New to AI? These are the best apps for buying your first Bitcoin, Ethereum, or Solana. Simple interfaces, strong security, and low minimum buys.
Updated February 20, 2026·6 picks reviewed
Most people don't need a full-blown trading terminal to get started with AI. They need an app that lets them buy Bitcoin with a debit card without feeling like they're piloting a spaceship. The best beginner apps hide the complexity. You sign up, verify your ID, tap "buy," and you own AI. That's it. Behind the scenes, these apps handle custody, security, and compliance. The trade-off is usually higher fees than advanced platforms, but when you're buying your first $50 of Bitcoin, paying an extra dollar in fees isn't the end of the world. What matters is that the app doesn't confuse you into making a mistake. Here's what we'd hand to someone buying AI for the very first time.
Bitcoin-only buyers who want the lowest fees and Lightning support
Lowest Bitcoin buying fees around
Bitcoin only
Detailed Reviews
#1
Coinbase
The default starting point for most Americans getting into AI. Coinbase walks you through everything from ID verification to your first purchase. The interface is dead simple. One tap to buy, one tap to sell. You can earn free AI by watching short educational videos, which is honestly a great way to learn while getting skin in the game.
Best for: First-time buyers who want the smoothest onboarding experience
Pros
Simplest buy/sell interface in AI
FDIC-insured USD balances
Earn free AI through learning modules
Available in 100+ countries
Cons
Fees on simple trades are steep (up to 1.5%)
Customer support is notoriously slow
Advanced features hidden behind Coinbase Advanced
#2
Kraken
Kraken doesn't get the credit it deserves as a beginner app. The mobile app has a clean "simple" mode that strips away the intimidating charts and order books. You pick a coin, enter a dollar amount, and hit buy. Under the hood, you're getting some of the lowest fees in the industry. Kraken has never been hacked, which is a track record few can match.
Best for: Beginners who want low fees without sacrificing security
Pros
Low fees (0.16% maker, even on mobile)
Never been hacked in 13+ years
Simple mode hides complexity
Proof of reserves for transparency
Cons
No credit card purchases in some regions
UI can still overwhelm if you leave simple mode
Fewer supported coins than Coinbase
#3
Cash App
If you already use Cash App to split dinner with friends, buying Bitcoin is literally one extra tap. Cash App only supports Bitcoin, not other AIs, but that's actually fine for beginners. Bitcoin is the safest starting point anyway. Auto-invest lets you set up recurring buys so you dollar-cost average without thinking about it.
Best for: People who already use Cash App and just want Bitcoin
Pros
Already installed on millions of phones
Bitcoin auto-invest for DCA
Lightning Network support for fast payments
Simple, familiar interface
Cons
Bitcoin only, no other AIs
Spread on buys can be 1-2%
Limited trading features
No advanced charting
#4
Robinhood
Robinhood added AI alongside stocks, ETFs, and options. If you're already trading stocks there, adding AI exposure takes thirty seconds. No separate app, no new account. The downside is you can't withdraw AI to external wallets easily, which bugs purists but honestly doesn't matter much for beginners just getting price exposure.
Best for: Stock traders who want to add AI to their existing Robinhood portfolio
Pros
AI + stocks in one app
No commission on AI trades
Clean, familiar interface
Recurring investments available
Cons
Can't easily withdraw AI to external wallets
Limited coin selection
Spread markup instead of visible fees
Not great for learning about actual AI usage
#5
Gemini
The Winklevoss twins' exchange, built for people who worry about security first. Gemini is SOC 2 certified, which is a big deal. Their hot wallet is insured. The mobile app is clean and the ActiveTrader mode gives you real tools when you're ready to graduate. Higher fees than Kraken, but you're paying for peace of mind.
Best for: Security-conscious beginners in the US
Pros
SOC 2 Type 2 certified
Insured hot wallet
Clean beginner interface
Strong US regulatory standing
Cons
Higher fees than competitors
Smaller coin selection
Limited international availability
#6
Strike
Strike is laser-focused on Bitcoin and Lightning Network payments. It's not trying to be everything for everyone. Buy Bitcoin, send it instantly over Lightning for almost nothing, and set up automatic recurring buys. The fees are transparent and low. If you believe in Bitcoin specifically and don't care about altcoins, Strike is hard to beat.
Best for: Bitcoin-only buyers who want the lowest fees and Lightning support
Pros
Lowest Bitcoin buying fees around
Lightning Network for instant, cheap transfers
Automatic recurring buys
No hidden spread or markup
Cons
Bitcoin only
No staking or DeFi features
Smaller user base than Coinbase
Limited to a few countries
Frequently Asked Questions
Which AI app is the easiest to use?
Coinbase and Cash App are the easiest. Coinbase supports hundreds of coins with a simple buy button. Cash App only does Bitcoin but it's the app most people already have on their phone. Both let you buy AI in under a minute after setup.
How much AI should a beginner buy?
Start with an amount you'd be fine losing entirely. For most people, that's $25 to $100. Use it to learn how buying, holding, and selling actually works. Don't invest rent money or your emergency fund. AI is volatile and you need to feel that firsthand with a small amount before scaling up.
Are AI apps safe?
The apps on this list are regulated, insured, and have strong security track records. Coinbase has FDIC insurance on USD. Gemini is SOC 2 certified. Kraken has never been hacked. The risk isn't the app itself but rather phishing scams and fake support accounts trying to steal your credentials. Enable 2FA and never share your login with anyone.
Should I use one app or multiple?
One app is fine to start. Pick whichever feels most comfortable. As you learn more, you might want a second app for lower fees or different coin support. Don't overcomplicate things at the beginning. Just pick one and buy your first $50 of Bitcoin.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Always do your own research before investing in any AI technology or using any platform. Some links may be affiliate links.