Relai

The offer

Relai is a Bitcoin appGlossaryBitcoin appA smartphone app you can use to buy, save and often also store bitcoin. The key difference: some apps hold the bitcoin for you, others give you your own keys from the start.On the learning path: Stage 4 · Step 1 – Ways to get Bitcoin →In the glossary →× from Zurich; customers in the EU are served by Relai EU SASU in Paris.^[2] Bitcoin is the only thing you can buy and sell. You buy either as a one-off or through a weekly or monthly savings planGlossarySavings plan (Bitcoin savings plan)Automatically buying bitcoin at fixed intervals with a fixed amount, for example $50 a month. A savings plan takes the question of the right moment off your hands, but doesn’t promise a higher return.On the learning path: Stage 4 · Step 4 – Setting up a savings plan →In the glossary →×.^[2] Relai holds nothing for you: the bitcoin you buy go straight into the wallet inside the app, which only you can access.^[2]

Costs (as of September 2026)

According to the price list dated 11 June 2026:^[1]

• Service fee: 1% per transaction from €50 to €99,999.99, then falling in steps to 0.5% from €900,000.
• Savings planTermSavings plan (Bitcoin savings plan)Automatically buying bitcoin at fixed intervals with a fixed amount, for example $50 a month.On the learning path: Stage 4 · Step 4 – Setting up a savings plan →In the glossary →AdLicensed providers with a paid linkProviders from our comparison21bitcoinBitcoin app · MiCA (FMA, Austria)No paid link for your country · Profile →RelaiBitcoin app · MiCA (AMF, France)No paid link for your country · Profile →BISONExchange · MiCA (BaFin, Germany)No paid link for your country · Profile →All 11 compared – including non-partners →*Paid link: if you sign up or buy through it, we earn a commission. Your price stays the same. How we make money →18+ · Crypto assets are highly volatile; you could lose all your money. No deposit protection.×: each calendar month, one purchase of up to €100 from a monthly savings plan is exempt from the service fee.
• Minimum amount: €50 per transaction.
• Credit card, Apple Pay, Google Pay: 3% surcharge.^[2]
• Referral code: 10% off the service fee, i.e. 0.9% instead of 1%.
• Network fee: Relai pays it when you buy; you pay it when you sell (it is included in the sale price shown).

On top of this, the price list mentions Relai’s own margin in the price without putting a figure on it.^[1] So compare how much bitcoin you actually get for your money – Understanding fees shows how.

Licence

France’s financial markets authority, the AMF, authorised Relai EU SASU on 23 October 2025 as a crypto-asset service provider (CASPGlossaryCASP (crypto-asset service provider)A company that professionally provides crypto-asset services to customers – such as trading, exchange, custody or transfers. In the EU, every CASP needs an authorisation under MiCA.On the learning path: Stage 4 · Step 2 – Choosing a provider →In the glossary →×) under MiCAGlossaryMiCA (Markets in Crypto-Assets Regulation)The EU regulation on markets in crypto-assets. Since 30 December 2024, exchanges, brokers and custodians in the EU have needed authorisation; the last transitional period ended on 1 July 2026. MiCA regulates providers, not Bitcoin itself.On the learning path: Stage 4 · Step 2 – Choosing a provider →In the glossary →×, authorisation number A2025-006 – only for exchanging crypto assets for money.^[3] According to the ESMA register, this covers all EU member states; the other EEA countries – Iceland, Liechtenstein and Norway – are not listed.^[4] Relai has no authorisation for custody because it does not hold bitcoin for customers.^[3],[2] In Switzerland, Relai AG is a member of the self-regulatory organisation VQF.^[2] What MiCA means for you: MiCA & regulation.

Your responsibility

When you set up the app, you receive a 12-word recovery phraseGlossarySeed phrase (recovery phrase)A sequence of usually 12 or 24 words from which your wallet derives all its private keys. Anyone who knows the words has full access to your bitcoin – so they belong in an offline backup and never in anyone else’s hands.On the learning path: Stage 5 · Step 3 – Backing up your seed phrase →In the glossary →×.^[2] Anyone who knows it has access to your bitcoin. If you lose both your phone and the phrase, your bitcoin are gone – Relai cannot restore them either. The wallet is a software walletGlossarySoftware walletA wallet in the form of an app on a smartphone or computer. It stores your keys on a device with internet access – convenient and usually without a purchase price, but more vulnerable than a hardware wallet. Good for smaller amounts and for practising.On the learning path: Stage 5 · Step 2 – Setting up your first wallet →In the glossary →× on your phone; for large amounts, Relai itself recommends adding a hardware walletGlossaryHardware walletA small dedicated device that keeps your private keys offline and signs transactions internally. The key never leaves the device, so malware on your computer can’t get at it.On the learning path: Stage 6 · Step 1 – Hardware wallets compared →In the glossary →×.^[2] How to back up the phrase: Backing up your seed phrase.