Which Coinme payment method costs the least?

Bank transfer: no ACH or bank funding; the app takes debit cards and the network takes cash. 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. Coinme shows its own total in checkout; compare the amount of crypto that lands, not the headline rate.

Why is the Coinstar Bitcoin fee so high?

Because Coinstar, Coinme and the crypto provider each take a cut, and most of it is in the spread rather than the 4% transaction fee shown on the screen. Reported all-in fees around 16.5% are the norm at many locations.

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

Yes. Withdraw from Coinme 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

Coinme fees, explained line by line

Q: Does Coinme have hidden fees?

Not hidden, but layered: in the Coinme app, a widely reported 1.49% exchange fee plus a 3.25% card processing fee on debit purchases, with a roughly 4% spread in the quoted price on top; at a Coinstar kiosk, a 4% transaction fee plus a spread that brings the reported all-in cash fee to 16.5% at many locations, plus coins sit in a Coinme custodial wallet until you send them out, with the network fee charged on the way. Read the confirmation screen, not the marketing page.

Q: How does Anytime Capital pricing compare with Coinme?

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. Coinme prices in the Coinme app, a widely reported 1.49% exchange fee plus a 3.25% card processing fee on debit purchases, with a roughly 4% spread in the quoted price on top; at a Coinstar kiosk, a 4% transaction fee plus a spread that brings the reported all-in cash fee to 16.5% at many locations, roughly 4.74%–8.74% on the headline, with coins sit in a Coinme custodial wallet until you send them out, with the network fee charged on the way. 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 Coinme actually takes on a purchase, what it leaves out of the headline, and what the same order costs at Anytime Capital.

Coinme: in the Coinme app, a widely reported 1.49% exchange fee plus a 3.25% card processing fee on debit purchases, with a roughly 4% spread in the quoted price on top; at a Coinstar kiosk, a 4% transaction fee plus a spread that brings the reported all-in cash fee to 16.5% at many locations
Bank transfer: no ACH or bank funding; the app takes debit cards and the network takes cash
Anytime Capital cards from 4%, shown in full before you pay

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Updated September 2026. Coinme 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 Coinme charge?

Coinme charges in the Coinme app, a widely reported 1.49% exchange fee plus a 3.25% card processing fee on debit purchases, with a roughly 4% spread in the quoted price on top; at a Coinstar kiosk, a 4% transaction fee plus a spread that brings the reported all-in cash fee to 16.5% at many locations. Bank transfers: no ACH or bank funding; the app takes debit cards and the network takes cash. Withdrawals: coins sit in a Coinme custodial wallet until you send them out, with the network fee charged on the way. 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.

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4.74%–8.74%
Coinme card purchase fee
Compared platform
3
separate fee lines at Coinme
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

What a card purchase costs: Coinme vs Anytime Capital

Published fee percentages on a debit or credit card order

Anytime Capital
Coinme

Coinme: in the Coinme app, a widely reported 1.49% exchange fee plus a 3.25% card processing fee on debit purchases, with a roughly 4% spread in the quoted price on top; at a Coinstar kiosk, a 4% transaction fee plus a spread that brings the reported all-in cash fee to 16.5% at many locations (4.74%–8.74%). 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 Coinme charges, in order

Coinme has as many prices as it has doors. At a Coinstar kiosk, Coinstar's FAQ lists a 4% transaction fee plus a spread set by the crypto provider, and the all-in cash exchange fee is widely reported at 16.5% at many locations, varying by store and by how much cash you insert. At a MoneyGram counter the fee is 4% plus $2.75, with limits of $400 per transaction and $2,000 per day. Coinme Cash at a retail register is reported around a 5% spread plus a flat retailer fee of $2.95 to $4.74. In the app, a debit card purchase is widely reported at a 1.49% exchange fee plus a 3.25% card processing fee, with a spread of about 4% in the quoted price, for roughly 8.7% all in.

Coinme says its fees are shown before you confirm, and at the kiosk they are, on a screen most people read after the cash is in. That is where the complaints come from: the 4% looks like the fee, and the spread is the larger part. Sending coins out of the Coinme wallet costs the network fee. Selling for cash at MoneyGram carries its own fee and limits.

Against that, Anytime Capital's pricing starts from 4% with the spread included on cash at the branch, cash by mail, cards, Apple Pay and Google Pay, with one total and one amount received on the quote. On $500 in cash that is from $20 here against roughly $82 at a kiosk charging 16.5%. On a $1,000 app debit purchase it is from $40 here against about $87 at Coinme with spread. The comparison is not close, and Coinme's defense is not price but the grocery store on the corner.

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. Coinme'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

Coinme 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

Coinme 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 Coinme or anywhere else.

Leaving Coinme? 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 crypto with cash 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

Coinme vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 10 of 15.

Category		Our pick
Card purchase fee	In the Coinme app, a widely reported 1.49% exchange fee plus a 3.25% card processing fee on debit purchases, with a roughly 4% spread in the quoted price on top; at a Coinstar kiosk, a 4% transaction fee plus a spread that brings the reported all-in cash fee to 16.5% at many locations	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	no ACH or bank funding; the app takes debit cards and the network takes cash	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	Not offered; Coinme is cash and debit only	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	Chat and tickets through support.coinme.com and in-app; no published 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	Coinme is a U.S. company licensed as a money transmitter in 48 states and is not available in New York or Vermont; its cash network runs through Coinstar kiosks and MoneyGram locations in grocery and retail stores.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	A phone number and basic details for a small kiosk purchase, then a government ID and a selfie in the app to redeem, raise limits or sell.	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	Kiosk purchases are capped by location, with MoneyGram at $400 per transaction and $2,000 per day; no desk for large orders	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 FinCEN as a money services business and licensed as a money transmitter in 48 states since opening the first state-licensed Bitcoin ATM in 2014; Washington's regulator issued a temporary cease-and-desist over an unredeemed voucher product in late 2025 that was paused by agreement while the dispute is resolved.	U.S.-based, FinCEN-registered money services business
Withdrawal fees	coins sit in a Coinme custodial wallet until you send them out, with the network fee charged on the way	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
Coinme
In the Coinme app, a widely reported 1.49% exchange fee plus a 3.25% card processing fee on debit purchases, with a roughly 4% spread in the quoted price on top; at a Coinstar kiosk, a 4% transaction fee plus a spread that brings the reported all-in cash fee to 16.5% at many locations
Anytime
From 4% with the spread included, quoted in full before you confirm
Bank transfer fee
Coinme
no ACH or bank funding; the app takes debit cards and the network takes cash
Anytime
ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
Coinme
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Coinme
Not offered; Coinme is cash and debit only
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Coinme
No
Anytime
Yes
Talk to a human
Coinme
Chat and tickets through support.coinme.com and in-app; no published phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Coinme
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Coinme
Coinme is a U.S. company licensed as a money transmitter in 48 states and is not available in New York or Vermont; its cash network runs through Coinstar kiosks and MoneyGram locations in grocery and retail stores.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Coinme
A phone number and basic details for a small kiosk purchase, then a government ID and a selfie in the app to redeem, raise limits or sell.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Coinme
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Coinme
Kiosk purchases are capped by location, with MoneyGram at $400 per transaction and $2,000 per day; no desk for large orders
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Coinme
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Coinme
Registered with FinCEN as a money services business and licensed as a money transmitter in 48 states since opening the first state-licensed Bitcoin ATM in 2014; Washington's regulator issued a temporary cease-and-desist over an unredeemed voucher product in late 2025 that was paused by agreement while the dispute is resolved.
Anytime
U.S.-based, FinCEN-registered money services business
Withdrawal fees
Coinme
coins sit in a Coinme custodial wallet until you send them out, with the network fee charged on the way
Anytime
Network fee only when sending to your own wallet
Fee display at checkout
Coinme
Itemised lines
Anytime
One total and one amount received, plus the network fee

Ways to pay

9 ways to pay here. 2 at Coinme.

The rails Coinme 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.

MethodCoinmeAnytime Capital

Apple PayInstant, from your phoneNoYes
Google PayInstant, Android and webNoYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereNoYes
ACH bank transferLower cost, settles in business daysNoYes
Domestic wireSame-day for larger ordersNoYes
Cash AppPay from your Cash App balanceNoYes
Cash in personAtlanta branch, counted at the counterYesYes
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 Coinme 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 crypto with cash from 4%Call (470) 748-2530 Buy crypto with cash by mail

Ready to leave Coinme 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 crypto with cash 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