Best Apps to Buy Meme Coins
Which app to install to buy a meme coin such as FLOKI, PEPE or BONK, and whether it works where you live. Ten apps compared on coin coverage, card funding, fees and US, UK and EU access, checked in September 2026.
Three kinds of app sell meme coins
The right app is one that lists your coin and is allowed to serve you where you live. Those two checks matter more than the fee. If no app in your country lists the coin, you have to buy it on-chain from a wallet instead, which is a different process; our how to buy meme coins guide covers both routes.
Apps that sell meme coins fall into three groups. They differ in who holds the coins after you buy, how you pay, and how new a coin they can reach.
Exchange apps
Coinbase, Kraken, Robinhood, Binance, Bybit, MEXC, Gate and others. You open an account, verify your identity, pay by card or bank transfer and buy from the exchange. The exchange holds the coins until you withdraw them. They list established meme coins, and only after a listing review.
Wallet apps with swaps
Self-custody wallets such as Phantom, MetaMask, Trust Wallet and the separate Robinhood Wallet app. You hold the recovery phrase, and a built-in swap trades against on-chain pools, so almost any token with a pool is in reach. You pay network and swap fees, and nobody can reverse a transfer to a wrong address.
Memecoin-first apps
Moonshot and fomo sell on-chain meme coins for a card or Apple Pay payment and keep the wallet in the background. They reach tokens that exchanges have not listed yet, at a higher fee per trade. For faster on-chain tools, see our trading bots guide.
The FLOKI example: As of September 2026, FLOKI trades in the Coinbase, Kraken, Robinhood, Binance.US, Binance, Bybit, MEXC and Gate apps, so for most readers an exchange app is the simplest route. The FLOKI how-to-buy page lists every venue we track for it.
Meme coin apps compared (September 2026)
Ten apps from the venues we track, grouped by who can use them. Each fact comes from the venue's own website, help centre, fee page, public market data or app store listing. Where a venue does not publish a figure, the table says so instead of guessing.
| App | Platforms | Meme coins and chains | Card and bank funding | US, UK and EU | Fees |
|---|---|---|---|---|---|
 Coinbase | iOS, Android; Advanced trading inside the same app | All six (US listings checked) | US: debit card, bank (ACH), PayPal, Apple Pay, Google Pay. UK and EU: card and bank transfer | US, UK and EU countries are all supported | Simple buy: spread plus a fee that varies with payment method and order size, shown before you confirm; no rate published. Advanced: no spread |
 Kraken | iOS, Android; Kraken Pro is a separate app | All six | US: bank (ACH) free, debit card only at 3.75% + $0.25. UK: Faster Payments, card. EU: SEPA free, card at 3.75% + €0.25 | US except New York and Maine; UK (FCA-regulated); EU (MiCA licence from the Central Bank of Ireland) | App: 1% on instant buys, plus a spread. Kraken Pro: 0.40% maker, 0.80% taker at the entry tier |
 Robinhood | iOS, Android | US: all six (FLOKI not in New York). EU: all six have buy pages. UK: coin list not published | US: bank transfer, instant transfer, debit card. UK and EU: bank transfer only | Every US state; EU through Robinhood Europe (Lithuania); UK since August 2026, with no crypto transfers in or out | US: no commission; the cost sits in the spread (Robinhood discloses $0.95 per $100 routed to market makers). EU: 0.95%. UK: no trading fee, 0.10% currency conversion (0.30% at weekends) |
 Binance.US | iOS, Android | All six; WIF against USDT only | Bank (ACH) with no fee, debit and credit card, Apple Pay, Google Pay, wire. Card deposits carry a 7-day withdrawal hold | US only, and not in 12 states, including New York, Texas and Georgia | One-click buy: fee and spread shown at preview; not published. Spot: 0% maker, 0.01% to 0.02% taker |
 Binance | iOS, Android | All six; Gate cites 5,200+ coins | Card, bank transfer, SEPA Instant, Apple Pay, Google Pay, P2P | Not US. EU through Gate Europe (MiCA licence, Malta). UK: separate Gate UK app; status not verified | Spot: 0.1% maker, 0.1% taker (0.09% paying in GT). Card fee: not published |
 Bybit | iOS, Android; not in the UK app stores | All six; MEXC cites 3,000+ coins | Card at a 2% fee (Visa, Mastercard, 38 countries), third-party providers, SEPA, P2P | Not US, UK or Canada. No EU licence published | Spot: 0% maker, up to 0.05% taker, varying by region. Card purchases: 2% |
 MEXCRead our review | iOS, Android; not in the US App Store | All six | Visa and Mastercard cards, Apple Pay, Google Pay, bank transfer, P2P, depending on region | Not US (Binance.US is separate). UK: closed to new users since October 2023. EU: withdrew its MiCA application in Greece in June 2026 and says it will apply in another EU country | Spot: 0.1% maker, 0.1% taker (0.075% paying in BNB). Card fee: not published |
 GateRead our review | iOS, Android; the EU uses a separate Bybit.eu app | Global app: all six. Bybit EU: DOGE, SHIB, PEPE, BONK, WIF; no FLOKI | Visa, Mastercard, Apple Pay; P2P; bank transfer in some currencies | Not US. UK: not on its restricted list, and it publishes a UK risk notice. EU through Bybit EU (MiCA licence, Austria) | Spot: 0.1% maker, 0.1% taker; Bybit EU 0.10% maker, 0.25% taker. Card: 1.1% in the EU, 2.7% to 3.05% elsewhere |
 MoonshotRead our review | iOS, Android | Solana tokens only, such as BONK and WIF; not the Ethereum versions of PEPE or FLOKI | Card, Apple Pay and bank transfer through MoonPay, Coinbase, Robinhood and other partners, by region | In the US, UK and EU App Stores; its terms publish no country list | 2.5% on $2 to $100 trades (about $0.99 minimum), 1% above $100; partner deposit fees extra |
 TryFomo | iOS, Android, web | Any token on Solana, Ethereum, Base, BNB Chain, Monad and Robinhood Chain | Debit card, Apple Pay, USDC deposits | In the US and EU App Stores; not in the UK App Store when we checked | Not published as a rate: shown before you confirm each trade |
The table runs from apps that serve the US, to international exchange apps ordered by the number of coins they list, to memecoin-first apps. Gate and MEXC sit at the top of their group because they list the most coins, not because they pay us. Gate, MEXC, Moonshot and fomo pay us a commission through these links; the other links are untracked. Neither changes the facts shown.
Sources, checked 15 September 2026: Coinbase fee and payment-method help pages and supported-countries page; Kraken fee schedule, deposit-options table and licensing page; Robinhood coin-availability page, order-routing disclosure, US and EU fee schedules and UK launch notice; Binance.US fee page, card help pages and supported-states list; Gate fee, buy-crypto, licences and user-agreement pages; MEXC terms, card guide and public API; Binance fee schedule, card FAQ, region list, UK notice of October 2023 and European update of June 2026; Bybit fee, bank-card and restricted-countries pages, and the Austrian FMA register; Moonshot support pages (fees, deposits, supported coins) and terms; fomo terms and deposit guide; Apple App Store and Google Play listings.
Some links in this table are paid affiliate links. Full affiliate disclosure
Which apps work in the US, the UK and the EU
An app being in your country's app store does not mean you are allowed to use it. Bybit, MEXC and Gate apps appear in the US App Store even though their terms exclude US residents. Read the venue's list of restricted countries, not the store.
United States
Coinbase, Kraken and Robinhood all list DOGE, SHIB, PEPE, FLOKI, BONK and WIF. Kraken does not serve New York or Maine, Robinhood does not offer FLOKI in New York, and Binance.US is unavailable in 12 states, including New York, Texas and Georgia. Binance, Bybit, MEXC and Gate exclude the US in their terms. Cash App sells bitcoin and stablecoins only. For Solana tokens no exchange has listed, US readers can use Moonshot, fomo or a wallet app, including the separate Robinhood Wallet app, which swaps tokens on Ethereum, Solana, Base and other networks.
United Kingdom
Crypto firms serving UK customers must be registered with the FCA; check the FCA register before depositing. Coinbase and Kraken serve the UK, Kraken as an FCA-regulated firm. Robinhood launched UK crypto trading in August 2026, but coins cannot be moved in or out of the app. Bybit does not list the UK as restricted and publishes a UK risk notice. MEXC excludes the UK, Binance stopped accepting new UK users in October 2023, and fomo was not in the UK App Store when we checked.
European Union
Under MiCA, a crypto firm licensed in one EU country can serve the others, and ESMA publishes the register of licensed firms. Kraken (Ireland), Bybit EU (Austria), Gate Europe (Malta) and Robinhood Europe (Lithuania) operate from EU entities. Coin lists can be shorter than the global app's: Bybit EU does not list FLOKI. In June 2026 Binance withdrew its MiCA licence application in Greece and said it will seek authorisation in another EU member state.
Do not route around a country block
Opening an account from a country that the terms exclude, with a VPN or a false address, breaks those terms. The venue can freeze or close the account when it finds out, with your coins inside.
How to pick an app
Start from the coin, not the app. Each coin page has a where-to-buy table with every venue we track for it: see the pages for FLOKI, PEPE, BONK and WIF. Then check four things.
It lists your coin, in your region
The same brand can list different coins in different places. Bybit's global app lists FLOKI and Bybit EU does not; Robinhood lists FLOKI in the US except in New York. Check the listing from inside the app after you sign up, before you deposit.
Who holds the coins
An exchange app holds your coins, so it can freeze them and you depend on its security. Moonshot and fomo give you a self-custody wallet run through Turnkey and Privy, and fomo lets you export its keys. A wallet app gives you the recovery phrase, and with it all the responsibility.
Fees and the spread
The one-tap buy screen is usually the most expensive way to buy in any app. Kraken charges 1% plus a spread on instant buys; Coinbase's simple buy adds a spread that Coinbase Advanced does not. Paying by card adds more: Kraken's card deposits cost 3.75% + $0.25 against free bank transfers.
Withdrawals
Check that you can move the coin out, and on which network. Robinhood's UK app does not allow crypto transfers at all. Binance.US holds withdrawals for 7 days after a card deposit. The withdrawal fee and minimum are shown in the app before you send.
The short version
For an established coin like FLOKI, DOGE or PEPE, use an exchange app that is licensed where you live and pay by bank transfer. For a Solana token no exchange lists yet, a memecoin app or a wallet app is the only route, at a higher fee per trade.
How to buy a meme coin in an app, step by step
The steps below use FLOKI on an exchange app, because that is what most people searching for an app to buy Floki are trying to do. The FLOKI how-to-buy page covers the on-chain route as well.
Find which apps list the coin where you live
Open the coin's how-to-buy page and compare its venue list with the regions column in the table above. For FLOKI in the US, that means Coinbase, Kraken (not New York or Maine), Robinhood (not New York) or Binance.US in the states it serves.
Install the app from the official website
Go to the venue's website from your own bookmark and follow its App Store or Google Play link. On the store page, check that the developer name matches the company named on the website before you tap install.
Create the account and turn on two-factor login
Regulated exchange apps ask for identity documents before the first purchase. Use an authenticator app for two-factor login rather than SMS where the app offers it.
Add money by bank transfer if you can wait
Bank transfers are usually cheaper than cards. On Kraken, a US bank deposit (ACH) is free and a debit card deposit costs 3.75% + $0.25. A card is faster; decide whether the speed is worth the fee.
Search by name and ticker, and check it is the right coin
Look-alike tokens share names. Binance's price page at the plain 'floki' address is a different token that Binance does not list; the real Floki Inu sits under 'floki-inu'. In the app, confirm the full name reads Floki (or Floki Inu) and the ticker reads FLOKI.
Preview the order and start small
Enter an amount and read the preview: the price you get, the fee, and the total. The gap between that price and the market price is the spread. Make a small first purchase and confirm it appears in your balance.
Decide where the coin will stay
Leaving FLOKI on the exchange is simplest, but the exchange holds it. To hold it yourself, withdraw to your own wallet on the network that wallet uses, and send a small test amount first. A transfer on the wrong network can be lost.
FLOKI runs on two networks
FLOKI exists on Ethereum and on BNB Chain. When you withdraw it from an exchange app, pick the network your receiving wallet supports and copy the address from that wallet, never from a message or a web page.
Fake apps, look-alike publishers and seed-phrase phishing
App store review does not stop every fake crypto app. The checks below take a minute and are the difference between a working app and one built to empty your wallet.
Fake apps reach the official stores
In 2024 Check Point found a fake WalletConnect app on Google Play that stayed up for more than five months, was downloaded over 10,000 times and drained about $70,000. In February 2025 Kaspersky reported SparkCat, malware inside App Store and Google Play apps that scanned photo galleries for screenshots of recovery phrases.
Verify the publisher before you install
Compare the developer name on the store page with the company that runs the app. When we checked, Phantom was listed by Phantom Technologies, MetaMask's iOS app by ConsenSys, Moonshot by Buy Moonshots, Inc. and fomo by FOMO Labs Inc. Open the store page from a link on the official website, never from an advert or a direct message.
Beta builds and sideloaded apps
The FBI warned in 2023 that criminals pass fake crypto investment apps around as beta-test builds, which skip app store review. Do not install a crypto app from a test invitation, a file sent in a chat, or a website other than the venue's own.
Support staff do not message you first
Scammers pose as app support on X, Telegram and Discord and offer to fix a stuck deposit. Real support answers inside the app or through the help centre, and it never needs your password, login codes or recovery phrase.
Nobody legitimate asks for your recovery phrase
Phantom, MetaMask, Trust Wallet and Moonshot all state that their support will never ask for your recovery phrase. Anyone who does is trying to take the wallet. Write the phrase on paper, never photograph it, and read our risk management guide before you size a meme coin position.
Not financial advice
This guide compares apps and what they charge. It is not a recommendation to buy meme coins, which are highly volatile and can lose all their value. Listings, fees and country coverage change; check the app's own pages before you buy.