Financial & Regulatory Licenses

Exchange	Licenses & Regulation
Coinbase	Chartered by New York State Department of Financial Services for virtual currency.
River	Registered MSB with FinCEN.
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	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	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
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.

Exchange snapshots