Which bitFlyer payment method costs the least?

Bank transfer: ACH deposits are free; wire deposits are free and wire withdrawals carry a flat fee of about $20. It is also the slowest, because the order completes when the transfer settles.

What does a $1,000 card order cost at Anytime Capital?

From $40 all-in before the network fee, with the crypto you receive shown before you confirm. bitFlyer routes card purchases elsewhere, so its total is whatever that partner shows in checkout.

Which costs less on bitFlyer, Lightning or Buy/Sell?

Almost always Lightning. It charges an explicit 0.10% at the entry tier and less with volume, while Buy/Sell prices in a spread bitFlyer discloses as 0.1% to 6.0%. The trade-off is that Lightning is an order book, so you place limit or market orders yourself.

Can I switch from bitFlyer to Anytime Capital without moving my crypto?

Yes. Withdraw from bitFlyer to a wallet you control (or leave it there), create an Anytime Capital account, verify once, and paste any wallet address at checkout. Nothing you already hold needs to move.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at every compliant platform.

Fees

Our pick

bitFlyer fees, explained line by line

Q: Does bitFlyer have hidden fees?

Not hidden, but layered: no card, Apple Pay or Google Pay purchases in the U.S.; the Buy/Sell screen prices in a spread that bitFlyer discloses as anywhere from 0.1% to 6.0% depending on market conditions, and the money must arrive by ACH or wire first, plus a fixed per-coin network fee on crypto withdrawals; USD withdrawals by ACH are free. Read the confirmation screen, not the marketing page.

Q: How does Anytime Capital pricing compare with bitFlyer?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. bitFlyer prices no card, Apple Pay or Google Pay purchases in the U.S.; the Buy/Sell screen prices in a spread that bitFlyer discloses as anywhere from 0.1% to 6.0% depending on market conditions, and the money must arrive by ACH or wire first, with a fixed per-coin network fee on crypto withdrawals; USD withdrawals by ACH are free. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Every platform quotes one number and charges several. Here is what bitFlyer actually takes on a purchase, what it leaves out of the headline, and what the same order costs at Anytime Capital.

bitFlyer: no card, Apple Pay or Google Pay purchases in the U.S.; the Buy/Sell screen prices in a spread that bitFlyer discloses as anywhere from 0.1% to 6.0% depending on market conditions, and the money must arrive by ACH or wire first
Trading: 0.10% maker and taker at the entry tier on bitFlyer Lightning for U.S. accounts, stepping down toward 0.03% with 30-day volume
Anytime Capital cards from 4%, shown in full before you pay

Buy Bitcoin now Call (470) 748-2530 Talk to the OTC desk

Updated September 2026. bitFlyer figures from its published pricing, terms and independent reviews.

FinCEN-registered U.S. money services business
Atlanta branch · Miami office
8,000+ completed trades
FDIC-insured cash account

Quick answer

How much does bitFlyer charge?

bitFlyer charges no card, Apple Pay or Google Pay purchases in the U.S.; the Buy/Sell screen prices in a spread that bitFlyer discloses as anywhere from 0.1% to 6.0% depending on market conditions, and the money must arrive by ACH or wire first. Trading fees are 0.10% maker and taker at the entry tier on bitFlyer Lightning for U.S. accounts, stepping down toward 0.03% with 30-day volume. Bank transfers: ACH deposits are free; wire deposits are free and wire withdrawals carry a flat fee of about $20. Withdrawals: a fixed per-coin network fee on crypto withdrawals; USD withdrawals by ACH are free. Blockchain network fees are added on top. Anytime Capital card, Apple Pay and Google Pay orders start from 4% with the full price on screen before you confirm.

Buy Bitcoin now Call (470) 748-2530 Talk to the OTC desk

Layered
bitFlyer pricing structure
Compared platform
3
separate fee lines at bitFlyer
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

Card pricing at Anytime Capital, where bitFlyer has no card rail

Published fee percentages on a debit or credit card order

bitFlyer does not sell crypto for a card payment directly: no card, Apple Pay or Google Pay purchases in the U.S.; the Buy/Sell screen prices in a spread that bitFlyer discloses as anywhere from 0.1% to 6.0% depending on market conditions, and the money must arrive by ACH or wire first. Anytime Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.

What bitFlyer charges, in order

bitFlyer USA has two fee schedules, and which one you land on decides everything. The Lightning order book charges makers and takers 0.10% at the entry tier, stepping down toward 0.03% as your 30-day volume rises, which puts it alongside Kraken and Coinbase Advanced for a bank-funded trader. The Buy/Sell screen, the one the app opens to, charges no commission and instead quotes a price with a built-in spread that bitFlyer discloses as anywhere from 0.1% to 6.0% depending on market conditions and the asset.

Funding is by bank transfer only. ACH deposits and withdrawals are free, wire deposits are free, and wire withdrawals carry a flat fee of about $20. Crypto withdrawals are a fixed per-coin network fee. There is no card fee because there are no cards, no Apple Pay markup because there is no Apple Pay, and no cash rail at any price.

Anytime Capital's card, Apple Pay and Google Pay pricing starts from 4% with the spread included, with the amount you pay and the crypto you receive shown before you confirm, and same-day wire orders through the OTC desk are quoted individually. It is one all-in number, rather than a fee line on one screen and a spread that moves with the market on the other. Screenshot both checkouts on the same $1,000 order and compare how much crypto lands, because bitFlyer's spread does not appear as a line item.

Network fees, spread, and the number that matters

Both platforms add the blockchain network fee to send your coins. What differs is how the price is presented. bitFlyer's schedule is spread across trading, deposit and withdrawal lines. Anytime Capital shows one number for what you pay and one for what you receive. The second number is the only one worth comparing: screenshot both checkouts on the same $1,000 order and look at how much crypto lands.

A front door, not a chat window

bitFlyer is built to be used through a screen. We are built to be visited. Bring cash, bring questions, or bring a problem another platform could not solve.

Atlanta branch: 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324
Hours: Mon–Fri 10am–5pm · Sat 10am–2pm
Phone: (470) 748-2530

Anytime Capital branch storefront on Piedmont Road in Atlanta — Atlanta branch, Piedmont Road NE

One Biscayne Tower in Miami, home of the Anytime Capital Miami office — Miami office, One Biscayne Tower

The rails where the fee question barely applies

bitFlyer has no cash rail at any price, and wires go through its banking partners. At Anytime Capital, cash in the Atlanta branch and cash by mail are priced like any other order, and wires for larger amounts are handled by the OTC desk with a locked quote. For a customer moving real size, a wire costs a fraction of any card rail, at bitFlyer or anywhere else.

Leaving bitFlyer? Your wallet address works here too.

Verify once with your ID and a selfie, pick a coin, choose any of nine ways to pay, and paste any wallet address you control. Card and Apple Pay orders confirm in minutes; wires settle the same business day.

Buy Bitcoin now Open a free account

Non-custodial wallet, or your own address
FDIC-insured cash account with a free debit card
(470) 748-2530 during business hours
Walk-in branch in Atlanta, office in Miami

Side by side

bitFlyer vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 9 of 15.

Category		Our pick
Card purchase fee	No card, Apple Pay or Google Pay purchases in the U.S.; the Buy/Sell screen prices in a spread that bitFlyer discloses as anywhere from 0.1% to 6.0% depending on market conditions, and the money must arrive by ACH or wire first	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.10% maker and taker at the entry tier on bitFlyer Lightning for U.S. accounts, stepping down toward 0.03% with 30-day volume	One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Domestic wire deposits accepted; about $20 to withdraw by wire	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	Email and web tickets; no live chat or phone line for U.S. customers	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	bitFlyer serves U.S. customers through bitFlyer USA, Inc., a San Francisco company holding a New York BitLicense and money transmitter licenses that cover 49 states and Washington, D.C.; Hawaii was the remaining gap at our last check.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID, Social Security number and address on every U.S. account, with a selfie check; source-of-funds questions on larger deposits.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Lightning order book and volume-tiered fees; no named OTC desk for U.S. retail	Dedicated OTC desk with a named contact
Custody of your coins	Held in your account until you withdraw	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Registered with Japan's Financial Services Agency as a crypto asset exchange; bitFlyer USA is a FinCEN-registered money services business with a New York BitLicense and state money transmitter licenses; bitFlyer Europe is licensed in Luxembourg.	U.S.-based, FinCEN-registered money services business
Withdrawal fees	a fixed per-coin network fee on crypto withdrawals; USD withdrawals by ACH are free	Network fee only when sending to your own wallet
Fee display at checkout	Trading, deposit and withdrawal lines shown separately	One total and one amount received, plus the network fee

Card purchase fee
bitFlyer
No card, Apple Pay or Google Pay purchases in the U.S.; the Buy/Sell screen prices in a spread that bitFlyer discloses as anywhere from 0.1% to 6.0% depending on market conditions, and the money must arrive by ACH or wire first
Anytime
From 4% with the spread included, quoted in full before you confirm
Trading fees
bitFlyer
0.10% maker and taker at the entry tier on bitFlyer Lightning for U.S. accounts, stepping down toward 0.03% with 30-day volume
Anytime
One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash
bitFlyer
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
bitFlyer
Domestic wire deposits accepted; about $20 to withdraw by wire
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
bitFlyer
No
Anytime
Yes
Talk to a human
bitFlyer
Email and web tickets; no live chat or phone line for U.S. customers
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
bitFlyer
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
bitFlyer
bitFlyer serves U.S. customers through bitFlyer USA, Inc., a San Francisco company holding a New York BitLicense and money transmitter licenses that cover 49 states and Washington, D.C.; Hawaii was the remaining gap at our last check.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
bitFlyer
Government ID, Social Security number and address on every U.S. account, with a selfie check; source-of-funds questions on larger deposits.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
bitFlyer
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
bitFlyer
Lightning order book and volume-tiered fees; no named OTC desk for U.S. retail
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
bitFlyer
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
bitFlyer
Registered with Japan's Financial Services Agency as a crypto asset exchange; bitFlyer USA is a FinCEN-registered money services business with a New York BitLicense and state money transmitter licenses; bitFlyer Europe is licensed in Luxembourg.
Anytime
U.S.-based, FinCEN-registered money services business
Withdrawal fees
bitFlyer
a fixed per-coin network fee on crypto withdrawals; USD withdrawals by ACH are free
Anytime
Network fee only when sending to your own wallet
Fee display at checkout
bitFlyer
Trading, deposit and withdrawal lines shown separately
Anytime
One total and one amount received, plus the network fee

Ways to pay

9 ways to pay here. 2 at bitFlyer.

The rails bitFlyer has, it runs well. The ones it does not have are the ones a customer reaches for when a card is declined, an amount is large, or the money is in cash.

MethodbitFlyerAnytime Capital

Apple PayInstant, from your phoneNoYes
Google PayInstant, Android and webNoYes
Debit cardVisa and MastercardNoYes
Credit cardAmex and Discover accepted hereNoYes
ACH bank transferLower cost, settles in business daysYesYes
Domestic wireSame-day for larger ordersYesYes
Cash AppPay from your Cash App balanceNoYes
Cash in personAtlanta branch, counted at the counterNoYes
Cash by mailFrom anywhere in the U.S.NoYes

Coins

Every major coin, one checkout

Most of the volume on any platform is in the same few dozen coins. Every one below has its own buy page here, with Apple Pay, card, ACH, wire and cash at checkout.

How it works

Three steps from bitFlyer to here

1
Verify once
Government ID and a selfie, online in minutes. Stuck? Call the branch or come in and finish it in person.
2
Pay your way
Apple Pay, Google Pay, card, ACH, wire, Cash App, cash in branch or cash by mail. The full price is on screen before you confirm.
3
Receive and keep going
Coins land in your own wallet or the free Anytime Capital wallet. Sell back to an FDIC-insured cash account and spend with the debit card.

Buy Bitcoin now Call (470) 748-2530 Talk to the OTC desk

Ready to leave bitFlyer behind?

Anytime Capital is a U.S. money services business serving customers worldwide, with a branch in Atlanta, an office in Miami, and card pricing from 4% with the spread included. Verification takes minutes, nine payment methods are live, and (470) 748-2530 reaches a person during business hours.

Wire transfer
Cash in person

Buy Bitcoin now See fees & limits

Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.

Questions