This is Coinbase's official fee disclosure page explaining exactly what you'll be charged when you buy, sell, or transfer cryptocurrency on Coinbase.com. The most important thing to know is that Coinbase charges you in two ways at once: a transaction fee (which varies by payment method and transaction size) plus a spread of up to 2% built invisibly into the price you see — meaning the price Coinbase shows you is already marked up before any fee is added. Before you trade, always click 'preview' on any transaction to see the full cost including both the spread and the transaction fee before you confirm.
This document is Coinbase's public fee schedule disclosure for crypto trading and funding services on Coinbase.com, governing the pricing obligations between Coinbase and its retail users under its User Agreement. The most significant obligations include Coinbase's right to charge a spread (typically up to 2%) on buy/sell transactions in addition to a separate transaction fee, with both charges applied simultaneously and calculated at the time of transaction preview. Notably, Coinbase employs a dual-fee structure — combining a spread embedded in the quoted price plus an explicit transaction fee — which is less transparent than a single-fee model and creates effective all-in costs that may not be immediately apparent to users; additionally, fees vary by payment method, with instant bank transfers and debit cards incurring higher fees than standard ACH. The document implicates U.S. consumer financial protection frameworks including FTC Act Section 5 (unfair or deceptive acts or practices) and CFPB oversight of payment services, as well as FinCEN's money services business regulations and applicable state money transmitter licensing requirements. Material compliance considerations include the adequacy of pre-transaction fee disclosure under Dodd-Frank consumer protection standards and whether the spread disclosure satisfies CFPB transparency expectations for prepaid and digital asset accounts.
REGULATORY EXPOSURE: This fee schedule engages FTC Act Section 5 (15 U.S.C. § 45) regarding unfair or deceptive pricing practices, CFPB authority under Dodd-Frank Title X over non-bank financial serv…
REGULATORY EXPOSURE: This fee schedule engages FTC Act Section 5 (15 U.S.C. § 45) regarding unfair or deceptive pricing practices, CFPB authority under Dodd-Frank Title X over non-bank financial service providers, FinCEN money services business regulations (31 CFR Chapter X), applicable state money…
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