Atomic Wallet vs Phantom Comparison
Atomic Wallet and Phantom are practically level in our overall rating, 3.7 to 3.8 out of 5 points. If you care most about usability, fees, and stability, Phantom has the better sub-scores, and the two are level in the other areas.
Cost comparison
Atomic Wallet is free, with no account and no subscription. Costs arise when you send (network fee) and when you swap. For swaps, the help article (as of 2023) cites a markup, while the product page for the Cosmos wallet speaks of zero Atomic fees; what counts is the amount the app shows before you confirm. Swaps also earn cashback in AWC, Atomic's token.
| Action | Cost at Atomic Wallet |
|---|---|
| Download and use the wallet | free, no account |
| Send and receive crypto | no Atomic fee, network fee only |
| Swap in the app | according to the help article (as of 2023) 0.5% plus the swap partner's commission, according to the Cosmos wallet product page zero Atomic fees; the estimate before the swap counts, plus AWC cashback |
| Buy with a bank card | purchase fee as quoted in the app |
| Staking | network fee for the transfer to your staking address, rewards vary by network |
How to save: if the markup from the help article applies, 0.5% on a 1,000 euro swap costs 5 euros, plus the partner's commission and the network fee. Compare the amount shown with the market price before you confirm. Larger moves are often cheaper on an exchange with a published fee schedule from our exchange comparison.
Tax: in many countries a swap is a disposal, and staking rewards can count as income. A tool from our crypto tax software comparison keeps the records.
Security: keep the twelve words offline, as described in our guide to storing a seed phrase safely, and move larger holdings to a device from our hardware wallet comparison. More wallets are compared in our software wallet comparison.
As of 27 October 2026 according to atomicwallet.io, the help article on fees (updated 11 September 2023), the statement on 3 June 2023 (updated 12 September 2023) and Elliptic’s analysis of 2 August 2023.
Not enough reviews available.
Pros & Cons
- 1,000+ coins and tokens, Monero included
- No account, no verification for basic features
- Swaps with AWC cashback
- Staking for many coins in the app
- Desktop for Windows, macOS and Linux
- June 2023 incident with reported losses above 100 million US dollars according to Elliptic
- No final cause of the incident (as of the statement of 12 September 2023)
- Swap costs stated inconsistently: 0.5% plus partner commission per help article (as of 2023), zero Atomic fees per the Cosmos wallet product page
- No deposit protection, as with any self-custody wallet
- Best user experience in the Solana ecosystem
- Now supports Bitcoin with Native SegWit and Taproot
- Nine networks from one wallet
- Pairs with hardware wallets
- Built-in verification of trusted applications
- Arbitrum, Optimism, BNB Chain and Avalanche not natively integrated
- Still strongly Solana-oriented
- Markup when swapping in the wallet
- No deposit protection — self-custody rests with the user
Score Comparison
Features
- 1,000+ coins and tokens
- Monero and many non-EVM networks
- Swaps with cashback
- Staking in the app
- Cleanest interface in this comparison
- Network list grown from five to nine chains
- Bitcoin including Ordinals
- Hardware wallet pairing
The five areas head to head
AI AnalysisFees & Costs
Atomic charges no fee of its own for sending and receiving; only the network fee applies. For swaps, Atomic's help article cites a 0.5% markup plus the swap partner's commission, both included in the estimate before you swap (last updated 11 September 2023); the product page for the Cosmos wallet speaks of zero Atomic fees. What counts is the amount the app shows before you confirm. As of October 2026.
The wallet is free; network fees go to the respective blockchain and are negligible on Solana. Swapping inside the wallet carries a markup — for larger amounts it is worth comparing against a swap through an aggregator. As of August 2026.
Usability & User Experience
Setup needs no account, and the basic features need no identity check: set a password, back up twelve recovery words, done. Desktop versions are available for Windows 10 and 11, macOS, Ubuntu, Debian and Fedora, plus apps for iOS and Android. In the German App Store Atomic Wallet is rated 4.4 out of 5 (855 ratings), on Google Play 4.3 (72,300 reviews, 1 million+ downloads), retrieved on 27 October 2026. As of October 2026.
The interface is the cleanest in this comparison and immediately legible to newcomers; transactions on Solana confirm almost instantly. Available as a browser extension and mobile app. As of August 2026.
Features & Offering
According to Atomic, the wallet manages 1,000+ coins and tokens, including Bitcoin, Ethereum, XRP, Solana and Monero, plus NFTs. In the app you swap coins and receive cashback in Atomic's own token AWC, buy with a bank card and stake ETH, ADA, BNB, SOL, TRX, NEAR, XTZ, HBAR and more. Keys and the twelve words are stored encrypted on your device. As of October 2026.
Nine networks are supported, among them Solana, Ethereum, Base, Polygon, Sui and Bitcoin with Native SegWit and Taproot addresses including Ordinals. NFT management, SOL staking, biometric unlock, verification of trusted applications and hardware wallet pairing round this out. As of August 2026.
Stability & Security
The wallet is run by Atomic Protocol Systems OÜ in Estonia; its CEO is Konstantin Gladych, also co-founder of Changelly. On 3 June 2023 users reported funds leaving their Atomic addresses. In its statement Atomic said fewer than 0.1 percent of users were affected and no new cases had been reported since 3 June; as of its update of 12 September 2023, the statement names no final cause. On 2 August 2023 the analytics firm Elliptic put the losses reported by users at more than 100 million US dollars and attributed the incident to North Korea's Lazarus Group. As of October 2026.
Not enough reviews available.
Customer Support
Support is available around the clock via live chat and email, backed by a knowledge base and a YouTube channel with guides. As with any self-custody wallet, support cannot replace lost recovery words, because Atomic has no access to your wallet. As of October 2026.
Not enough reviews available.
Details
| Atomic Protocol Systems OÜ | Company | Phantom Technologies |
| Estonia | Headquarters | US |
Verdict
Both providers are practically level in our overall rating (3.7 to 3.8).
Neither provider reaches 4.0 out of 5 in our rating, so we do not give an unreserved recommendation here.
Atomic Wallet suits anyone who wants to hold many different coins in one app: 1,000+ coins and tokens including Monero, swaps, purchases and staking, on desktop and mobile, without an account and, for the basic features, without verification.
The June 2023 incident is part of the assessment. According to Elliptic, the losses reported by users exceeded 100 million US dollars; Atomic itself speaks of fewer than 0.1 percent of users affected, and as of its update of 12 September 2023 the statement names no final cause. That clearly lowers our stability score.
Our recommendation: Atomic works well for everyday use with many small holdings and for coins other wallets do not list. Larger amounts belong on a hardware wallet as well, and before every swap it pays to check the amount shown.
Phantom made its name as a Solana wallet and still offers the best user experience there: the interface is uncluttered, transactions settle quickly and getting started works without prior knowledge. For anyone active in the Solana ecosystem there is little better.
The wallet is now considerably broader than its reputation suggests: alongside Solana it supports Ethereum, Base, Polygon, Sui and — contrary to common assumption — Bitcoin, with Native SegWit and Taproot addresses including Ordinals. The network list has grown from five to nine chains.
The limit is still clear: Arbitrum, Optimism, BNB Chain and Avalanche are not natively integrated, so anyone active there needs a second wallet. Phantom is not an everything-wallet but a deliberately curated selection. As with any self-custody setup there is no deposit protection and no counterparty if the recovery phrase is lost.