What are the fees for buying and selling on Coinbase?

Coinbase charges varying fees for buying/selling crypto, including spread (~0.5%), transaction fees (higher for cards, lower for bank transfers), and network fees; using ACH transfers or Advanced Trade can help reduce costs.

Aug 04, 2025 at 07:42 pm

Understanding Coinbase Transaction Fees

When using Coinbase to buy or sell cryptocurrencies, users encounter various types of fees. These fees are not fixed and can vary based on several factors, including the payment method, the transaction size, the cryptocurrency involved, and the user’s location. The primary fee structure on Coinbase includes spread fees, transaction fees, and network fees. Each of these components plays a role in the total cost of a trade.

• Spread fees are built into the price difference between what Coinbase buys and sells an asset for. This spread is typically around 0.5%, though it can fluctuate depending on market volatility and liquidity.
• Transaction fees are charged on top of the spread and are calculated based on the value of your trade. These fees are higher for smaller transactions and decrease proportionally as the transaction amount increases.
• Network fees, also known as miner or gas fees, are paid to the blockchain network to process your transaction. Coinbase collects these on your behalf and passes them directly to the network.

It’s important to note that Coinbase.com and the Coinbase mobile app may display slightly different fee structures due to variations in service offerings.

Fee Structure for Buying Cryptocurrency

When purchasing digital assets on Coinbase, users are charged a combination of the spread and a variable transaction fee. The transaction fee is displayed during checkout and depends on the payment method and transaction amount.

For example:

• If you use a bank account (ACH transfer) in the U.S., Coinbase typically offers the lowest fees. There is no direct fee for standard ACH purchases, but a spread of approximately 0.5% is applied.
• Using a debit card or Apple Pay incurs higher fees, often ranging from 2.49% to 3.99%, due to the instant processing and higher risk associated with card payments.
• Wire transfers may have a flat fee (e.g., $10 for U.S. wires) but offer lower percentage-based costs for large purchases.

To view the exact fee before confirming a purchase:

• Navigate to the Buy/Sell section.
• Enter the amount of cryptocurrency or USD you wish to purchase.
• Select your payment method.
• The platform will display the total cost, fee breakdown, and amount of crypto you’ll receive.

Always review the fee details on the confirmation screen, as fees can change in real time due to market conditions.

Selling Cryptocurrency and Associated Costs

Selling digital assets on Coinbase follows a similar fee model to buying. The same spread and transaction fees apply, though the structure may appear more favorable due to lower perceived costs.

When selling:

• The spread is still included in the price offered by Coinbase.
• Transaction fees are calculated based on the sale amount and payment method.
• If you sell to a bank account, the withdrawal itself is free, but the sale transaction includes the standard fee.
• Selling via instant card payout may incur a small fee (e.g., $0.15 to $0.99) but allows for immediate access to funds.

Example: Selling $500 worth of Bitcoin using a U.S. bank account may incur a transaction fee of 1.49%, plus the spread. The net amount deposited into your bank will reflect these deductions.

To initiate a sale:

• Open the Trade interface.
• Select the Sell option.
• Choose the cryptocurrency and amount.
• Pick your payout method.
• Review the estimated deposit amount and fee details before confirming.

Using Coinbase Pro for Lower Fees

For users seeking lower fees, Coinbase Pro (now rebranded as Advanced Trade) offers a tiered fee structure based on trading volume. This platform is designed for more active traders and provides maker-taker pricing.

Key features:

• Maker fees (for adding liquidity) can be as low as 0.00% for high-volume traders.
• Taker fees (for removing liquidity) start at 0.10% and decrease with volume.
• No spread is added; prices are based on real-time order book data.
• Network fees still apply when withdrawing crypto to external wallets.

To transfer funds between Coinbase and Coinbase Pro:

• Go to the Accounts section.
• Select Transfer between your Coinbase and Advanced Trade accounts.
• Confirm the amount and asset type.
• The transfer is usually completed within minutes and incurs no fee.

Using Advanced Trade requires understanding of limit orders, market orders, and order book dynamics, but it significantly reduces costs for frequent traders.

Additional Costs and Fee Examples

Beyond standard trading fees, users should be aware of other potential charges:

• Crypto conversions: Converting one cryptocurrency to another (e.g., ETH to BTC) incurs the same fee structure as buying/selling.
• Recurring buys: These use the same fee model as one-time purchases but allow cost averaging over time.
• Inactivity fees: Not applicable on standard Coinbase accounts, but Coinbase One subscribers may face fees if monthly trading volume is insufficient.

Example fee breakdown for a $100 Bitcoin purchase using a U.S. debit card:

• Spread: ~$0.50 (0.5%)
• Transaction fee: ~$2.99 (2.99%)
• Total fee: ~$3.49
• Bitcoin received: Based on net amount after fees

For a $1,000 purchase using a bank account:

• Spread: ~$5.00
• Transaction fee: ~$0.99 (0.099%)
• Total fee: ~$5.99
• Lower percentage cost due to higher transaction size

Frequently Asked Questions

Why does my Coinbase fee change between transactions?

Fees vary due to transaction size, payment method, and market conditions. Smaller trades have higher percentage fees, while card payments cost more than bank transfers. The spread also fluctuates with cryptocurrency price volatility.

Are there any hidden fees on Coinbase?

Coinbase discloses all fees during checkout. The spread, transaction fee, and network fee are all shown before confirmation. There are no hidden charges, though third-party bank fees for withdrawals may apply and are outside Coinbase’s control.

How can I minimize fees when trading on Coinbase?

Use a bank transfer (ACH) for purchases, avoid debit/credit cards, trade larger amounts to reduce percentage fees, and consider moving to Advanced Trade for volume-based discounts. Schedule trades during low-volatility periods to benefit from tighter spreads.

Do I pay fees when transferring crypto to another wallet?

Yes, network fees apply when sending cryptocurrency from your Coinbase wallet to an external address. These fees go to the blockchain network (e.g., Bitcoin or Ethereum miners) and vary based on network congestion. Coinbase displays the exact fee before you confirm the transfer.