Buy Crypto with Zero Fees (2026 Guide)

Most crypto exchanges charge between 0.5% and 2.5% per trade. On a €1,000 purchase that’s €5 to €25 gone before the price even moves. I’ve been in crypto since 2017 and tested most of the major platforms. The combination that gets closest to zero cost is Revolut for the fiat side and Neverless for the crypto side.

This guide covers the full flow, step by step.

Not financial advice. Whether to buy crypto is your own decision.

How It Works

To buy crypto: Bank or card → Revolut → Neverless → 0% trading fee

To sell crypto: Sell on Neverless → withdraw Euro to Revolut → convert to local currency → bank or card

Revolut handles the fiat side cleanly. Neverless handles the crypto side with no trading commission. Both apps are straightforward once you have done it once.

Step-by-Step: Buying Crypto with 0% Fees

1. Set Up Revolut and Neverless

Download Revolut from the App Store or Google Play and create an account. Verification takes about 5 minutes.

For Neverless, sign up through the link below. You get a €20 welcome bonus when you deposit at least €100 and hold it for 30 days:

Open a Neverless account (€20 bonus)

2. Top Up Revolut

Add funds to Revolut using a debit card or bank transfer from your regular bank. Works the same as any banking app.

3. Exchange to Euro in Revolut

If your account is in GBP, SEK, NOK, or another currency, exchange to Euro inside Revolut before transferring. On weekdays during regular market hours, this exchange is free up to a monthly limit. Doing it on a weekday avoids the small weekend markup.

4. Send Euro from Revolut to Neverless

In Neverless, go to the deposit section and copy your IBAN and reference code. Open Revolut and send the Euro amount to that IBAN. Include the reference code exactly as shown. Transfers typically arrive within minutes, sometimes up to a few hours.

5. Buy Crypto on Neverless

Once your Euro lands in Neverless, buy Bitcoin, Ethereum, or any other supported asset. The trading fee is 0%. Neverless earns on the spread instead, which at 0.07 to 0.12% is well below what most exchanges charge in combined fees and commissions.

If this is your first deposit of at least €100, the €20 bonus is credited after the 30-day holding period.

Step-by-Step: Selling Crypto and Withdrawing

1. Sell Crypto to Euro on Neverless

Sell your position directly to Euro inside Neverless. Still 0% trading fee on the way out.

2. Add Revolut as a Bank Account in Neverless

Go to withdrawal settings in Neverless and add your Revolut Euro IBAN as a saved bank account. You can find your Revolut IBAN in the app under your Euro account details.

3. Withdraw Euro from Neverless to Revolut

Withdraw your Euro balance to your Revolut IBAN. This is free and typically settles within one business day.

4. Convert and Withdraw in Revolut

Back in Revolut, exchange from Euro to your local currency if needed, then withdraw to your bank account or card as normal.

Video Walkthrough

Here is how the full transfer process looks in practice:

Why Neverless

0% trading fee. No commission on buys or sells.
Tight spreads. 0.07 to 0.12%, which beats most exchanges on total cost.
Built by former Revolut executives. The team that built Revolut’s crypto product built this platform.
Regulated. Operating under EU financial regulation.
Stablecoin yield. You can also earn 7 to 10% on USDC through the Strategies feature. It uses arbitrage and does not lend your funds to third parties.

Is It Safe?

Revolut is a regulated financial institution operating across Europe. Funds are safeguarded under e-money regulations.

Neverless is a regulated crypto platform. Your crypto is held in custody on the platform, as with any exchange. It works well for buying and selling, but for long-term storage, move larger amounts to a hardware wallet.

Treat both platforms as tools for moving money efficiently, not for long-term storage.

Get Started

Open Neverless Account

For more on how Neverless works and its Strategies yield feature, see the full Neverless guide.

Affiliate disclosure: the Neverless links above are referral links. I may earn a commission if you sign up, at no cost to you. This is not financial advice.