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What are Swan Bitcoin's fees?

  • Updated

Through September 8, we have cut our Bitcoin buy fee in half, from 1% to 0.50%. Learn more here.

The halved rate applies to instant buys, recurring buys, limit orders, and Swan IRA buys.

Withdrawals stay complimentary, as always. Swan pays the network fee because we want you to hold the Bitcoin you buy.
 

Buys and Sells 

Starting September 9th, 2026, Swan fees will go back to the standard 1% fee for all buys and sells.

Withdrawals

Bitcoin withdrawals and USD withdrawals are complimentary for all clients. 

 

Custody 

Swan’s refined custody offerings give every client access to secure and flexible Bitcoin storage, with Swan Guard providing extra layers of safety and support. 

We have three options to choose from:
 

1) Self-Custody  

Swan continues to encourage all clients to take full ownership of their Bitcoin when ready. 

  • No charge - set up a Bitcoin auto-withdrawal for complimentary Swan Safe custody until your withdrawal threshold is met.

2) Swan Safe (keeping Bitcoin in your Swan Account) 

For clients who prefer segregated custody with regulated financial institutions, Swan partners with industry leaders Bakkt, BitGo, and Equity Trust, with additional security layers provided by Swan Guard.

  • 0.03% Assets on Platform (AOP) per month. For example if you have $10,000 worth of Bitcoin with Swan, your monthly fee would be $3. 
  • Fee waived for clients with Bitcoin auto-withdrawals enabled
  • No charge until $1 worth of fees have accumulated
  • Swan Safe fees are charged via ACH to your bank account on file

Swan Safe Plus: +0.03% → brings total from 0.03% to 0.06%

 

3) Swan Vault

Empowers clients with total control of their Bitcoin without having to go it alone. Funds are safeguarded by a collaborative multisignature setup with keys stored offline. Swan Vault includes a complimentary onboarding call (previously $200) with a Bitcoin expert to ensure optimal setup. Swan Vaults are protected by Swan Guard. Learn more about Swan Vault here.

  • 0.02% Assets on Platform (AOP) per month
  • Minimum $30 per month
  • Maximum of $500 per month

Swan Vault Plus: +0.03% → brings total from 0.02% to 0.05% (with a $30 min / $750 max per month)

Note about Swan Vault fees:

  • Swan Safe fees waived for clients with Bitcoin auto-withdrawals to a Vault enabled

Swan IRA 

Secure your future with the Swan Bitcoin IRA – buy and hold real Bitcoin in a tax-advantaged retirement account. Enjoy industry-leading custody, seamless onboarding, and expert support every step of the way.

  • 0.02% Assets on Platform (AOP) per month. For example if you have $100,000 worth of Bitcoin in your Swan IRA, your monthly fee would be $20 
  • $20 minimum
  • Swan IRA fees are charged via ACH to your bank account on file

Swan Business

Buy and hold Bitcoin for your business, trust, family office, or non-profit. 

  • $35 per month Swan Business platform fee
  • Swan Business fees are charged via ACH to your bank account on file
As a Swan Business client, you receive exclusive benefits, including:
  • A dedicated representative for help with your Bitcoin custody and questions.
  • Access to exclusive research and private events
  • A trusted network of Bitcoin professionals (estate planning, tax, legal, etc) 

Swan Safe (keeping Bitcoin in your Swan Account) 

For clients who prefer segregated custody with regulated financial institutions, Swan partners with industry leaders Bakkt, BitGo, and Equity Trust, with additional security layers provided by Swan Guard.

  • 0.03% Assets on Platform (AOP) per month. For example if you have $10,000 worth of Bitcoin with Swan, your monthly fee would be $3. 
  • Fee waived for clients with Bitcoin auto-withdrawals enabled
  • No charge until $1 worth of fees have accumulated
  • Swan Safe fees are charged via ACH to your bank account on file

Swan Safe Plus: +0.03% → brings total from 0.03% to 0.06%
 

Swan Private

Our white-glove concierge service where each client has direct access to their dedicated Bitcoin export by text, email, and phone. 

Swan Private is a complimentary service tier for clients who have an IRA, Vault, Generations, Sovereign, or more than 1 BTC in your Swan account. 

Any client who was previously paying for Swan Private, was grandfathered into Swan Sovereign which includes all of the Private benefits as well as some additional benefits. Pricing does not change, however clients will notice their bill now says Sovereign instead of Private. 

Benefits of Swan private include: 
  • A dedicated representative for help with your Bitcoin custody and questions.
  • Access to exclusive research and private events
  • A trusted network of Bitcoin professionals (estate planning, tax, legal, etc)

Swan Sovereign

Swan Sovereign is for Bitcoin holders who want to maintain 100% key control while receiving professional guidance and ongoing education. 

Clients retain complete control of their Bitcoin, Swan never touches your keys or seed phrase, while gaining a dedicated Swan Private rep, an annual custody check-in, and exclusive education including a monthly newsletter and quarterly webinars. 

It's expert guidance and support at every step, so you can self-custody with confidence. 
 

How much does Swan Sovereign cost?

$25/month, billed monthly. Includes full Swan Private membership. Cancel anytime.
 

What's included with Swan Sovereign

  • Annual custody check-in (1-on-1 with dedicated Swan Private representative)
  • Swan Private Membership (dedicated rep, exclusive research, event access)
  • Monthly Newsletter (security tips, OpSec, online privacy, self-custody news, etc)
  • Quarterly Webinars (deep-dives, recorded and uploaded to the Sovereign Knowledge Center)
  • Knowledge Center (content library, tutorials, vendor discounts)

 

Tax Loss Harvesting

Fees for Tax Loss Harvesting through your Swan Private rep are 1.29% total (for the sell and re-buy). This is an exclusive service for our Swan Private clients. 
 

Frequently Asked Questions 

How will fees be charged? 

Swan fees will be charged to the linked bank account on file. 

Fees will not be taken from a client's Bitcoin balance (however, some clients are requesting this and we're considering adding this option in the future).
 

How does Swan support self custody?
 

Swan Safe is complimentary for all clients who turn on auto-withdrawals from their Swan dashboard. For instructions click here. 

Your auto-withdrawl does not need to execute in any given month (i.e. your withdrawal threshold is not met), it just needs to be enabled. 


Minimum charge for monthly Swan Safe fees? 

There is no charge for Swan Safe until $1 worth of fees have accumulated.

As a reminder, clients who keep Bitcoin in their Swan Personal account are charged 0.03% Assets on Platform (AOP) monthly.

For example, if you store $10,000 USD in your Swan Personal account you will be billed $3/month. 

 

What about BitGo accounts?

BitGo accounts will not be charged Swan Safe fees until further notice. We anticipate new pricing for BitGo accounts to take effect in Q3. We will contact all clients with a BitGo account directly and provide advanced notice before new pricing takes effect. 


How do I enable auto-withdrawals?

Clients can set up auto-withdrawals directly from their Swan dashboard. For instructions click here. 

Reminder: Swan Safe custody fees are waived for clients with a Bitcoin auto-withdrawal enabled. 

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