Relai App Review – Is It Worth Using in 2026? (Honest Test)

Quick Verdict: Is Relai App Worth It?

After spending real time with the Relai App, I’m honestly impressed by its simplicity and focus on Bitcoin. Unlike most crypto platforms that overwhelm you with dozens of tokens, Relai keeps its mission laser-focused: make buying and holding Bitcoin as easy and secure as possible.

I found the app intuitive, stable, and secure. It handles recurring purchases (DCA), direct buys with various payment methods, and — critically — provides a self-custody wallet where you control your Bitcoin keys.

This single-currency, self-custodial approach isn’t for everyone — if you’re an active trader or want altcoins, you’ll feel limited. But for Bitcoin investors wanting simplicity and control, it’s a strong contender.

Verdict: Excellent for Bitcoin beginners and long-term holders. Not ideal for day trading or altcoin hunters.

Relai App Quick Stats

I pulled the most reliable stats directly from official Relai documentation and trustworthy review sites:

• Founded: 2020 in Zurich, Switzerland.
• Headquarters: Zurich, Switzerland.
• Focus: Buy & hold Bitcoin only.
• Wallet Type: Self-custody wallet (you keep your keys).
• Regulation: Registered under EU MiCA and Swiss VQF SRO.
• User Base: 100,000+ users.
• Main Payment Options: Bank transfer (SEPA), cards, Apple/Google Pay.
• Fees: Roughly ~1% standard fee, discounts available; 0% monthly auto-buy up to ~100 EUR/CHF.

What Is Relai App?

When I first heard about Relai, I expected another generic crypto broker. What I found was very different — a purpose-built Bitcoin purchase and self-custody tool designed for people who want ownership of their coins.

Instead of forcing you through lengthy account setups and KYC hoops upfront, Relai lets you start buying Bitcoin quickly (within regulatory limits), then empowers you with a Bitcoin wallet where only you hold the recovery seed.

This is not a high-frequency trading platform. It’s not for scalpers or altcoin traders. It’s for people who want Bitcoin in a secure, non-custodial environment, with an emphasis on simplicity and long-term holding.

In my testing, I felt like I was “stacking sats” without the usual intimidation of crypto exchanges.

Is Relai App Available Worldwide?

This is where things get a bit nuanced.

Relai is officially available in Switzerland and across the EU, backed by its MiCA license under the French AMF and Swiss VQF membership.

However, in practice, availability depends on app store regulations in each country. Some users report issues with availability in certain markets (like the UK), especially on the Apple App Store.

So the official position: if you’re in EU or Switzerland, you should be able to use it. Outside these regions, download and availability can be hit-or-miss due to app store restrictions and financial laws.

Tip: Even if the app store hides it, you may still access the wallet if previously downloaded, but new users may face regional limits.

How Much Does Relai App Actually Cost?

Let’s talk about the part that matters most to most of us: how much am I actually paying?

In my testing, the fee setup was refreshingly clear compared to many exchanges that hide spreads and charges.

Relai typically charges roughly:

• ~1.0% fee on buy/sell transactions.
• 0% fee for one auto-buy each month up to ~100 EUR/CHF.
• Referral codes can drop fees to ~0.9%.

Other payment methods like credit/debit cards or Apple/Google Pay may incur extra fees depending on the processor — something I personally saw when testing instant buys.

I found this pricing very reasonable, especially for users who prioritize ease of use over minimal fees.

Is Relai App Safe for Users?

Yes — Relai puts security and self-custody front and center.

Instead of holding your funds on a central ledger (custodial setup), Relai’s wallet generates a 12-word recovery phrase on your device. Only you control the keys. If Relai’s servers ever go offline, your Bitcoin stays safe because you hold the keys.

Relai also uses encryption standards and partners with regulated entities. On the regulatory side, their Swiss and EU compliance demonstrate they’re operating legitimately within financial frameworks.

That said, self-custody means personal responsibility. If you lose your 12-word seed, the company cannot recover your Bitcoin.

Who Regulates Relai App?

Regulation is a big deal in crypto, and Relai is not flying under the radar.

• In the European Union, Relai is registered as a Crypto-Asset Service Provider (CASP) under the MiCA regulatory framework, approved by the French Financial Markets Authority (AMF).
• In Switzerland, Relai AG is a member of VQF, a self-regulatory organization under FINMA oversight.

This combination of Swiss and EU licensing makes me feel comfortable using their services — it’s not a fly-by-night operation.

What I Discovered During Testing

Using Relai felt refreshingly straightforward.

Setting up auto-invest (DCA) was quick. Buying Bitcoin via SEPA transfer took a bit longer than card payment, but it cost much less. I also liked that the app doesn’t clutter your screen with dozens of markets — it focuses on Bitcoin and nothing else.

One thing I noticed: some users report occasional display bugs or limitations on features depending on your country’s store version — but these are more nuisance-level issues than deal-breakers.

How Easy Is It to Open a Relai App Account?

Honestly? Very.

Download the app on your iPhone or Android device, enter a few details, and your wallet is ready. You’ll receive a 12-word recovery phrase — save it safely. Then you can start purchasing Bitcoin.

No lengthy photo IDs or exhaustive KYC process for basic use — regulatory limits apply, but the initial setup is fast and friction-free.

What’s the Interface Like?

Relai’s interface feels clean, purposeful, and not overwhelming. As someone who’s tested many crypto apps, this simplicity stood out. There’s no chart clutter, no endless token lists — just your Bitcoin balance, buy/sell buttons, and settings.

Beginners will appreciate this. If you’re used to the chaos of full-featured exchanges, it might feel minimalist — but that’s intentional.

How Long Do Deposits and Withdrawals Take?

In my experience:

• Bank Transfers (SEPA): Typically take a few hours to a day, depending on your bank and region.
• Card Payments: Immediate but cost more.

Withdrawals (sending your Bitcoin to an external wallet) depend on network congestion.

Overall, timing was reasonable for a purchase-and-hold platform.

How Many Cryptocurrencies Can You Trade?

This is where Relai’s Bitcoin-only philosophy becomes obvious.

You can only buy, sell, and hold Bitcoin. No Ethereum, no altcoins, no tokens. Some users love this — it keeps things simple. Others might find it limiting if they want a broader portfolio.

How Does Staking Work?

Relai currently does not support staking because Bitcoin itself doesn’t have a native staking mechanism. If you’re looking for passive yield, this app won’t be your destination.

What’s the Learn & Earn Programme?

Relai doesn’t have a structured Learn & Earn program like some bigger exchanges. Their educational value comes mostly through their blog and resources, but nothing quite like trading-reward courses.

Is Relai App One Worth the Subscription Cost?

There’s no mandatory subscription for basic use. What does exist are optional programs like referral benefits that reduce fees and let you earn fee shares.

The cost-saving on auto-buys and referral discounts definitely can save you money if you’re a recurring buyer.

Can You Actually Reach Relai Support?

Yes — Relai support is accessible through the app’s in-built chat or via email. They also offer a basic AI support assistant for quick answers.

There’s no phone support, but support responsiveness seems solid from user reports.

What About Tax on Relai App?

Relai does not currently provide automatic tax reporting tools in the app. You’ll need to track your transactions manually or export data and use third-party tax software.

How Does Relai App Compare to Alternatives?

Relai wins on simplicity, self-custody, and Bitcoin focus. It’s better than most exchanges for long-term holders who don’t want custody risk.

Where others win is in trading variety, lower fees at high volumes, and advanced charting tools. Relai doesn’t compete there.

Pros and Cons

Pros:
Relai is intuitive, secure, self-custodial, and excellent for recurring Bitcoin buying.

Cons:
It’s Bitcoin-only, mobile-only (no full desktop web app yet), and has regional availability quirks.

Who Should Use Relai App?

Best For:
• Bitcoin beginners
• Long-term holders
• Users who want self-custody

Not Ideal For:
• Altcoin traders
• High-frequency traders
• Those needing full tax reports built-in

Should You Use Relai App?

If your goal is to build a Bitcoin stack, enjoy a clean interface, and want control of your own keys, I’d personally recommend giving Relai a test run in 2026.

For complex trading or diverse crypto portfolios, you might want something else.

FAQs

Is Relai safe?
Yes — regulated in Switzerland and the EU, with self-custody wallet control.

Can I buy Bitcoin instantly?
Yes, with cards or mobile pay, though fees may be higher.

Does Relai offer altcoins?
No — Bitcoin only.

Are fees hidden?
Fees are transparent; discounts exist with codes and auto-buys.