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Good question—bitcoin wallets themselves are usually free, especially the software ones. But here's how it breaks down:

  1. Software Wallets (Hot Wallets)

Mobile/Desktop wallets (like Trust Wallet, BlueWallet, or Electrum): Free to download and use.

You only pay network fees (miner fees) when sending Bitcoin—not to the wallet provider.

  1. Hardware Wallets (Cold Wallets)

These are physical devices like Ledger, Trezor, or Coldcard.

You buy the device, usually between $50–$200 depending on the model.

After that, there's no ongoing cost—just network fees when transacting.

  1. Custodial Wallets

Provided by exchanges like Coinbase or Binance.

Free to create, but they might charge withdrawal fees or transaction fees.

So technically, you only “pay”:

If you want a hardware wallet (upfront cost),

Or when you move Bitcoin around (network fees),

Or when using certain platforms with extra fees.