Transaction Fees

A look at the transaction fees for each exchange, both spread and commission.

• Spread fee: Exchanges may charge a higher price than the actual price of Bitcoin.
• Fee: Exchange fee for the transaction.
• Total fees: The sum of the spread fee and the fee.

Exchange	Spread Fee	Fee	Total Fees
River	0.3%	1.0%	1.3%
Gemini	0.5%	2.99%	3.49%
Coinbase	1.0%	2.99%	3.99%

Actual fees may vary. Fees are subject to change. Fee estimates based on our research and testing. Some exchanges may charge less depending on volume.

Estimated Fees on $100

An estimate of the fees for buying $100 worth of Bitcoin using a bank account.

Exchange	Total Cost on $100
River	1.3
Gemini	3.49
Coinbase	3.99

Financial & Regulatory Licenses

Exchange	Licenses & Regulation
Coinbase	Chartered by New York State Department of Financial Services for virtual currency.
River	Registered MSB with FinCEN.
Coinbase Advanced	Chartered by New York State Department of Financial Services for virtual currency.
Unchained	NMLS ID 1900773. Loans originated through Lead Bank (FDIC member).
Gemini	New York State Department of Financial Services (NYDFS).

Deposit Fees

These are fees exchanges may charge for deposits. Fees are subject to change.

Exchange	Deposit Fees
Coinbase Advanced	ACH: Free Wire: $10 USD SEPA: €0.15 EUR SWIFT: Free
Coinbase	ACH: Free Wire: $10 USD SEPA: €0.15 EUR SWIFT: Free
Gemini	ACH: $0 Wire: $0 SEPA: $0 SWIFT: $0
River	ACH: $0 Wire: $0

Some exchanges may charge fees when you deposit or withdraw Bitcoin from their platform. These fees can vary based on network congestion and the exchange's policies.

Exchange	BTC Deposit Fees	BTC Withdrawal Fees
Coinbase Advanced	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
Coinbase	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
Gemini	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
River	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.

Mobile App Support

Exchange	iOS App	Android App
Coinbase
River
Coinbase Advanced
Unchained
Gemini

Earn Interest & Rewards

The following table shows interest rates offered by exchanges.

Exchange	Interest Rate & Details
Coinbase	4.70% Earn 4.70% APY rewards by holding USDC on Coinbase. USDC is fully backed 1:1 by US dollars. Minimum $1.
River	3.8% Earn 3.8% interest on FDIC-insured cash, paid out in Bitcoin. No fees or minimums. Withdraws allowed anytime.
Coinbase Advanced	4.70% Earn 4.70% APY rewards by holding USDC on Coinbase. USDC is fully backed 1:1 by US dollars. Minimum $1.

Exchange snapshots