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.

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.

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.

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

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

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

Coinme fees, explained line by line

How much does Coinme charge?

What a card purchase costs: Coinme vs Anytime Capital

What Coinme 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 Coinme? Your wallet address works here too.

Coinme vs Anytime Capital, row by row

9 ways to pay here. 2 at Coinme.

Every major coin, one checkout

Three steps from Coinme to here

Verify once

Pay your way

Receive and keep going

Ready to leave Coinme behind?

Coinme fees, explained line by line: FAQ

Other questions people ask before switching

Keep exploring

Important Disclosures