Which Crypto.com payment method costs the least?

Bank transfer: ACH deposits are free. 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. Crypto.com shows its own total in checkout; compare the amount of crypto that lands, not the headline rate.

Is the Crypto.com card fee waived for new users?

Crypto.com has run promotions that waive the 2.99% card fee for a limited period after signup. The terms have changed over time, so check the app before relying on it; the spread applies either way.

Can I switch from Crypto.com to Anytime Capital without moving my crypto?

Yes. Withdraw from Crypto.com 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

Crypto.com

Our pick

Crypto.com fees, explained line by line

Q: Does Crypto.com have hidden fees?

Not hidden, but layered: a 2.99% fee on credit and debit card purchases in the app, plus a spread in the quoted price; Crypto.com has periodically waived the card fee for new users, plus a fixed per-coin withdrawal fee on crypto; free ACH cash-out. Read the confirmation screen, not the marketing page.

Q: How does Anytime Capital pricing compare with Crypto.com?

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. Crypto.com prices a 2.99% fee on credit and debit card purchases in the app, plus a spread in the quoted price; Crypto.com has periodically waived the card fee for new users, roughly 2.99% on the headline, with a fixed per-coin withdrawal fee on crypto; free ACH cash-out. 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 Crypto.com actually takes on a purchase, what it leaves out of the headline, and what the same order costs at Anytime Capital.

Crypto.com: a 2.99% fee on credit and debit card purchases in the app, plus a spread in the quoted price; Crypto.com has periodically waived the card fee for new users
Trading: the app prices by spread and the separate Crypto.com Exchange uses maker and taker fees that fall with volume and CRO staking
Anytime Capital cards from 4%, shown in full before you pay

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Updated September 2026. Crypto.com 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 Crypto.com charge?

Crypto.com charges a 2.99% fee on credit and debit card purchases in the app, plus a spread in the quoted price; Crypto.com has periodically waived the card fee for new users. Trading fees are the app prices by spread and the separate Crypto.com Exchange uses maker and taker fees that fall with volume and CRO staking. Bank transfers: ACH deposits are free. Withdrawals: a fixed per-coin withdrawal fee on crypto; free ACH cash-out. 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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Layered
Crypto.com pricing structure
Compared platform
3
separate fee lines at Crypto.com
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

Ways to pay: Crypto.com vs Anytime Capital

Payment methods live for a customer today

Anytime Capital
Crypto.com

Anytime Capital: Apple Pay, Google Pay, Debit card, Credit card, ACH bank transfer, Wire transfer, Cash App, Cash in branch, Cash by mail, each priced as one all-in number from 4% on card orders with the spread included. Crypto.com: 5 of those rails, priced a 2.99% fee on credit and debit card purchases in the app, plus a spread in the quoted price; Crypto.com has periodically waived the card fee for new users, with a fixed per-coin withdrawal fee on crypto; free ACH cash-out. Both exclude blockchain network fees. As of September 2026.

What Crypto.com charges, in order

Crypto.com's app fees look short on paper. Credit and debit card purchases, including Apple Pay and Google Pay, carry a 2.99% fee, and Crypto.com has periodically waived that fee for new users for a limited period after signup. ACH deposits are free, and buying from a dollar balance carries no separate fee. Crypto withdrawals carry a fixed per-coin fee that Crypto.com sets, rather than the raw network cost, which can be more than the network fee on some chains.

The line that matters is the one that is not on the schedule. Every app quote includes a spread between the market price and the price you pay, and Crypto.com does not publish it as a number. Independent reviews describe it as wider on thin coins than on liquid ones, and it is the reason two customers buying the same coin on the same day report different costs. The separate Crypto.com Exchange is priced like an exchange, with maker and taker fees that fall with volume and CRO staking, but it is a different product with its own U.S. availability.

Anytime Capital's card pricing starts from 4% with the spread already inside, so a $1,000 card order is from $40 with the amount you pay and the crypto you receive shown before you confirm, against a card fee line plus an undisclosed spread at Crypto.com, where the total is never on the screen. For larger orders Anytime Capital's OTC desk quotes a same-day wire with a named contact, which Crypto.com does not offer to retail customers.

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. Crypto.com'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

Crypto.com 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

Crypto.com 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 Crypto.com or anywhere else.

Leaving Crypto.com? 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 Bitcoin 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

Crypto.com vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 9 of 15.

Category	Crypto.com	Our pick
Card purchase fee	A 2.99% fee on credit and debit card purchases in the app, plus a spread in the quoted price; Crypto.com has periodically waived the card fee for new users	From 4% with the spread included, quoted in full before you confirm
Trading fees	the app prices by spread and the separate Crypto.com Exchange uses maker and taker fees that fall with volume and CRO staking	One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Wire support for U.S. customers has changed with banking partners; ACH is the primary rail	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	24/7 in-app chat and email; 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	Crypto.com serves U.S. customers through Foris DAX, Inc., a FinCEN-registered money services business with state money transmitter licenses, but the app is not available to New York residents, and the Crypto.com Exchange is a separate product with its own U.S. rollout.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID, selfie and Social Security number on every U.S. account; source-of-funds questions on larger activity.	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	An institutional OTC desk exists; retail customers are steered to the Exchange	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	U.S. business registered with FinCEN and licensed as a money transmitter in most states; the group also holds a Singapore major payment institution license, a UK e-money license, a Dubai VASP license, and U.S. derivatives registrations.	U.S.-based, FinCEN-registered money services business
Withdrawal fees	a fixed per-coin withdrawal fee on crypto; free ACH cash-out	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
Crypto.com
A 2.99% fee on credit and debit card purchases in the app, plus a spread in the quoted price; Crypto.com has periodically waived the card fee for new users
Anytime
From 4% with the spread included, quoted in full before you confirm
Trading fees
Crypto.com
the app prices by spread and the separate Crypto.com Exchange uses maker and taker fees that fall with volume and CRO staking
Anytime
One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash
Crypto.com
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Crypto.com
Wire support for U.S. customers has changed with banking partners; ACH is the primary rail
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Crypto.com
Yes
Anytime
Yes
Talk to a human
Crypto.com
24/7 in-app chat and email; no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Crypto.com
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Crypto.com
Crypto.com serves U.S. customers through Foris DAX, Inc., a FinCEN-registered money services business with state money transmitter licenses, but the app is not available to New York residents, and the Crypto.com Exchange is a separate product with its own U.S. rollout.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Crypto.com
Government ID, selfie and Social Security number on every U.S. account; source-of-funds questions on larger activity.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Crypto.com
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Crypto.com
An institutional OTC desk exists; retail customers are steered to the Exchange
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Crypto.com
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Crypto.com
U.S. business registered with FinCEN and licensed as a money transmitter in most states; the group also holds a Singapore major payment institution license, a UK e-money license, a Dubai VASP license, and U.S. derivatives registrations.
Anytime
U.S.-based, FinCEN-registered money services business
Withdrawal fees
Crypto.com
a fixed per-coin withdrawal fee on crypto; free ACH cash-out
Anytime
Network fee only when sending to your own wallet
Fee display at checkout
Crypto.com
Itemised lines
Anytime
One total and one amount received, plus the network fee

Ways to pay

9 ways to pay here. 5 at Crypto.com.

The rails Crypto.com 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.

MethodCrypto.comAnytime 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 daysYesYes
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 Crypto.com 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.

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Ready to leave Crypto.com 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 Bitcoin 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