Best Ways to Buy Small Amounts of Bitcoin Under $100 with Low Fees

Investing in Bitcoin doesn’t require a large amount of capital. In fact, buying small amounts of Bitcoin, often called stacking sats or Satoshis, the smallest unit of Bitcoin, is a popular strategy for gradually building a position. However, when dealing with small amounts, transaction fees can significantly impact your investment. This guide explores the best ways to buy under $100 worth of Bitcoin while keeping fees to a minimum, with a special focus on why BingX is our top recommendation.

Key Takeaways

For small Bitcoin purchases under $100, minimizing fees is crucial. High minimums and percentage-based fees can eat into your investment.
Centralized exchanges (CEXs) are the most beginner-friendly option. They offer a balance of low fees, ease of use, and multiple payment methods.
BingX stands out as the top choice for low-cost, small-amount Bitcoin purchases. It combines low trading fees of 0.1%, a low minimum purchase of $20, and multiple ways to buy, including credit/debit cards and P2P.
Decentralized exchanges (DEXs) offer self-custody but are generally more complex and can have higher network fees (gas), making them less ideal for small, frequent purchases.
Peer-to-peer (P2P) platforms and apps like Cash App offer alternative ways to buy small amounts of Bitcoin, each with its own fee structure and user experience.

Why Fees Matter for Small Bitcoin Purchases

When you buy $1,000 worth of Bitcoin, a $10 fee represents only 1% of your purchase. But when you buy just $50, that same $10 fee is a whopping 20% of your investment. Many platforms have minimum fees or percentage-based fees that disproportionately affect smaller transactions. Therefore, finding a platform with low, transparent, and scalable fees is essential for anyone looking to invest small amounts in Bitcoin.

Why Are Centralized Exchanges (CEXs) Like BingX the Best Balance for Beginners?

For most users, especially those new to crypto, centralized exchanges (CEXs) offer the best combination of user-friendliness, low fees, and security. These platforms act as intermediaries, matching buyers and sellers and providing a custodial wallet to store your crypto.

BingX, the Top Social Trading Crypto Platform to Buy BTC

BingX is our top recommendation for buying small amounts of Bitcoin due to its competitive fees, low entry barrier, and versatile purchasing options.

Join BingX and claim 6,000+ USDT welcome gift

Key Features of BingX

Low Trading Fees: BingX charges a flat 0.1% fee for spot trading, which is among the lowest in the industry. This means a $50 purchase would only incur a $0.05 fee.
Low Minimum Purchase: You can start buying Bitcoin on BingX with as little as $20.
Multiple Buying Options:

Credit/Debit Card via Quick Buy: Easily purchase USDT with your card and then trade it for BTC on the spot market.
P2P Trading: Buy USDT directly from other users with zero fees, often with a wide range of payment methods.
Spot Market: For the lowest fees, deposit funds and buy BTC directly on the spot market.

How to Buy Bitcoin on BingX on the Spot Market

Create and verify your account.
Fund your account by depositing crypto or buying USDT via P2P or Quick Buy.
Navigate to the Spot market and select the BTC/USDT pair.
Enter the amount of BTC you wish to buy.
Place your order; choose Market order for instant purchase.

Buy Bitcoin (BTC)

How to Buy Bitcoin on BingX Recurring Buy

BingX Recurring Buy lets you automatically purchase Bitcoin at fixed intervals, helping you apply a dollar-cost averaging (DCA) strategy and build your BTC holdings gradually without timing the market. The feature supports flexible purchase amounts starting from as little as 1 USDT and allows schedules such as hourly, daily, weekly, or monthly purchases.

Log in to your BingX account and navigate to the Spot section.
Click Recurring Buy from the trading tools menu.
Choose your payment asset, e.g. USDT or USDC.
Select Bitcoin (BTC) as the cryptocurrency you want to purchase.
Set the amount, frequency, and start time, for example, $20 worth of BTC weekly.
Confirm the plan, and BingX will automatically execute the purchases according to your schedule.

Once activated, the plan runs automatically and can be paused, edited, or canceled anytime, giving you a simple way to accumulate Bitcoin consistently while reducing the impact of short-term price volatility.

Try BingX Recurring Buy

What Are Some Other Platforms to Buy Bitcoin?

Beyond BingX, you can also buy Bitcoin through CEXs, DEXs, and crypto-friendly apps, each offering different fee structures, payment options, and levels of control over your funds.

1. Other CEX Options to Buy Bitcoin

Coinbase

Coinbase is one of the most popular and user-friendly exchanges, making it a good choice for beginners. However, its fee structure can be higher for smaller transactions compared to BingX. Coinbase has a variable fee structure that can be a flat fee or a percentage, whichever is greater, which can be costly for small amounts.

Kraken

Kraken is another reputable exchange with competitive fees. Their Instant Buy feature is convenient, but the fees are higher than their pro trading interface. For low fees, you'll want to use the Kraken Pro interface, which has a maker/taker fee structure starting at 0.16%/0.26%.

2. Decentralized Exchanges (DEXs): For the Self-Custody Advocate

DEXs operate without a central authority, allowing users to trade directly from their own wallets. While this offers greater control over your funds, it comes with a steeper learning curve and potentially higher, more variable fees (gas fees) depending on network congestion.

Uniswap

Uniswap is the largest DEX on the Ethereum network. To buy Bitcoin on Uniswap, you would typically need to swap an Ethereum-based token for a wrapped version of Bitcoin, like Wrapped BTC (WBTC). The fees on Uniswap consist of a protocol fee and the Ethereum network's gas fee, which can be substantial, especially during peak times, making it less suitable for small purchases.

THORSwap

THORSwap is a cross-chain DEX that allows you to swap native assets, including Bitcoin, without wrapping. This is a significant advantage over other DEXs. However, the fees can still be higher than CEXs for small amounts, and the interface is more complex for beginners.

3. Cash App Crypto App

Cash App has become a popular and straightforward way to buy Bitcoin in the US. It offers a simple interface and even allows for automatic recurring purchases. Cash App charges a service fee for each transaction, which can be a percentage of the total amount. For smaller purchases, this can be higher than the fees on an exchange like BingX.

Comparison of Platforms for Buying Under $100 of Bitcoin

Platform	Type	Minimum Purchase	Fee for $50 Purchase (Approx.)	Best For
BingX	CEX	$10	$0.05 (0.1% on spot)	Overall best value and flexibility
Coinbase	CEX	$2	$1.99 (variable)	Beginners prioritizing ease of use
Kraken	CEX	$10	$0.75 (Instant Buy) / $0.13 (Pro)	Low fees on pro interface
Uniswap	DEX	Varies	Varies (Gas fees can be high)	Self-custody and DeFi users
Cash App	P2P App	$1	~$1.00 (2.0%)	Simplicity and recurring buys

Conclusion: Why BingX Is the Smart Choice for Small Bitcoin Investments

When buying small amounts of Bitcoin, every satoshi counts. While many platforms can get you started, BingX offers the most compelling package for investors looking to buy under $100 worth of BTC. Its combination of low 0.1% trading fees, a reasonable $20 minimum, and multiple on-ramps (P2P, card, spot) ensures that more of your money goes into your Bitcoin investment, not into fees. By choosing the right platform, you can efficiently and affordably build your Bitcoin holdings over time.