Does Coinmama have hidden fees?

Not hidden, but layered: 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, plus none; coins are sent to the wallet address you provide, with the network fee built into the quote. Read the confirmation screen, not the marketing page.

Which Coinmama payment method costs the least?

Bank transfer: the same 0.99% to 3.90% commission without the card express fee, on bank transfers where offered. 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. Coinmama shows its own total in checkout; compare the amount of crypto that lands, not the headline rate.

Why is Coinmama's real fee higher than 3.90%?

Because 3.90% is only the commission. Card orders add a 4.99% express fee, and the quoted coin price sits above market, so the all-in cost of a first card purchase is 8.89% in listed fees plus that spread.

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.

Fees

Our pick

Coinmama fees, explained line by line

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

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
Bank transfer: the same 0.99% to 3.90% commission without the card express fee, on bank transfers where offered
Anytime Capital cards from 4%, shown in full before you pay

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 15.

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
Withdrawal fees	none; coins are sent to the wallet address you provide, with the network fee built into the quote	Network fee only when sending to your own wallet
Fee display at checkout	Itemised lines	One total and one amount received, plus the network fee

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 fees, explained line by line

How much does Coinmama charge?

What a card purchase costs: Coinmama vs Anytime Capital

What Coinmama charges, in order

Network fees, spread, and the number that matters

A front door, not a chat window

The rails where the fee question barely applies

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 fees, explained line by line: FAQ

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Important Disclosures