Coinbase is one of the most widely used crypto wallet available. It is the main go-to for people who like to invest in Ethereum (ETC), Bitcoin (BTC), Litecoin (LTC), and Bitcoin Cash (BCH).

People love its user-friendly interface and convenience, but Coinbase comes with some fees you should be aware of. In fact, there’s a fee for every transaction.

If you want to know how the process of Coinbase fees works, including how to avoid them, continue reading this article. We’ve got some tips and information you’re going to need. Also, if you’re wondering if Coinbase is safe or not, check out our guide.

A Breakdown of Coinbase Fees

When you look over the Coinbase user agreement, you might find that the fees are a bit confusing. Plus you have imposed limits and other regulations hidden in the small print.

In this section, we’ll start with the fees.

There is a fee for every transaction you make via Coinbase, whether you’re buying or selling.

Buying Fees

When you are buying BTC through Coinbase, the amount of your fees is automatically added to the total amount of your order.

So, let’s say, for example, you entered $100 into the app as the amount you are wishing to buy. For that transaction, you will be charged 1.49%.

With that added fee, your full total for the $100 transaction will end up being $101.49, which will be charged through your default payment method.

Selling Fees

When you are selling on Coinbase, the fees you’re responsible for will be automatically deducted from the amount you initially entered. In this example, we’ll use $100 again.

If you key in $100 is the amount you’re selling, the fee is 1.49%. Since the fees are automatically deducted, the total amount you are selling the cryptocurrency for is going to be $98.51.

That is also the amount you will see applied for your payment method of choice. However, a full $100 of BTC is going to be removed from your account.

Where You’ll Find Your Fees

Regardless of whether you’re buying or selling BTC, you will always receive an automatic charge for any necessary fees. You will see a full write up off your transactions in digital and local currency in addition to the fees you’re being debited on the confirmation screen.

How Much Money Does Coinbase Charge?

The fees charged by Coinbase are pretty low. But they can add up, especially if you use the service often. You will see the buying and selling fees we described above.

There may also be fixed and variable fees depending on the amount of the transaction. And when your purchases are smaller, there is a flat fee charged.

Here are the flat fees for the smaller transactions:

  • If you are buying or selling in the amount of $10.99 or less, the fee is $0.99
  • If you are buying or selling between $11 and 26.49, the fee is $1.49
  • If you are buying or selling from $26.50 to $51.99, the fee is $1.99
  • If you are buying or selling from $52 to $78.05, the fee is $2.99

Now that we’ve covered the flat fees, here are the variables.

You can make a transaction of up to $200 within the Coinbase system if you use either your bank account or USD wallet to buy or sell cryptocurrency.

However, if you are making a purchase or sale of $201 or more, the variable of 1.49% kicks in.

If you make a transaction of $78.06 or more, with a credit or debit card and then transfer all your proceeds into your PayPal account, you will have to pay a variable fee in the amount of 3.99%.

The Possibility of Bank Fees

On top of the Coinbase transaction fees, you may see some fees outside of your Coinbase account. We’re talking about your bank.

Some users are charged a 3% foreign transaction fee if a transaction is made via a credit or debit card. The 3% is standard for international conversions, but it really depends on your bank.

The reason some people get these charges is that Coinbase works with a company that’s based in London to process its credit and debit card transactions. Just so you can have a clear understanding of what to expect, you should speak with your bank to find out if those are fees you’ll ever need to worry about.

Can You Really Avoid Paying Coinbase Fees?

While Coinbase’s fees are pretty reasonable in comparison to other brokers, it’s still nice to avoid paying them if you can. To start, you will need to start using Coinbase Pro. If you’re unsure what’s the difference between Coinbase and Coinbase Pro, read this article.

While its name implies that it is a version that should only be used for professional traders, don’t allow it to intimidate you. There are a few extra steps while using Coinbase pro, but it isn’t much more difficult than the standard version you are already used to.

The main difference between the platforms is that the standard Coinbase is a broker. In other words, it helps you get access to Bitcoin and it charges you a fee for it.

Coinbase Pro, on the other hand, is an exchange. This means you can freely buy and sell Bitcoin on the open market.

One major bonus here is that if you already have a Coinbase account you also have access to a Coinbase Pro account, you just may not have realized. You will simply log in using your same username and password.

And the fees are vastly different between the two.

Withdrawal Fees

With Coinbase, there isn’t a direct withdraw fee. However, there is a network fee at the time of withdrawing that varies depending on how busy the network is.

To avoid any withdraw related fees, you will need to remove your funds through Coinbase Pro.

Don’t worry, it’s pretty easy to do. Sign into and log in with your Coinbase information.

Next, click on “My Wallets” at the upper right area on the screen and then press “Deposit.”

Enter in the amount of Bitcoin you want to be moved from Coinbase to Coinbase Pro, then when you want to withdraw it, you won’t have to pay any fees.

Buying Fee

If you want to buy Bitcoin with a debit card, you will receive your Bitcoin instantly, but there’s a fee associated with it. But if you are willing to wait for the transfer, use your bank account to avoid the associated fees.

With that said, Coinbase Pro doesn’t charge on because it isn’t a broker. There simply a fee to use your money to buy Bitcoin. On the other hand, there is a trading fee.

Trading Fees

Buying cryptocurrency using a limit purchase or limit order is a simple way to save money on trading fees.

Coinbase Pro utilizes a popular trading module called maker-taker in order to determine its trading fees. Here’s how the module works:

A Maker order is one where you add liquidity. This means your order is added to the order book as either a buy or sell order.

In a transaction as a maker, you will be making your own offers. The buying price you choose should be lower than the current selling price in the limit order.

As a maker, you don’t have to pay a trading fee.

A Taker is when you remove part of the order book. So, you’re either buying or selling to a trade that’s been listed in the order book.

These trades are completed instantly, but you will have to pay a fee between .10% and .30% for this transaction.

Coinbase Spending Limits

Coinbase fees take a bit of time to understand. But while you’re still learning about those parts of the app, it’s also important to understand its spending limits.

You will have limitations on how much you can purchase and sell through Coinbase each week. But keep in mind that this can change with time. Coinbase expands spending limits based on a few different things.

Such as, how long you’ve been trading and how much you’ve traded. They will also look at whether you’ve completed your identity verification with personal details like your government ID and phone number.

Another thing not many people know is that you can do help push along an increase in your limits by adding more financial information to your account. This includes bank accounts, debit cards, and credit cards.

Doing so is also useful if you plan on becoming a heavy investor.

Keep in mind though that these spending limits only apply to Coinbase. You will need to communicate with your bank to find out what your limits are if you have them.

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Coinbase is a great product. But Coinbase fees aren’t worth the hassle. So, go ahead and check out Coinbase Pro to save money on your withdraws, purchases, and trades.

CryptoRyancy is here to help you understand the crypto world and we want to help keep you in the know! So, check out our blog for even more helpful resources, tips, and tricks.

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