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.

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

Q: 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.

Q: 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.

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

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Updated September 2026. Coinmama 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 Coinmama charge?

Coinmama charges 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 transfers: the same 0.99% to 3.90% commission without the card express fee, on bank transfers where offered. Withdrawals: none; coins are sent to the wallet address you provide, with the network fee built into the quote. 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 with Apple Pay from 4%Call (470) 748-2530 Buy Bitcoin now

5.98%–8.89%
Coinmama card purchase fee
Compared platform
3
separate fee lines at Coinmama
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

What a card purchase costs: Coinmama vs Anytime Capital

Published fee percentages on a debit or credit card order

Anytime Capital
Coinmama

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 (5.98%–8.89%). Anytime Capital: from 4%, shown in full before you confirm. Both exclude blockchain network fees. Published schedules as of September 2026; confirm your exact quote in each checkout.

What Coinmama charges, in order

Coinmama's pricing has three layers, and its fee page lists two of them. The first is the commission, which starts at 3.90% for a new customer and falls with loyalty tiers: 12.5% off after $5,000 of purchases in 90 days, 25% off after $18,000 in 90 days or $50,000 lifetime, with 0.99% quoted as the floor. The second is the card express fee of 4.99% on credit, debit, Apple Pay and Google Pay orders, which is not discounted. A first-time card buyer therefore pays 8.89% in listed fees. The third layer is the rate itself, which Coinmama sets above the market price rather than listing a spread, and independent tests have measured all-in costs above 10%.

Bank transfer drops the 4.99% card fee, leaving the commission plus the spread, if you can wait for settlement and clear the higher minimum. Selling to Coinmama, where available, carries its own commission and pays out by bank transfer. There is no withdrawal fee in the exchange sense because Coinmama never holds your coins; the network fee is built into the quote.

Against that, Anytime Capital's card pricing starts from 4% with the spread included and no separate card surcharge, and the quote shows the amount you pay and the crypto you receive before you confirm. On a $1,000 card order that is from $40 here against $88.90 in listed fees at Coinmama for a new customer, and $59.80 even at Coinmama's best tier. The honest comparison is to put both checkouts side by side on the same amount and look at the coins that land.

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. Coinmama's schedule is published, which is honest, but the parts stack. 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

Coinmama 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

Coinmama has no cash rail at any price and no domestic wire desk. 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 Coinmama or anywhere else.

Leaving Coinmama? 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 with Apple Pay from 4%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

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. offices in Atlanta and Miami; 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
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Coinmama
Yes
Anytime
Yes
Talk to a human
Coinmama
Email at support@coinmama.com and a web form, with live chat during business hours; no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Coinmama
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Coinmama
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.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Coinmama
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.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Coinmama
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Coinmama
Cards cap at $20,000 per transaction; higher totals go through Level 3 verification, with no dedicated desk
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Coinmama
Your own wallet; you hold the keys
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Coinmama
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.
Anytime
U.S.-based, FinCEN-registered money services business
Withdrawal fees
Coinmama
none; coins are sent to the wallet address you provide, with the network fee built into the quote
Anytime
Network fee only when sending to your own wallet
Fee display at checkout
Coinmama
Itemised lines
Anytime
One total and one amount received, plus the network fee

Ways to pay

9 ways to pay here. 4 at Coinmama.

The rails Coinmama 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.

MethodCoinmamaAnytime Capital

Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webYesYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereYesYes
ACH bank transferLower cost, settles in business daysNoYes
Domestic wireSame-day for larger ordersLimitedYes
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 Coinmama 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 with Apple Pay from 4%Call (470) 748-2530 Buy Bitcoin now

Ready to leave Coinmama 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 with Apple Pay from 4%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