Atomic Wallet vs Trust Wallet Comparison
In our overall rating Trust Wallet leads with 4.0 out of 5 points, ahead of Atomic Wallet with 3.7. If you care most about support, Atomic Wallet has the better sub-score, while Trust Wallet leads on usability, features, fees, and stability.
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.
Trust Wallet itself is free: no account, no account or subscription fee. Costs only arise with transactions, and the app shows them before you confirm. For swaps in the app, Trust Wallet charges 0.7% according to its own figures, already included in the quoted rate.
| Transaction | Cost at Trust Wallet |
|---|---|
| Downloading and using the wallet | free |
| Sending and receiving crypto | only the network fee of the respective blockchain |
| Swap in the app | 0.7% Trust Wallet fee in the rate, plus network fee and any swap provider fees |
| Swaps between selected stablecoins on the same chain (except Ethereum) | 0% Trust Wallet fee since 27 August 2026, network fee still applies |
| Swaps of selected staked and wrapped tokens on Ethereum, Solana and BNB Chain | 0% Trust Wallet fee since 16 September 2026 |
| Buying crypto via partners such as MoonPay or Ramp | partner fee: often 0.5 to 1.5% by bank transfer, 2.5 to 4% by credit card or Apple Pay |
| Staking | no Trust Wallet fee, rewards vary by network |
| Trust Wallet Premium, Silver and Gold tiers | 10 or 20% off the swap fee (time-limited), network fees paid in TWT 20 to 50% cheaper |
How to save: On a EUR 1,000 swap, EUR 7 goes to Trust Wallet, plus the network fee. Swaps between stablecoins on the same chain carry no Trust Wallet fee. When buying, compare the partner quotes in the app: by bank transfer EUR 1,000 often costs EUR 5 to 15, by card EUR 25 to 40. Our Trust Wallet setup guide shows how to set up the wallet securely; we compare other wallets in our software wallet comparison.
As of 22 October 2026 according to trustwallet.com: wallet comparison (updated October 2026), Buy Crypto page and stablecoin campaign of 27 August 2026.
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
- More than 100 supported networks, including Bitcoin
- Open source code
- Very simple setup with no account
- Biometric unlock and security checks
- Built-in access to decentralised applications
- Owned by Binance: exchange and wallet from the same house
- Desktop functionality well behind the mobile app
- Support reported to be slow
- No deposit protection: self-custody rests with the user
- 0.7% fee per swap in the app, on top of the network fee
Score Comparison
Features
- 1,000+ coins and tokens
- Monero and many non-EVM networks
- Swaps with cashback
- Staking in the app
- More than 100 networks from one app
- Open source
- Mobile-first design
- No account required
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. For swaps in the app, Trust Wallet charges 0.7%, included in the quoted rate; selected stablecoin pairs on the same chain can be swapped without this fee. When buying through partners such as MoonPay, their fee applies, and the app shows it before you confirm. 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 app is among the most beginner-friendly in this comparison: setup in minutes, clear navigation, no account needed. On desktop the extension's functionality falls off noticeably. 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.
More than 100 blockchain networks with millions of tokens are supported, including Bitcoin, Ethereum, Solana and the major EVM chains. NFT management, staking of selected coins, built-in access to decentralised applications, perpetual futures through integrated providers, biometric and PIN unlock and a security scanner that checks transactions before you confirm round this out. 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.
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 | Binance (acquired 2018) |
| Estonia | Headquarters | Estonia |
Verdict
In our overall rating Trust Wallet leads with 4.0 against 3.7 for Atomic Wallet.
For most investors Trust Wallet is therefore the better choice.
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.
Trust Wallet is the most approachable of the major software wallets. The design is built consistently around the smartphone, setup takes a few minutes and no account is required. With more than 100 supported networks it covers more chains than most competitors, including Bitcoin, which sets it apart from pure EVM wallets.
One thing to know: Trust Wallet has belonged to Binance since 2018. That does not change self-custody: keys stay on the user's device and the code is open source. It does remain a concentration question when exchange and wallet come from the same house.
Desktop use is weaker: the browser extension does not match the mobile app in functionality. And as with any self-custody setup there is no deposit protection and no counterparty if the recovery phrase is lost, while support is reported to be slow when needed.