Africa is seeing something big: more people are skipping long bank queues, high fees, and unnecessary paperwork.
They manage their money through their phones, and cryptocurrencies are a huge part of that shift.
Why? Because digital currencies offer an alternative. People use them to send money across borders, receive payments from abroad, save, or trade for profit.
With more people in Africa getting internet access, mobile phones, and financial literacy, crypto is becoming part of daily life.
According to Chainalysis, Sub-Saharan Africa received over $100 billion in crypto value between July 2022 and June 2023. Nigeria alone led in peer-to-peer volume globally.
That tells you one thing: Africans aren’t waiting for perfect systems; they’re using what works for them.
But with so many apps out there, which one should you trust with your money?
That’s what we’re answering in this article.
We’re ranking the top 5 best crypto platforms and trading apps that serve the needs of African users: simple, low fees, easy to use, and secure.
And at the very top of the list is ZendWallet.
What Is a Crypto Platform and Trading App?
A crypto platform refers to an online service or application where you can buy, sell, trade, and hold cryptocurrencies. The platform provides tools and services to help you manage your assets. A
A trading app is simply a mobile or desktop application that lets you interact with the platform on the go.
These platforms and apps come with different features, including wallet storage, real-time market tracking, trading tools, and various ways to withdraw and deposit funds.
According to Statista, the number of cryptocurrency users in Africa is projected to reach 53.89 million by 2025, with a user penetration rate of 4.05%.
Nigeria leads the continent, receiving approximately $59 billion in crypto value from mid-2023 to mid-2024.
What to Look for in a Crypto Platform or Trading App in Africa
Let’s break it down. Before you even download any app, here are the key things that matter:
Low fees: You shouldn’t have to lose a chunk of your money to hidden fees, ridiculous spreads, or withdrawal charges.
Ease of use: Whether you’re new to crypto or experienced, the app should be simple enough to use without confusion.
Real-time data: You need to see the live price of a coin, not yesterday’s.
Security: Your money must be protected. Period.
Reliable customer support: When something goes wrong, there should be someone to talk to.
Support for USDT, USDC, and stable off-ramp options: Because most people are using crypto to save in dollars, not just gamble on Bitcoin.
Now, let’s explore the five best crypto platforms and trading apps for low fees, with a focus on ZendWallet’s offerings.
Trading Apps with Low Fees: The Top 5
Let’s go over the best options in Africa right now based on affordability, user experience, and what everyday users need.
1. ZendWallet
ZendWallet stands out as one of the most user-friendly crypto platforms and trading apps in Africa.
Built with simplicity, speed, and affordability in mind, it enables users to deposit, swap, and withdraw crypto easily, without the usual complexities
If you’re looking to swap popular cryptocurrencies like Bitcoin, Ethereum, or USDT, or need to withdraw in stablecoins like USDT or USDC, ZendWallet makes it smooth and fast.
One of ZendWallet’s standout features is its off-ramp payment capability, which allows businesses to pay suppliers and complete transactions using crypto.
Our platform makes it a convenient choice for both personal users and businesses, enhancing the versatility of your crypto portfolio.
Real-time market price tracking is another feature that stands out, allowing users to see fluctuations instantly.
You get clear, visual cues like green and red arrows so you can spot when a coin is rising or dipping.
This makes it easier for traders to stay on top of the market and make informed decisions quickly.
You also get the added benefit of both mobile and desktop versions of the platform, ensuring you have access to your crypto assets no matter where you are.
If you’re on your phone or laptop, ZendWallet lets you manage your assets with ease.
Key Features of ZendWallet
Low Fees
Trading on ZendWallet won’t eat into your profits. You get some of the lowest fees on the market, especially when swapping between stablecoins like USDT and USDC.
It’s perfect for regular users who don’t want their earnings chipped away by charges.
Instant Crypto Swaps
Tired of platforms that make you wait hours or even days for a transaction to go through? With ZendWallet, swaps happen in real-time. Swap Bitcoin, Ethereum, USDT, and more without the long wait or confusing steps.
Built for African Users
ZendWallet speaks your language, literally and figuratively. The platform is created with Africans in mind, focusing on features that work here, like stablecoin-based payments, responsive support, and easy onboarding.
Stablecoin-Based Deposits and Withdrawals
ZendWallet doesn’t directly support converting crypto to local fiat currencies like Naira or Cedis, But it does make crypto trading smoother by allowing you to deposit and withdraw using popular stablecoins (USDT and USDC).
This way, you’re not affected by unreliable fiat exchanges or fluctuating local rates.
Real-Time Market Tracking with Clear Signals
Wondering when a coin is rising or dipping? ZendWallet shows you live updates with easy-to-understand signals.
A green arrow means the price is climbing. A red arrow means it’s dropping. No second-guessing just clear information, as it happens.
Top-Tier Security
You don’t have to worry about your funds being exposed. ZendWallet uses strong encryption and security protocols to keep your data and assets safe at all times.
Pros of ZendWallet
Easy to use for both beginners and experienced traders.
Available on mobile and desktop – switch between devices anytime.
Instant crypto swaps with no delay.
Stablecoin support makes cross-border payments and trading smooth.
Live market prices and simple buy/sell indicators.
Designed with the realities of African users in mind.
Cons of ZendWallet
ZendWallet doesn’t convert crypto directly to fiat (like Bitcoin to Naira), so users who want local currency payouts will need to use third-party platforms.
Currently focused on core stablecoins and popular assets; users looking for rare or newer altcoins may find fewer options.
2. Binance
Binance is one of the largest and most well-known crypto exchanges in the world.
Offering a broad range of cryptocurrencies and competitive low fees, it is a popular choice for many traders across the globe.
Its user-friendly platform is equipped with a range of tools for both beginners and experienced crypto traders.
Key Features of Binance:
Low Trading Fees: Binance offers one of the lowest trading fees in the market, with fees starting at 0.1% per trade.
You can even reduce these fees further by holding Binance Coin (BNB) or using the BNB token for trading fees.
Wide Range of Cryptocurrencies: From Bitcoin to a plethora of altcoins, Binance provides access to hundreds of cryptocurrencies for trading.
Advanced Trading Tools: Binance features advanced tools like margin trading, futures contracts, and derivatives for more experienced traders.
Security Features: Binance uses two-factor authentication (2FA) and other robust security features to protect users’ funds.
Pros of Binance:
Competitive trading fees that can be further reduced with BNB.
Access to a wide variety of coins and advanced trading options.
Highly secure and reliable platform.
Cons of Binance:
Complex interface for beginners.
Some countries have regulations that limit access to Binance, including several African nations.
Limited local support for African users.
3. Coinbase
Coinbase is one of the most widely used crypto platforms in the world. Known for its easy-to-use interface, Coinbase is great for people new to cryptocurrency trading.
It also boasts relatively low fees when compared to other platforms in the same range.
Key Features of Coinbase:
User-Friendly Interface: Coinbase’s interface is designed to be intuitive, making it a great choice for beginners.
Low Fees for Buying: Coinbase charges a flat fee for crypto purchases, making it relatively inexpensive for smaller transactions. However, larger transactions may have a slightly higher fee.
Secure Storage: Coinbase offers insurance coverage on digital assets stored in its wallets, providing extra peace of mind for users.
Education and Resources: Coinbase provides educational resources for new users, teaching them how to safely buy, sell, and store their cryptocurrencies.
Pros of Coinbase:
Easy to use, ideal for beginners.
Secure platform with insurance on stored assets.
Access to a variety of cryptocurrencies.
Cons of Coinbase:
Trading fees can add up, especially for smaller transactions.
Limited payment methods for users in some regions.
4. Luno
Luno is a cryptocurrency platform that has a strong presence in Africa, especially in countries like South Africa, Nigeria, and Kenya. It is ideal for beginner to intermediate traders.
Key Features of Luno:
Low Transaction Fees: Luno charges competitive transaction fees, making it a good option for those who don’t want to pay exorbitant amounts for trading.
Easy Deposits: Luno supports local currency deposits in some African countries, making it easy for users to get started with minimal hassle.
Stablecoin Support: Luno offers the ability to trade with stablecoins like USDT, helping users avoid the volatility of other cryptocurrencies.
Security: Luno features advanced security measures like two-factor authentication (2FA) and cold storage to keep funds safe.
Pros of Luno:
Supports deposits in local currencies (NGN, ZAR, etc.).
Easy-to-use platform.
Low fees and stablecoin trading options.
Cons of Luno:
- Limited cryptocurrency options when compared to global platforms like Binance or Coinbase.
- Some advanced trading features are not available.
5. Yellow Card
Yellow Card is a reliable and user-friendly platform designed specifically for the African market.
It provides services that are ideal for both new and experienced crypto traders, with a focus on supporting local currencies and offering low fees.
Key Features of Yellow Card:
Competitive Fees: Yellow Card keeps transaction fees low, offering transparent pricing that is easy to understand.
Local Currency Support: Yellow Card allows users to deposit and withdraw in various African currencies, such as Nigerian Naira (NGN), South African Rand (ZAR), and others, without the need for complex exchanges.
Security: Yellow Card ensures that all assets are protected through advanced encryption, multi-signature wallets, and two-factor authentication (2FA).
Crypto Education: Yellow Card offers educational content and tools that help users understand cryptocurrency trading, making it a great choice for beginners.
Pros of Yellow Card:
Low fees and transparent pricing.
Local currency support for African users.
Strong security features and customer support.
Cons of Yellow Card:
Limited cryptocurrency options compared to larger platforms like Binance.
Primarily a beginner-friendly platform with fewer advanced trading options.
Choosing the right crypto platform and trading app with low fees is essential for maximizing your profits, especially if you are an active trader.
High fees can eat into your gains, making it harder to generate returns.
That’s why finding platforms like ZendWallet that offer low or no fees for certain transactions can make a huge difference.
Also Read: Top 10 Best Cryptocurrency Exchanges in Ghana for 2025
Frequently Asked Questions (FAQs)
1. What is the number 1 crypto trading platform with low fees?
ZendWallet is the best options for low fees, particularly for African users.
It offers instant crypto swaps, easy deposits and withdrawals, and very low transaction fees, making it the ideal platform for crypto traders looking to save on fees.
2. Is ZendWallet available in Africa?
Yes, ZendWallet is specifically built for African users and provides local support and payment options, making it a great choice for those trading in Africa.
3. How do I swap cryptocurrencies on ZendWallet?
You can easily swap your cryptocurrencies within the app by selecting the “Swap” option. Choose the asset you want to swap, enter the amount, and confirm the transaction. The process is instant, with no hidden fees.
4. Can I deposit and withdraw in fiat currency on ZendWallet?
Currently, ZendWallet supports deposits and withdrawals through stablecoins like USDT and USDC.
Fiat currency deposits and withdrawals are not yet supported, but the platform allows for seamless conversion between cryptocurrencies.
5. What security features does ZendWallet offer?
ZendWallet uses industry-standard encryption methods, along with two-factor authentication (2FA) and secure wallet storage, ensuring your assets are protected from unauthorized access.
Conclusion
In Africa, choosing the right crypto platform and trading app with low fees is essential for ensuring that you can trade crypto effectively and profitably.
While there are numerous platforms to choose from, ZendWallet stands out as the top option, offering low fees, high security, and excellent support for African users.
If you’re serious about crypto trading in Africa, ZendWallet should be your best platform in tradeing cryptocurrency
Start trading today with ZendWallet – where simplicity meets low fees and seamless transactions.
Also Read: ZendWallet: Africa’s Top Choice for Cryptocurrency Exchange
