Top 12 Cheapest Cryptos to Transfer with Low Fees

High transaction fees are the reason why many people stay away from the world of crypto. “20 bucks cut off if I send $20? No, thanks!”

But here is some good news: this is not the case with all cryptocurrencies. Otherwise, they wouldn’t be as popular as they are today. In the article, we’ll explain why some networks charge more than others and share with you 12 of the cheapest cryptos to transfer. Let’s go!

Understanding Crypto Transfer Fees

Disclaimer: If you know your way around crypto, feel free to skip this section and go straight to the list of the 12 cheapest crypto transfer fees. However, if you’re a newcomer to the crypto world and need some extra explanation, stay for more.

You probably know that in traditional finance, banks and card processors charge service fees. Crypto, on the other hand, relies on decentralized finance. But that doesn’t mean transactions are free.

Every time you send crypto, the chosen network initiates the process and validates your transaction. For that, the network requires computing power, internet bandwidth, and data storage. Who covers the costs? Crypto holders do, through transaction fees, also known as network fees or gas fees.

And there are hundreds of such networks out there, each with its own fee structure. Some charge less than a cent, while others may demand several dollars for a single transfer.

What Influences Transaction Fees of Crypto Assets?

#1: Network Traffic

Whenever you order a taxi during peak hours, the prices are ridiculous. But as soon as the traffic dissipates, the rates are back to normal. The same principle applies to crypto:

The more people use a blockchain at the same time, the higher the demand for space in each block.

As a rule, networks tend to be busy during NFT drops, token launches, and market panic.

#2: Blockchain Design

Each blockchain has its own rules. For example, Solana, Tron, or Algorand were originally optimized for low-cost, high-speed transactions. They can withstand thousands of transfers per second, while keeping fees low even during peak activity—a solid reason to be listed among the lowest crypto transaction fees networks. On the contrary, Bitcoin’s and Ethereum’s processing capability per second is far less, so when the network is busy, the fees rise.

#3: Transaction Size and Type

The peer-to-peer (P2P) market is prioritized in the crypto world, which makes the wallet-to-wallet transaction costs very affordable. But once you start interacting with a smart contract, using a DeFi app, or swapping tokens on a decentralized exchange, the fee rises. Why? Because these actions demand more data and processing power, and you’re the one footing the bill.

#4: Cross-Chain and Token Standards

Sometimes when you send crypto, you move it between blockchains or deal with wrapped assets—a version of a token that can exist on another chain. In those cases, you have to pay multiple fees: one to the source network, one to the bridge, and possibly another on the destination chain.

#5: Consensus Mechanism

All crypto transactions have to be confirmed, and for that, a system called a consensus mechanism was created. Bitcoin’s Proof-of-Work (PoW) consumes significant energy during the transaction validation process, and this results in more expensive transactions. Solana’s and Algorand’s Proof-of-Stake (PoS), on the other hand, selects validators based on how much crypto they stake, which cuts down electricity use significantly.

Now that you know the theory of what affects fees, let’s dive into the practical part. Below are some of the top coins known for low-cost transactions and why they consistently stay cheap.

What Is the Cheapest Crypto to Transfer

We’ve put together a short table for you to compare what crypto has the lowest fees and highlighted their unique features.

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Nano (XNO)

The first on the list is Nano, a cryptocurrency that charges no transaction fees. At its core lies a block-lattice architecture, a type of directed acyclic graph (DAG) structure, which makes it possible to conduct transactions without miners or other intermediaries. It works well for small, everyday transactions, but its limited adoption means it’s not accepted as widely as other coins.

Why Nano?

Transaction fee: $0
Key features: Zero fees, almost instant
Best for: Micropayments and frequent transfers

Stellar (XLM)

Next on our list is Stellar, which uses a consensus mechanism called the Stellar Consensus Protocol (SCP). Thanks to this protocol, transactions are processed quickly and securely—important when dealing with cross-border payments.

As of August 2025, Stellar’s minimum fee is just 0.00001 XLM per transaction, equal to approximately $0.0000041. This makes it one of the fastest and most cost-effective alternatives in the crypto world today.

Why Stellar?

Transaction fee: $0.0000041
Key features: Quick and inexpensive cross-border payments
Best for: International transfers and financial inclusivity

Solana (SOL)

Solana (SOL) is a promising blockchain platform, launched in 2020. Since then, Solana has demonstrated a stable ecosystem growth, attracted a large community of developers, and greatly expanded its user base.

It utilizes a Proof of History, combined with a Proof of Stake. This hybrid allows the network to process thousands of transactions per second (TPS). The minimal fee starts at $0.00025 per transaction.

Why Solana?

Transaction fee: around $0.00025
Key features: High-speed, low-cost transactions
Best for: DeFi and NFT users

Algorand (ALGO)

Algorand is another secure platform founded by cryptographer Silvio Micali. It is based on a unique Pure Proof-of-Stake (PPoS) consensus protocol, which requires minimal energy and processes transactions instantly.

Fees are fixed and predictable: just 0.001 ALGO per transaction, or $0.00025. Developers can also use ALGO as a utility token for deploying smart contracts or storing on-chain data.

Why Algorand?

Transaction fee: $0.00025
Key features: Fast, energy-efficient, and final transactions
Best for: Scalable DeFi apps, NFTs, and eco-conscious projects

Litecoin (LTC)

Litecoin (LTC) has been on the market for more than a decade now. It was launched in 2011 by a former Google and Coinbase engineer to complement Bitcoin. While Bitcoin is called “digital gold,” it is often referred to as “digital silver.” The transactions are faster, the fees are lower, and the supply is larger compared to that of Bitcoin.

Litecoin’s maximum supply exceeds Bitcoin's cap by four times and equals 84 million coins. This, of course, directly correlates with the transaction fees. We’d describe Litecoin as a reliable, secure, and relatively cheap network for peer-to-peer payments.

Why Litecoin?

Transaction fee: $0.03–0.04
Key features: Faster block times (2.5 minutes vs. Bitcoin’s 10), higher max supply (84M LTC), and broad exchange liquidity.
Best for: Users seeking a low-cost, reliable digital currency with a long history and strong exchange adoption.

Ripple (XRP)

If you represent a financial institution, then Ripple is a viable option for you. It focuses on improving cross-border payments and runs on the XRP Ledger (XRPL), with its native token XRP.

As we know, most cryptocurrencies serve retail users, but Ripple is enterprise-oriented. Instead of requiring banks to pre-fund foreign accounts to settle payments, financial institutions can purchase XRP in real time, transfer it through Ripple’s network, and convert it into the local currency on the other side. The result: No intermediaries and almost instantaneous settlement.

The transaction costs equal 0.00001 XRP, which converts to approximately $0.00003.

Why Ripple?

Transaction fee: $0.00003
Key features: Serves as a bridge currency, so you don’t need extra bank accounts and can move money across borders instantly
Best for: Banks, remittance providers, and financial institutions

Dash (DASH)

Dash was launched in 2015 and since then has been focusing on protecting users’ privacy. Dash uses the X11 algorithm, which applies 11 different hashing functions for iron security.

One of Dash’s key innovations is CoinJoin, an optional privacy tool that allows users to mix their coins, making crypto transactions harder to trace. This gave Dash its reputation as a “privacy coin.”

Dash is also well-suited for average transactions because it offers low transaction fees—just 0.000036 DASH or $0.0008.

Why Dash?

Transaction fee: $0.0008
Key features: Masternode system, fast confirmations, optional privacy via CoinJoin
Best for: Users who worry about the security of their funds and want to conduct everyday payments in a stress-free way

Bitcoin Cash (BCH)

Bitcoin Cash (BCH) was created in August 2017, as a fork of Bitcoin following long debates about scalability. The debate centered on Bitcoin’s 1 MB block size cap, which limited how many transactions the network could process.

Now, with a larger block size, Bitcoin Cash can process 61–200 TPS compared to Bitcoin’s 3–7 TPS. Fees on BCH are typically just 0.000012 BCH or $0.0066.

Why Bitcoin Cash?

Transaction fee: $0.0066
Key features: 32 MB block size, faster throughput (up to 200 TPS), and native smart contract support
Best for: Everyday payments, international transfers, and all those looking for a Bitcoin-based smart contract platform

NEAR Protocol (NEAR)

NEAR Protocol is another recent newcomer on the crypto market. This layer-1 blockchain was launched in October 2020 with the idea to compete with platforms like Ethereum by providing faster transfers and lower transaction fees for decentralized applications (dApps).

The result is a blockchain where transaction costs are really low. For example, sending NEAR costs about 0.000045 NEAR ($0.0006), while even deploying a smart contract is only around 0.000265 NEAR ($0.000113). Such fees make NEAR one of the cheapest crypto networks to use.

Why NEAR Protocol?

Transaction fee: $0.0006
Key features: Handles many transactions at once (sharding), confirms them almost instantly, and works with Ethereum apps.
Best for: Developers building scalable dApps, DeFi protocols, and cross-chain applications

Zcash (ZEC)

The most crucial feature of Zcash is its use of zk-SNARKs (zero-knowledge proofs). This technology allows transactions to be fully shielded: the sender, recipient, and transaction amount can be completely hidden while still being cryptographically verified by the network. Zcash allows users to choose between transparent transactions, similar to Bitcoin’s, or private transactions with the mentioned zk-SNARK encryption.

As for the transaction fees, sending ZEC costs around 0.0001 ZEC, which translates to $0.0035.

Why Zcash?

Transaction fee: $0.0035
Key features: zk-SNARK privacy, choice between complete anonymity or transparency providing security of your connection
Best for: Users who value privacy and want full control over how much information they reveal in transactions

Monero (XMR)

Monero (XMR) stepped into the market in 2014 with the intention to fix the lack of privacy, which was one of Bitcoin’s weaknesses. They achieved their goal by applying privacy protections by default. Now, the advanced technology shields every transaction, so the sender, recipient, and amount remain hidden, just like with Zcash.

Its block size limit is adaptive, unlike Bitcoin’s fixed one, which allows it to automatically expand the capacity of high transaction volumes that have to be handled. Recently, Monero has been working on integrating the I2P network layer—another obstacle for anyone trying to detect or track Monero usage.

Why Monero?

Transaction fee: Starts at $0.0010
Key features: True financial privacy, fungibility, and accessibility
Best for: Users who prioritize anonymity

Dogecoin (DOGE)

Dogecoin is a prime example of how a famous meme can quickly grow into one of the most recognized cryptocurrencies worldwide. It has several standout advantages:

Faster block times than Bitcoin and Litecoin
Proof-of-Work for mining; each block rewards miners with 10,000 DOGE
Roughly 5.2 billion new coins are created annually, with no maximum supply limit

Dogecoin works best as an inexpensive, fun option for minor payments.

Why Dogecoin?

Transaction fee: $0.03
Key features: Fast payments supported by one of the most active crypto communities
Best for: Routine payments, internet tipping, and micro-donations

Factors to Consider Beyond Fees

Low transaction fees matter, but they’re not the only thing to consider when you choose a coin or network for transfers.

Start by evaluating the speed of transaction and how fast a payment becomes final. In the case of cryptocurrencies, it usually takes from a few seconds to minutes. Way better than some transactions in traditional banks, but if you’re running a business, even one extra minute can make a difference.

Then, look at the security model. Check incidents, how validators/miners operate, and how the protocol handles upgrades. If you’ll use DeFi, take your time to understand how transaction ordering and MEW work.

Consider liquidity and exchange support. Deep markets reduce slippage when you move size or convert to fiat currency. Solid wallets and safe storage options are important too. The crypto you want to use should be compatible with your favorite wallets and payment services.

Check local laws and regulations, since rules vary by country and can impact coins and even exchange listings. If you must stay within a specific global financial system or banking partner’s policy, pick networks and crypto assets they already support.

Finally, assess the developer ecosystem. Strong tooling, active maintainers, and a healthy app catalog usually mean faster fixes, better docs, and more choices for payment methods and financial transactions.

Conclusion

Now that you know the best cryptocurrencies with the lowest transaction fees, transferring funds will be much easier. Choose those that call to you or try them all, but before sending crypto, always review the security of the payment processor you’re using and double-check your network connection before proceeding. After all, the right platform is the one you like the most.

FAQ

What’s the cheapest crypto to transfer?

If your main goal is saving on network fees, these cryptos are worth considering:

Nano (XNO): $0
Stellar (XLM): $0.0000041
Algorand (ALGO): $0.00024
Solana (SOL): $0.00025
Ripple (XRP): $0.00003

Which cryptocurrency has the lowest fees for wallet-to-wallet transfers?

When moving funds from one wallet to another, Nano (XNO) is often considered the best choice because it charges zero transaction fees and processes almost instantly. Other low-cost options include Stellar (XLM) and Algorand (ALGO), which both keep wallet transfers well under $0.001 per transaction. These networks are lightweight, fast, and support quick peer-to-peer transfers.

What is the cheapest crypto to transfer from Coinbase to Binance?

Based on the 12 cheapest cryptos we covered, the standouts are:

Stellar (XLM): About $0.0000041 per transaction
Algorand (ALGO): Fixed fee of $0.00024
Solana (SOL): Around $0.00025 per transaction
Litecoin (LTC): Generally a 3–4 cents per transfer
Ripple (XRP): Typically starts at $0.00003

What’s the lowest-cost coin to send from one exchange to another?

The cheapest coins to move between exchanges are those with fast networks and ultra-low fees. From our list, the top options are the following:

Stellar (XLM): $0.0000041
Algorand (ALGO): $0.00024
Solana (SOL): Around $0.00025 per transfer
Nano (XNO): Zero transaction fees

All four are supported by major trading platforms like Coinbase and Binance.