Does Coinmama cost more than Anytime Capital?

On card orders, yes. A new Coinmama customer pays a 3.90% commission plus a 4.99% card express fee, 8.89% before the spread built into the quote, while Anytime Capital's card pricing starts from 4% with the spread included, with the amount you pay and the crypto you receive shown before you confirm. Coinmama's bank transfer option drops the card fee but carries a higher minimum and a slower settlement.

Does Coinmama have a phone number?

No. Coinmama support is email at support@coinmama.com, a web form, and live chat during business hours, with replies that Coinmama says take 24 to 48 hours. Anytime Capital can be reached at (470) 748-2530, by email, at its Atlanta branch, or at its Miami office.

Is Coinmama available in New York?

No. Coinmama's restricted-regions page excludes New York and Louisiana, and earlier versions also excluded Hawaii. Anytime Capital confirms eligibility state by state during verification; call the branch to check.

What are Coinmama's loyalty tiers?

Three levels. New customers pay the full 3.90% commission; $5,000 of purchases in 90 days earns a 12.5% discount; $18,000 in 90 days or $50,000 lifetime earns 25%, and Coinmama quotes 0.99% as its lowest commission. The 4.99% card express fee is not discounted.

Does Coinmama hold my crypto?

No. Every purchase is sent to the wallet address you enter at checkout, and Coinmama never takes custody. Anytime Capital also delivers to a non-custodial wallet, and adds an FDIC-insured cash account with a debit card for the dollar side.

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

Yes. Both send purchased crypto to a wallet address you control, so nothing needs to move. Create an Anytime Capital account, verify once with your ID and a selfie, and paste the same address at checkout.

How does Anytime Capital pricing compare with Coinmama?

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. Coinmama prices a commission of 3.90% for new customers, falling to 0.99% at the top loyalty tier, plus a 4.99% card express fee, plus the network fee and a rate spread; a first-time card buyer pays 8.89% before spread, roughly 5.98%–8.89% on the headline, with none; coins are sent to the wallet address you provide, with the network fee built into the quote. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

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.

Head to head

Our pick

Coinmama vs Anytime Capital

Coinmama has sold Bitcoin to a wallet address since 2013, longer than almost anyone, at a price that stacks a 3.90% commission on a 4.99% card fee. Anytime Capital is a U.S. money services business that sells worldwide, with card pricing from 4% with the spread included, a branch in Atlanta, a phone line and nine ways to pay. Here is the honest breakdown.

Card orders from 4% with the spread included vs 8.89% before spread for a new Coinmama customer
Cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards
Call (470) 748-2530 or walk into the Atlanta branch

Coinmama vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 13.

Category		Our pick
Card purchase fee	A commission of 3.90% for new customers, falling to 0.99% at the top loyalty tier, plus a 4.99% card express fee, plus the network fee and a rate spread; a first-time card buyer pays 8.89% before spread	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	the same 0.99% to 3.90% commission without the card express fee, on bank transfers where offered	ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Bank transfer is offered in some markets with a higher minimum; check the U.S. option at checkout	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	Email at support@coinmama.com and a web form, with live chat during business hours; no phone line	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Coinmama serves 48 U.S. states as a FinCEN-registered money services business, but its restricted-regions page excludes New York and Louisiana; earlier lists also excluded Hawaii.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Government ID and a selfie at Level 1, proof of address and a KYC questionnaire at Level 2 for limits up to $50,000, and source-of-funds documents at Level 3 for up to $1,000,000.	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	Cards cap at $20,000 per transaction; higher totals go through Level 3 verification, with no dedicated desk	Dedicated OTC desk with a named contact
Custody of your coins	Your own wallet; you hold the keys	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Cmama Ltd. is registered with FinCEN as a money services business and with FINTRAC in Canada; it operates under Irish company registration rather than a U.S. state money transmitter license of its own, and it does not publish a state-by-state licensing list.	U.S.-based, FinCEN-registered money services business

Card purchase fee

Coinmama: A commission of 3.90% for new customers, falling to 0.99% at the top loyalty tier, plus a 4.99% card express fee, plus the network fee and a rate spread; a first-time card buyer pays 8.89% before spread
Anytime: From 4% with the spread included, quoted in full before you confirm

Bank transfer fee

Coinmama: the same 0.99% to 3.90% commission without the card express fee, on bank transfers where offered
Anytime: ACH and wire priced per order; wires clear same day for larger amounts

Pay with cash

Coinmama: Not offered
Anytime: Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.

Domestic wire

Coinmama: Bank transfer is offered in some markets with a higher minimum; check the U.S. option at checkout

Coinmama vs Anytime Capital

Which is better, Coinmama or Anytime Capital?

What a card purchase costs: Coinmama vs Anytime Capital

What Coinmama is, and what it is not

Fees: a commission plus a card fee, versus from 4% with the total on screen

A front door, not a chat window

Ways to pay: nine rails versus cards and a bank transfer

Support: a 48-hour inbox versus a phone number

More than a checkout: the account that comes with it

When Coinmama is the right call

Leaving Coinmama? Your wallet address works here too.

Coinmama vs Anytime Capital, row by row

9 ways to pay here. 4 at Coinmama.

Every major coin, one checkout

Three steps from Coinmama to here

Verify once

Pay your way

Receive and keep going

Ready to leave Coinmama behind?

Coinmama vs Anytime Capital: FAQ

Other questions people ask before switching

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Important Disclosures