Fees and features as of Oct 2026 Checked against vendor pages on October 15, 2026. Fees change; always confirm in the app's order preview.
Neither Coinbase nor Crypto.com publishes a single flat trading fee for simple app buys; both show the total in an order preview. The fixed numbers they do publish are below, with what they cost at $100, $1,000 and $10,000.
Not financial advice. This is a general, educational comparison of features and published fees. It is not a recommendation to buy, sell or hold any crypto asset. Crypto prices are volatile and you can lose money.
Published fees, US (as of Oct 15, 2026)
| Fee | Coinbase | Crypto.com |
|---|---|---|
| Simple buy/sell | Spread + Coinbase fee (preview) | Admin fee (preview) |
| Simple limit order | 1% execution fee (+ Coinbase fee up to 1.875%) | Not published |
| Order-book screen | Advanced: no spread | Not published |
| Debit card top-up | Varies, shown before confirming | 1.49% |
| Apple Pay / Google Pay | Varies | 1.49% |
| New-user card fees | Not published | 0% for up to 7 days (eligible) |
| Send crypto off-platform | Network fee (estimated, shown) | Not published |
| Lightning BTC send | 0.2% | Not published |
| USDT withdrawal | 0.01%, max 20 USDT + network fee | Not published |
| Staking commission | 35% standard (listed assets) | Not published |
| Holding balance | Free | Not published |
| Asset recovery (unsupported coin sent in) | Network fee + 5% of value over $100 | Not published |
Last verified Oct 2026 against official vendor pages.
Every published percentage, worked out
| Fee | $100 | $1,000 | $10,000 |
|---|---|---|---|
| Coinbase limit-order fee (1%) | $1.00 | $10.00 | $100.00 |
| Coinbase fee on limit orders, if charged (up to 1.875%) | up to $1.88 | up to $18.75 | up to $187.50 |
| Coinbase Lightning send (0.2%) | $0.20 | $2.00 | $20.00 |
| Coinbase USDT withdrawal (0.01%, cap 20 USDT) | $0.01 | $0.10 | $1.00 |
| Crypto.com card / Apple Pay / Google Pay top-up (1.49%) | $1.49 | $14.90 | $149.00 |
| Spread (Coinbase) or admin fee (Crypto.com) on a simple buy | Shows on preview | Shows on preview | Shows on preview |
| Network fee on any send | Shows before you send | Shows before you send | Shows before you send |
Last verified Oct 2026 against official vendor pages.
Dollar figures are the published rate times the amount, rounded to the cent. The 20 USDT cap only starts to bite at 200,000 USDT, so it doesn't change these examples.
Fees that scale, and fees that don't
Every number above is a percentage, so it grows in line with your amount: a 1% fee is ten times bigger on $1,000 than on $100. The fees that don't scale the same way are the ones you can't see in advance. Network fees depend on the blockchain and how busy it is, not on how much you send, so on a small send a network fee can be a large share of the amount. Coinbase also says the fee it charges is an estimate of the network fee and that the final cost it pays can differ, for example when it batches transactions.
How to read a preview like a fee table
- Enter the exact amount you plan to spend.
- Note the total you pay and the amount of crypto (or dollars) you will receive.
- On Coinbase, tap the tooltip next to the price to see the spread; on limit orders, look for both the 1% fee and the Coinbase fee in the fee breakdown.
- On Crypto.com, note the admin fee line on the trade preview and, for card top-ups, the 1.49% card fee on the confirm screen.
- Divide total fees by the amount to get your real percentage, and compare that across apps for the same amount on the same day.
The same $1,000 on Coinbase, three ways
- Simple market buy: spread plus Coinbase fee, both on the preview. No fixed number is published.
- Simple limit order: $10 limit-order fee (1%), plus up to $18.75 if the 1.875% Coinbase fee applies, so up to $28.75 in total.
- Coinbase Advanced: no spread, because you trade against the order book. The Advanced trading fee itself is not on the page we checked, so we mark it Not published.
The takeaway is not which one to pick, but that the "simple" screen's limit order is the one route with a known, fairly high cost.
Fees we looked for and couldn't find
Being clear about gaps is as useful as the numbers. On the official pages we checked on Oct 15, 2026, we could not find:
- A fixed percentage for simple buys on either exchange.
- The price of Coinbase One or Crypto.com Level Up.
- Crypto.com's withdrawal fees, staking commission or limit-order fees.
- Coinbase's fee for a debit-card or bank purchase as a fixed number (it says the fee depends on the payment method).
- Coinbase's instant-unstake fee as a number (disclosed at the time you request it).
Where these matter to you, open the app and preview before you commit. If an article elsewhere quotes an exact figure for them, ask where it comes from.
A year of routine costs, worked
- Topping up Crypto.com with $100 by debit card each month: 12 × $1.49 = $17.88.
- Sending $100 of bitcoin over Lightning from Coinbase each month: 12 × $0.20 = $2.40.
- Placing one $1,000 simple limit order on Coinbase each month: 12 × $10 = $120 in limit-order fees, before any Coinbase fee.
Catches the headline numbers hide
- Your bank can add a fee. Crypto.com says card issuers may charge on top of its 1.49%.
- Subscriptions have exceptions. Coinbase One's zero trading fees don't cover the 1% limit-order fee, and a spread may still apply.
- Tests and regions. Coinbase says it tests fee and spread changes and that its disclosed fees don't apply in all regions.
- Waivers expire. Crypto.com's 0% card fees last up to 7 days after verification and exclude stablecoin trades.
- Two-step costs. On Crypto.com, a card top-up fee and a separate admin fee on the purchase can both apply.
Pros and cons of each fee model
Coinbase's model
Pros
- Many fee types published with exact percentages.
- A no-spread screen exists for those who want it.
Cons
- No flat percentage for simple buys.
Catches
- Limit orders on the simple screen stack two fees.
Crypto.com's model
Pros
- One flat, predictable funding fee for card users.
Cons
- Few other fixed fees published on the pages we checked.
Catches
- The variable admin fee can change with volatility and liquidity.
Who this table is for
It's for anyone who wants to know which costs are fixed in writing before opening an app. It isn't a ranking: we can't say which exchange is cheaper overall, because the biggest cost on a simple buy (spread or admin fee) is only shown on each preview. For the bigger picture, see exchanges for beginners and Coinbase vs Crypto.com.
Some links on this page may become affiliate links. We may earn a commission at no cost to you; it never changes our picks. Details
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FAQ
Which exchange has the lowest fees?
There's no single answer: simple-buy pricing on both depends on order size, asset and payment method. Compare the preview totals for the same amount.
Why don't you list a percentage trading fee?
Neither exchange publishes one fixed percentage for simple app trades on the pages we checked, so we don't invent one.
How much is a 1.49% fee on $10,000?
$149.00. On Crypto.com, $10,000 is also the monthly card top-up limit.
Is the Coinbase network fee a percentage?
No. Coinbase charges an estimate of the prevailing network fee, shown before you send. It depends on the network, not on a published percentage.
What does it cost to recover a coin sent to Coinbase by mistake?
Coinbase charges a network fee for the attempt and, for recoveries worth over $100, 5% of the value above $100.
How do I work out my real fee percentage?
Add up every fee on the preview, divide by the amount you are spending, and multiply by 100.
How we checked
On October 15, 2026 we re-read each official page listed under Sources and copied only the numbers and rules stated there. Worked examples are simple arithmetic on those published rates; where a fee is variable (spreads, admin fees, network fees), we say it shows on the order preview instead of guessing. Anything we could not confirm is left out or marked "Not published". We did not open accounts or place trades for this guide, and nothing here is investment advice.
Sources
- Coinbase pricing and fees disclosures: https://help.coinbase.com/en/coinbase/trading-and-funding/pricing-and-fees/fees
- Crypto.com: Does Crypto.com charge fees for crypto purchases?: https://help.crypto.com/en/articles/4494840-does-crypto-com-charge-any-fees-for-crypto-purchases
- Crypto.com: Top up USD account via debit card, Apple Pay, Google Pay: https://help.crypto.com/en/articles/9305828-top-up-to-usd-account-via-debit-card-apple-pay-and-google-pay
- Crypto.com: New user card fee waiver: https://help.crypto.com/en/articles/4751883-new-user-card-fee-waiver
Everything above comes from these official pages as of Oct 2026. Claims we couldn't confirm there are left out.