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18 listings: ways to buy bitcoin — exchanges and apps built around bank-transfer purchases, recurring buys and savings plans, plus peer-to-peer trading apps and fiat on-ramps.
All 18 are in the ₿ USE · TOOL group. By region: 8 Europe, 5 North America, 1 Africa, 1 Asia-Pacific and 3 Global. 8 support Lightning and 1 is open source. Who holds the bitcoin is stated for all 18: 9 Custodial, 7 Non-Custodial, 2 with a custody line instead of a class. 1 carries a notice. 3 also appear under Bitcoin Companies, Local Bitcoin and Payment Processors.
18 listings, grouped Bitcoin first by label. Inside each group: open source first, then the rest, then listings marked Not recommended, each A to Z here (the interactive directory rotates them weekly). Nothing is hidden. This version needs no JavaScript. Most recent Updated date here: 23 October 2026 (the day a record last changed, not a verification date).
How listings are checked → · How to Get Started (Section 3) →
Bitcoin used directly as money, or tools for running, securing and building on it.
Vexl ₿ USE
Peer-to-peer Bitcoin trading via your contacts.
Non-Custodial. Vexl says it offers no escrow service and no instruments to facilitate Bitcoin transactions between users; it lets people find and contact each other and discuss the trade, which happens between the two. Vexl: FAQ
21bitcoin ₿ USE
Bitcoin savings plans, held in custody or sent to your wallet.
Custodial. According to its terms, FIOR holds the bitcoin on the client’s behalf, with cold-wallet keys sub-custodied at BitGo Europe; 21bitcoin offers automatic transfer to your own hardware wallet after each purchase. 21bitcoin: Terms (cl. 13.1.2)
Amber ₿ USE
Australia's Bitcoin-only investment app.
Custodial. Amber says it stores customer bitcoin in off-line multi-sig custody and you withdraw on request; you can switch on automated withdrawals to your own wallet. Amber: Terms
Azteco ₿ USE
Bitcoin vouchers — buy with cash, anywhere.
Custody. Azteco says its vouchers work “just like digital gift cards or prepaid vouchers”, need no account and are redeemed “directly to your bitcoin wallet”, after which it “does not have access to your bitcoin”. Azteco: Home page and FAQ
Bitcoin Well ₿ USE
Non-custodial Bitcoin for Canadians.
Non-Custodial. According to its Canadian terms, Bitcoin Well does not provide custodial services; its US terms also allow a custodial account with BitGo and a Bitcoin IRA held at BitGo. Bitcoin Well: Terms of service (Canada)
Bitnob ₿ USE
Bitcoin and stablecoin wallets and cross-border payments.
Custodial. Bitnob says its managed Business tier provisions “custodial wallets for USDT, USDC, and Bitcoin”, while Bitnob Enterprise is “the non-custodial tier”, where “you hold your own keys”. Bitnob: Introducing Bitnob Business and Bitnob Enterprise (3 Jun 2026)
Bitstack ₿ USE
Stack Bitcoin with every euro you spend.
Custodial. The company holds the keys to your bitcoin. Bitstack: Security
Bittr ₿ USE
Bitcoin DCA straight to your own wallet, from Switzerland.
Non-Custodial. Only you hold the keys to your bitcoin. Bittr: Support
Bull Bitcoin ₿ USE
Non-custodial Bitcoin exchange for Canadians.
Non-Custodial. According to its Canadian terms, Bull Bitcoin does not offer Bitcoin custody services but does keep fiat account balances used to buy bitcoin or to withdraw fiat. Bull Bitcoin: Terms (Canada)
CoinCorner ₿ USE
Lightning-first Bitcoin exchange from the Isle of Man.
Custodial. The company holds the keys to your bitcoin. CoinCorner: Terms and privacy policy (Isle of Man)
MoonPay ₿ USE
Buy Bitcoin with your card in minutes.
Non-Custodial. MoonPay’s US terms say it provides no custodial wallet services and sends purchases to the address you give; its optional Stored Value Account holds fiat funds in a custodial account at FDIC-insured institutions. MoonPay: Terms of use (USA, effective 6 Aug 2026)
Peach Bitcoin ₿ USE
Buy or sell Bitcoin P2P, anywhere, anytime.
Custody. Peach says that since 31 August 2026 it no longer holds a signature in the trade escrow, so the seller controls the escrowed bitcoin; before then its terms describe a 2-of-2 escrow with a Peach key. Peach: Peach at a crossroads (31 Aug 2026)
Advisory · ESCROW PAUSED — Peach changed how trades work on 31 August 2026 (2026-08-31)
On 31 August 2026 Peach's founder wrote that its Swiss regulator is reconsidering the compliance agreement that lets Peach run a KYC-free marketplace, and that Peach has paused its escrow model until a final ruling. Until then Peach no longer has a signature in the escrow, so the seller controls the escrowed BTC; only KYC-verified users, manually whitelisted users, and sellers with zero lost disputes and enough past trades can post sell offers, and a user without KYC can be in only one trade at a time. Peach says its in-app dispute system stays available, that it still takes a 2% fee on releases, and that use may be restricted or non-compliant in the EU/EEA after 1 July 2026.
Our position: listed, with this notice, because the service still operates. The escrow protection described in earlier versions of this listing is not currently in place; Peach says the changes are temporary until the regulator's final ruling. The facts above come from Peach's own letter and website — check them yourself.
Sources: Peach: 'Peach at a Crossroads' (founder letter, 31 August 2026) · Peach website (notice on temporary trading changes) · CryptoTicker: Peach pauses its escrow model
Pocket Bitcoin ₿ USE
Stack satoshis automatically.
Non-Custodial. Pocket says it does not hold your private keys; its terms say purchases pass through a third-party merchant and custodian service provider on the way to your wallet. Pocket Bitcoin: Can Pocket access my Bitcoin?
Relai ₿ USE
Non-custodial Bitcoin app for Europe.
Non-Custodial. Only you hold the keys to your bitcoin. Relai: Bitcoin security
River ₿ USE
Bitcoin brokerage built from the ground up.
Custodial. The company holds the keys to your bitcoin. River: Terms
Shakepay ₿ USE
Montreal-based app for buying Bitcoin with Interac.
Custodial. The company holds the keys to your bitcoin. Shakepay: Security
Strike ₿ USE
Instant Bitcoin purchases via Lightning.
Custodial. The company holds the keys to your bitcoin. Strike: US individual terms (Bitcoin Custody)
Swan Bitcoin ₿ USE
Bitcoin-only dollar-cost averaging, based in the US.
Custodial. Swan says its default custody option is held by a regulated custodian; Swan Vault is a 2-of-3 multisig where you hold two hardware keys and Swan holds a cloud key that cannot move your bitcoin alone. Swan: Custody