millions worldwide.
3. Voyager – High-Yield Trading Experience
Voyager distinguishes itself with competitive pricing and reward programs. It supports over 100 cryptocurrencies including Bitcoin, Ethereum, Dogecoin, and Solana. One of its biggest draws is the ability to earn up to 12% APY on select crypto assets through staking or holding in your account.
The app features a clean, modern interface with real-time price tracking and dark mode support — perfect for extended use. Signing up takes minutes, and linking your bank account is fast and secure.
Voyager emphasizes transparency: there are no hidden fees, and trade execution happens across multiple liquidity sources to ensure optimal pricing. While it doesn’t offer as many educational resources as others, its straightforward functionality appeals to active traders.
Note: After emerging from restructuring in late 2023, Voyager relaunched under new ownership with improved safeguards and continued service for U.S. users.
4. Kraken – Reliable & Feature-Rich
Kraken has been a cornerstone of the crypto industry since 2011 and remains one of the safest exchanges operating in the U.S. Its mobile app delivers a streamlined experience without sacrificing depth.
Users can buy Bitcoin, Ethereum, and dozens of altcoins using bank transfers or Google Pay. The app provides comprehensive portfolio tracking, transaction history, and market analytics. A unique feature is the market leaderboard, showing top gainers, losers, most traded assets, and largest market caps — great for spotting trends quickly.
Kraken prioritizes security with regular audits, insurance coverage, and cold storage for 95% of assets. It also offers margin trading and futures for experienced users via Kraken Pro (accessible through the app).
Its customer support is highly rated — a rare plus in the crypto space — making it ideal for those who value reliability alongside functionality.
5. eToro – Social Investing Meets Crypto
eToro brings a fresh twist to crypto investing with its social trading model. While best known for stock and forex trading, its U.S. platform fully supports major cryptocurrencies like BTC, ETH, and ADA.
One of eToro’s standout features is copy trading, where you can automatically mirror the moves of successful investors. This is especially helpful for beginners who want to learn by example.
The app charges no commission on crypto purchases (though spreads apply), and deposits are free. It also includes robust security measures like SSL encryption and fund segregation.
While eToro offers fewer crypto options compared to others on this list, its emphasis on education, risk management tools, and community interaction sets it apart.
Frequently Asked Questions (FAQs)
Q: Are these crypto apps legal in the United States?
A: Yes — all five apps operate in full compliance with U.S. financial regulations and are registered with relevant authorities like FinCEN.
Q: Can I store my crypto safely on these apps?
A: These platforms use advanced security protocols including cold storage, encryption, and 2FA. However, for large holdings, consider transferring assets to a hardware wallet.
Q: Do I need prior experience to use these apps?
A: Not at all. Apps like Coinbase and eToro are designed for beginners, while Kraken and Voyager offer tools for both novice and expert traders.
Q: How do I deposit money into these apps?
A: Most support bank transfers (ACH), debit cards, and some accept Google Pay or wire transfers. Processing times vary by method.
Q: Are there hidden fees?
A: Transparent pricing is standard among reputable apps. Always review fee schedules — some charge spreads instead of direct fees.
Q: Which app has the lowest fees?
A: Kraken and Binance US typically offer lower trading fees, especially for high-volume users. However, Binance US was excluded from our final list due to limited availability and service changes in 2023.
Choosing the best app to buy crypto in the USA depends on your goals: whether you prioritize ease of use (Coinbase), yield (Voyager), security (Kraken), or social learning (eToro). All five platforms listed here provide reliable entry points into the world of digital assets.
👉 See how quickly you can buy your first cryptocurrency with a seamless trading interface.
No matter which app you choose, always start small, enable all available security features, and stay informed about market developments. The future of finance is mobile — make sure you’re equipped with the right tools.
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