The agreement states that Coinbase charges fees on cryptocurrency transactions including purchases, sales, conversions, and transfers. Fee amounts are disclosed at the time of transaction and set out in a separate fee schedule; the agreement states that fees are generally non-refundable.
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
This provision establishes that transaction fee terms are contained in a separate fee schedule document rather than fully within the User Agreement, and that fees are non-refundable except in limited circumstances defined in that separate document.
The updated terms expand Coinbase's authority to liquidate customer assets without notice to cover clearinghouse losses. Previously, liquidation was authorized only if you failed to pay for securities purchased or failed to deliver securities sold. The revised language now also permits liquidation if a transfer of securities into your account at CCM fails or is reversed. This means the platform can use your property to cover losses stemming from incoming transfer failures, in addition to settlement failures on your own trades. The authorization continues to require only that CCM make a demand for payment to Coinbase, without notice to you.
View change record →The updated terms establish procedures for handling protocol upgrades and define Coinbase's role in migrating customer assets to new versions. Under the revised language, by maintaining a Coinbase account, customers are deemed to have instructed Coinbase to conduct Coinbase Supported Migrations on their behalf at times and in manner Coinbase solely determines appropriate. The agreement further states that Coinbase shall not be liable or responsible for any loss resulting from inability to transfer Digital Assets during a migration or from the Asset Transformation itself. This expands Coinbase's authority to act without advance notice while eliminating liability for migration-related losses.
View change record →The updated terms now explicitly disclose Coinbase's fee structure for California residents, establishing a $10 maximum fee for transactions under $200 and a 6% maximum for larger transactions, though actual fees displayed at checkout may be lower based on payment method, order size, market conditions, and location. The revised agreement also clarifies that virtual currency transactions may be irreversible and provides links to procedures for reporting unauthorized transactions, updating contact information, and accessing transaction receipts. Coinbase commits to providing California residents at least 14 days' prior notice of material changes to fees or terms affecting their accounts.
View change record →Added disclosure of spread mechanism, Coinbase's profit model, and explicit right to adjust pricing at any time with only 30-day notice for some changes.
View full change record →This new provision explicitly establishes non-refundable fee policy, limiting user remedies for disputes regarding transaction costs.
View full change record →The agreement states that transaction fees are non-refundable and are governed by a separate fee schedule incorporated by reference. Users should review the current fee schedule prior to executing transactions, as fee amounts are not reproduced in the main agreement text.
How other platforms handle this
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Charge interest on any overdue payments at a rate equal to the Reserve Bank of Australia's cash rate, from time-to-time, plus 2% per annum, calculated daily and compounding monthly.
Calendly will bill the Fees in advance. Customers who qualify for invoice-billing are billed immediately at the start of the Initial Subscription Term...payment of which is due thirty (30) days from the first day of the then-current Subscription Term.
"When you buy, sell, convert, send, or receive cryptocurrency, Coinbase may charge fees. The fees applicable to your transactions are disclosed at the time of the transaction and are set out in our fee schedule available on our website. Fees are non-refundable except in limited circumstances as described in the fee schedule.Excerpt from Coinbase's User Agreement
1) REGULATORY LANDSCAPE: Fee disclosure obligations for consumer financial services engage the FTC Act's requirements for clear and conspicuous disclosure, as well as applicable state money transmission regulations that may impose specific fee disclosure requirements.
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This provision establishes that transaction fee terms are contained in a separate fee schedule document rather than fully within the User Agreement, and that fees are non-refundable except in limited circumstances defined in that separate document.
The agreement states that transaction fees are non-refundable and are governed by a separate fee schedule incorporated by reference. Users should review the current fee schedule prior to executing transactions, as fee amounts are not reproduced in the main agreement text.
ConductAtlas has identified this type of provision across 231 platforms. See the full comparison.
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