How to Buy Fractional Bitcoin: A Comparison of the Best Options

Key Takeaways

• Bitcoin can be purchased in fractions: Investors do not need to buy a whole Bitcoin, as BTC is divisible into smaller units, enabling flexible entry at any price level.

• There are multiple ways to buy fractional Bitcoin: Crypto exchanges, brokerage platforms, and payment apps all support fractional BTC purchases, each with different trade-offs.

• Fees and custody vary widely by platform: Exchanges typically offer lower BTC spot fees and greater control, while brokerages and payment apps focus on convenience.

• Bitget stands out as the most balanced option: With competitive spot fees, global accessibility, and advanced trading capabilities, Bitget offers a strong overall solution for buying fractional Bitcoin.

What Is Fractional Bitcoin?

Fractional Bitcoin refers to owning less than one full Bitcoin (BTC). Bitcoin is divisible into 100 million units called satoshis, allowing investors to buy and hold small portions of BTC rather than an entire coin. This design ensures that Bitcoin remains accessible regardless of its market price.

For example, if Bitcoin is priced at $90,000, an investor who buys $900 worth of Bitcoin would receive 0.01 BTC, while a $90 purchase would equal 0.001 BTC. Most platforms allow users to enter a fiat amount and automatically calculate the corresponding fraction of Bitcoin at the current market rate.

From an investment perspective, fractional Bitcoin provides the same proportional exposure as owning a whole Bitcoin. If BTC rises or falls by a certain percentage, fractional holdings move by the same percentage, making fractional purchases an efficient way to build long-term exposure through strategies such as dollar-cost averaging.

How Many Ways to Buy Fractional Bitcoin?

There are three main ways to buy fractional Bitcoin, each offering a different balance between cost, control, and convenience.

• Cryptocurrency Exchanges: Platforms such as Bitget, Coinbase, Binance, and Gemini allow users to buy Bitcoin directly on the spot market with low minimums. Exchanges typically offer the lowest BTC spot fees, high liquidity, and the ability to withdraw Bitcoin to a personal wallet, making them ideal for investors seeking full ownership and long-term flexibility.

• Brokerage Platforms: Services like Fidelity Crypto and Robinhood integrate Bitcoin purchases into traditional investment apps. These platforms are easy to use and familiar to stock investors but often rely on spread-based pricing and provide fewer crypto-specific features.

• Payment and Fintech Apps: Apps such as Cash App enable quick and simple Bitcoin purchases, often starting from very small amounts. While highly accessible and beginner-friendly, these platforms generally charge higher spreads and offer limited trading functionality.

Each option supports fractional Bitcoin purchases, but the best choice depends on whether an investor prioritizes low fees, asset control, or ease of use.

Bitget

• BTC Spot Trading Fees: Maker 0.1% / Taker 0.1%, with additional discounts available when fees are paid using Bitget’s native token (BGB). Bitget also runs periodic zero-fee promotions on selected BTC spot trading pairs.

Founded in 2018, Bitget is a global cryptocurrency exchange serving over 120 million users worldwide. It has positioned itself as a leading platform for buying fractional Bitcoin, particularly for investors who prioritize low fees, liquidity, and long-term flexibility. The exchange supports BTC spot trading with low minimum order sizes, allowing users to purchase Bitcoin based on fiat value rather than whole units.

Bitget offers a comprehensive trading environment designed to support both new and experienced investors. In addition to standard BTC spot trading, the platform provides advanced functionality such as limit orders, trading bots, and its widely adopted copy trading system. Crucially, Bitget allows users to withdraw Bitcoin to external wallets, ensuring full asset ownership and avoiding the limitations of closed custodial ecosystems.

A key strategic differentiator is Bitget TradFi, which represents Bitget’s expansion into traditional financial markets. Through Bitget TradFi, users can access products such as forex, commodities (including gold and oil), and major global indices within the same platform. TradFi trading is supported through professional-grade infrastructure, allowing crypto-native users to diversify into traditional assets without opening separate brokerage accounts or managing multiple platforms.

Bitget TradFi reflects the exchange’s long-term vision of unifying digital assets and traditional finance into a single, efficient trading ecosystem. For investors buying fractional Bitcoin, this integration offers additional flexibility to manage risk, diversify exposure, and transition seamlessly between crypto and traditional markets as part of a broader investment strategy.

Explore Bitget TradFi today to trade forex, commodities, and global indices from the same account you use to buy Bitcoin.

Coinbase

• BTC Spot Trading Fees: Maker 0.40% / Taker 0.60% on Coinbase Advanced Trade

Coinbase is a globally recognized cryptocurrency exchange founded in 2012 and publicly listed in the United States. It serves users across more than 100 countries and is widely known for its strong emphasis on regulatory compliance, security, and ease of use. Coinbase supports fractional Bitcoin purchases by allowing users to buy BTC based on fiat amounts, making it accessible to investors who prefer a straightforward and regulated entry point into the crypto market.

Bitget vs. Coinbase

Compared with Coinbase, Bitget offers significantly lower BTC spot trading fees and a more cost-efficient structure for buying fractional Bitcoin. Coinbase emphasizes simplicity and regulatory alignment, making it suitable for beginners and compliance-focused users. For investors who trade more frequently or are sensitive to fees, Bitget provides a more flexible and cost-effective environment.

Binance

• BTC Spot Trading Fees: Maker 0.10% / Taker 0.10%

Binance is one of the world’s largest cryptocurrency exchanges by trading volume, serving a global user base across multiple regions. The platform supports fractional Bitcoin purchases with high liquidity and a wide range of trading pairs, allowing users to buy BTC efficiently at market prices. Binance is known for its extensive crypto ecosystem, offering spot trading alongside derivatives, staking, and other crypto-related services.

Bitget vs. Binance

Bitget and Binance both offer competitive BTC spot fees, but Bitget differentiates itself through a more streamlined user experience and additional features such as copy trading and TradFi market access. While Binance appeals to users seeking a broad crypto ecosystem, Bitget provides a more balanced and cost-efficient option for investors focused on buying and managing fractional Bitcoin with greater flexibility.

Gemini

• BTC Spot Trading Fees: Maker 0.20% / Taker 0.40% on Gemini ActiveTrader

Gemini is a U.S.-based cryptocurrency exchange founded in 2014 and regulated as a New York trust company. The platform is known for its strong emphasis on compliance, security, and institutional-grade custody. Gemini supports fractional Bitcoin purchases, allowing users to buy BTC using fiat amounts through both its standard interface and the more advanced ActiveTrader platform.

Bitget vs. Gemini

Compared with Gemini, Bitget offers lower BTC spot trading fees and a more flexible trading environment for fractional Bitcoin purchases. While Gemini prioritizes regulatory rigor and security within a tightly controlled framework, Bitget focuses on cost efficiency, broader functionality, and global accessibility, making it more suitable for active and growth-oriented crypto investors.

Fidelity Crypto

• BTC Trading Fees: No commission; Fidelity applies an approximate 1% spread on Bitcoin buy and sell transactions.

Fidelity Crypto is the digital asset offering from Fidelity Investments, one of the largest and most established financial institutions globally. Designed for traditional investors, the platform allows users to buy fractional Bitcoin directly within their Fidelity accounts using a familiar brokerage interface. Fidelity Crypto emphasizes regulatory compliance, institutional-grade custody, and integration with existing investment portfolios, making it accessible to users seeking Bitcoin exposure without using a crypto-native exchange.

Bitget vs. Fidelity Crypto

Compared with Fidelity Crypto, Bitget offers a more cost-efficient and flexible structure for buying fractional Bitcoin, particularly for active traders. While Fidelity Crypto focuses on simplicity and integration within a traditional brokerage environment, Bitget provides lower trading costs, greater control over assets, and a wider range of crypto-native trading tools suited to investors seeking deeper market engagement.

Robinhood

• BTC Trading Fees: No commission; Bitcoin trades are executed with a spread built into the price.

Robinhood is a widely used financial trading app that offers fractional Bitcoin purchases alongside stocks, ETFs, and options. The platform is designed for ease of use, allowing users to buy Bitcoin in small amounts directly from a mobile-first interface. Robinhood supports Bitcoin withdrawals to external wallets, though its crypto offering remains relatively limited compared with dedicated exchanges.

Bitget vs. Robinhood

Compared with Robinhood, Bitget provides a more transparent and cost-efficient trading structure for buying fractional Bitcoin. While Robinhood prioritizes simplicity and commission-free trading through spread-based pricing, Bitget offers lower explicit fees, greater asset control, and a more comprehensive trading environment for investors seeking flexibility beyond basic buy-and-hold strategies.

Cash App

• BTC Trading Fees: Variable service fee plus spread, typically ranging from approximately 0.75% to 3%, depending on transaction size and market conditions

Cash App is a mobile payment and financial app that allows users to buy and sell Bitcoin directly within a simplified interface. The platform supports fractional Bitcoin purchases starting from very small amounts, making it popular among beginners and users looking for convenience. Cash App focuses exclusively on Bitcoin rather than offering a broad range of cryptocurrencies, and it enables users to withdraw BTC to external wallets.

Bitget vs. Cash App

Compared with Cash App, Bitget offers significantly lower BTC trading fees and a more professional trading environment for fractional Bitcoin purchases. While Cash App prioritizes simplicity and ease of access for casual users, Bitget is better suited for investors who value lower costs, deeper liquidity, and advanced trading features.

Which Option Is the Best for Buying Fractional Bitcoin?

The best platform for buying fractional Bitcoin ultimately depends on an investor’s priorities, including cost sensitivity, trading frequency, desired level of control, and long-term strategy. While brokerage platforms and payment apps offer convenience and familiarity, they often rely on spread-based pricing and provide limited functionality, which can increase costs over time and restrict flexibility.

For investors who prioritize low fees, full asset ownership, and scalability, cryptocurrency exchanges generally present the most efficient option. Among them, Bitget stands out by offering consistently low BTC spot trading fees, global accessibility, and a comprehensive trading environment that supports both simple purchases and advanced strategies. Its ability to combine cost efficiency with professional-grade tools makes it particularly attractive for investors building long-term Bitcoin exposure through fractional purchases.

That said, platforms like Coinbase, Gemini, Fidelity Crypto, Robinhood, and Cash App each serve specific use cases, from regulatory-focused investing to ultra-simple onboarding. However, for investors who trade more frequently or aim to optimize costs while retaining flexibility, Bitget offers the most balanced and future-ready solution for buying fractional Bitcoin.

Conclusion

Fractional Bitcoin has made it possible for investors worldwide to gain exposure to Bitcoin without the need to purchase a full BTC. By allowing investments at any budget level, fractional ownership has become the standard entry point for both new and experienced crypto investors. However, the platform chosen to buy fractional Bitcoin can have a meaningful impact on long-term costs, asset control, and overall flexibility.

Across exchanges, brokerage platforms, and payment apps, each option serves a different purpose. Brokerages and fintech apps prioritize ease of use and familiarity, while crypto exchanges generally offer lower fees, deeper liquidity, and greater control over assets. Understanding these differences is essential for aligning platform choice with individual investment goals.

For investors seeking a cost-efficient, scalable, and globally accessible solution, Bitget stands out as the most balanced option for buying fractional Bitcoin. With competitive BTC spot trading fees, full asset ownership, and a comprehensive trading ecosystem that continues to expand, Bitget provides a strong foundation for building long-term Bitcoin exposure in an evolving digital asset landscape.