Coinbase charges a fixed dollar fee on small purchases that can represent a very high percentage of your transaction — for example, a $2.99 fee on a $50 purchase equals roughly 6% before the spread is added.
This analysis describes what Coinbase's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The provision creates a graduated cost framework that determines transaction costs across different transaction sizes and payment channels. The authorization to charge different fees by payment method allows Coinbase to structure pricing incentives across its payment options.
Removal of specific dollar-amount fee tiers ($0.99-$2.99) represents a significant transparency reduction, replacing precise pricing with vague 'flat fee' language.
View full change record →A $50 purchase using a debit card could cost you $2.99 in explicit fees (about 6%) plus the ~0.50% spread, making your total effective cost approximately 6.5% — significantly more than the advertised fee rate implies.
How other platforms handle this
We may change our fees and exchange rate spreads at any time by giving you notice in accordance with this Agreement. Changes to fees and exchange rates may take effect immediately or on a date specified in the notice.
You can close your account at any time through the Revolut app, or by emailing us at support@revolut.com. You will still have to pay any charges you've incurred. We may also charge you any cancellation fees that apply to other agreements you've entered into with us (for example, if you cancel your M...
Stripe may revise these General Terms, the Services Terms, and the Fees at any time by posting updated versions to our website or notifying you by email. The updated version will be effective as of the time it is posted or, if we notify you by email, as stated in the email. Your continued use of the...
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"The Coinbase Fee is the greater of a flat fee or a percentage fee based on the transaction amount and payment method. For US Dollar transactions: $0.99 for transactions from $0.00-$9.99; $1.49 for $10.00-$24.99; $1.99 for $25.00-$49.99; $2.99 for $50.00-$199.99. For transactions $200 and over, the percentage fee structure applies. Coinbase may charge a different fee for using different payment methods (e.g. bank account, debit card).— Excerpt from Coinbase's Coinbase Fee Schedule
(1) REGULATORY FRAMEWORK: Tiered flat-fee structures for small consumer transactions implicate CFPB UDAAP authority under Dodd-Frank §1031; state money transmission fee disclosure statutes (e.g., California Financial Code §2062, New York Banking Law §641); and MiCA Art. 68 for EU customers. FinCEN MSB registration requirements (31 CFR §1022) apply to the underlying transaction processing. (2)
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The provision creates a graduated cost framework that determines transaction costs across different transaction sizes and payment channels. The authorization to charge different fees by payment method allows Coinbase to structure pricing incentives across its payment options.
A $50 purchase using a debit card could cost you $2.99 in explicit fees (about 6%) plus the ~0.50% spread, making your total effective cost approximately 6.5% — significantly more than the advertised fee rate implies.
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