Atomic Wallet vs SafePal Comparison
In our overall rating SafePal leads with 3.9 out of 5 points, ahead of Atomic Wallet with 3.7. If you care most about features and stability, SafePal 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.
The SafePal app is free. Costs arise when you send, in the form of the network fee, and when you swap or buy, which SafePal handles through third-party providers: their fees apply, and under the terms of service SafePal may charge its own fees.
| Action | Cost at SafePal |
|---|---|
| Download and use the app | free |
| Send crypto | network fee of the blockchain |
| Swap and buy in the app | the provider's fees, plus possible SafePal fees under the terms of service |
| S1, S1 Pro, X1 hardware | price and shipping as listed on the website, the app stays free |
How to save: compare the amount shown with the market price before you swap. On a 1,000 euro swap, every percentage point of difference costs 10 euros. 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 can be taxable. A tool from our crypto tax software comparison keeps the records.
Adding hardware: our hardware wallet comparison shows which devices suit you. What the breach means for buyers is covered in our report SafePal data breach of order data, and storing the words in our guide to storing a seed phrase safely. More wallets are compared in our software wallet comparison.
As of 27 October 2026 according to the App Store description, the company page, the terms of service (as of 5 September 2024) and the security notice of 16 August 2026 with the update of 18 August.
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
- 10,000+ cryptocurrencies on 200+ blockchains
- Pairs with SafePal hardware (S1, S1 Pro, X1)
- High ratings on the App Store and Google Play
- From the first Binance Labs incubation program, per safepal.com
- dApp access and exchange link in the app
- Order data breach in August 2026
- Swap and purchase fees set by third-party providers, SafePal fees possible
- As with any self-custody wallet, no deposit protection: custody is your responsibility
Score Comparison
Features
- 1,000+ coins and tokens
- Monero and many non-EVM networks
- Swaps with cashback
- Staking in the app
- 200+ blockchains
- 10,000+ cryptocurrencies
- Software and hardware from one provider
- 4.7 stars on the App Store
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 app itself is free; sending costs the network fee. Swaps and purchases run through third-party providers, and according to the terms of service their fees apply directly between you and that provider. The same terms allow SafePal to charge its own fees for its services, also combined with the provider's fee. So compare the amount shown with the market price before every swap. As of October 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 SafePal app is free; portfolio, swaps, purchases and dApp access sit in one interface. If you own SafePal hardware, you manage it through the same app. In the German App Store SafePal is rated 4.7 out of 5 (1,022 ratings), on Google Play 4.5 (156,000 reviews, 5 million+ downloads), retrieved on 27 October 2026. As of October 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.
According to SafePal, the app manages 10,000+ cryptocurrencies on 200+ blockchains, including Bitcoin, Ethereum and Solana. In the app you buy and swap coins through third-party providers, connect to decentralized applications and can link an exchange such as Binance. Some third-party providers require their own account with identity verification (KYC); according to the terms of service, this data stays with the provider, not with SafePal. For extra security the app pairs with SafePal's own hardware wallets: according to SafePal, the S1 works without any wireless connection, the S1 Pro is its enhanced version, and the X1 is fully open source and connects via Bluetooth. Account and card services in the app are provided through a separate account by the partner Fiat24, which is regulated in Switzerland. As of October 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.
SafePal was founded in 2018 by Veronica Wong and two co-founders and, according to a quote from Binance co-founder He Yi on safepal.com, came out of the first Binance Labs incubation program. Since then it has grown from a hardware maker into a full wallet family. According to the terms of service, the contracting party is SkyGenesis Holdings Limited. On 16 August 2026 SafePal reported unauthorized access to the order data of about 39,798 customers from orders placed between 2 March 2025 and 11 April 2026: name, email address, shipping address, phone number and purchase details. According to SafePal, seed phrases, private keys, wallet passwords and payment data were not affected; SafePal names an authorization flaw in the order-tracking function of a plug-in as the cause. According to SafePal, no evidence has been found that the incident compromised access to wallets or funds. On 18 August SafePal added that individuals claim to own the dataset and are offering it for sale; SafePal says it cannot verify these claims. As of October 2026.
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.
Help is available through the SafePal Academy and the contact page on safepal.com, and after the breach through a dedicated channel with extra staff for affected customers. Lost recovery words cannot be replaced by SafePal either, because only you hold the keys. As of October 2026.
Details
| Atomic Protocol Systems OÜ | Company | SafePal (SkyGenesis Holdings Limited) |
| Estonia | Headquarters | — |
Verdict
In our overall rating SafePal leads with 3.9 against 3.7 for Atomic Wallet.
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.
SafePal is the right choice if you want a very large number of networks in one app and plan to add a hardware wallet later: 10,000+ cryptocurrencies on 200+ blockchains, swaps, purchases and dApp access in one interface, plus devices from the same company. In the German App Store, its 4.7 stars are the highest rating among the four wallets we reviewed: Exodus, Atomic Wallet, Rabby and SafePal.
The August 2026 breach affected order data; according to SafePal, keys and wallet credentials were not affected, and no evidence has been found that the incident compromised access to wallets or funds. SafePal does point out that the affected order data can be used for targeted phishing attempts. If you are affected, treat every message in SafePal's name with extra care; our report on the breach explains the steps.
For swaps and purchases SafePal works with third-party providers, and under its terms of service it may add its own fees. If you swap often, compare the amount shown with the market price first; for long-term holdings, pair the app with a device from our hardware wallet comparison.