Which Exodus payment method costs the least?

Bank transfer: ACH or bank transfer through MoonPay or Ramp where available, at the partner's rate. 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. Exodus routes card purchases elsewhere, so its total is whatever that partner shows in checkout.

What is the Exodus ecosystem fee?

A charge Exodus adds on top of the partner's fee when you buy through MoonPay inside the wallet, shown in the quote rather than published as a fixed percentage. It is one of three charges on a MoonPay purchase in Exodus, alongside MoonPay's fee and the network fee.

Can I switch from Exodus 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

Exodus

Our pick

Exodus fees, explained line by line

Q: Does Exodus have hidden fees?

Not hidden, but layered: no card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee, plus none from Exodus; sending coins out of the wallet costs only the network fee, which Exodus lets you set. Read the confirmation screen, not the marketing page.

Q: How does Anytime Capital pricing compare with Exodus?

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. Exodus prices no card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee, with none from Exodus; sending coins out of the wallet costs only the network fee, which Exodus lets you set. 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 Exodus actually takes on a purchase, what it leaves out of the headline, and what the same order costs at Anytime Capital.

Exodus: no card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee
Trading: in-app swaps through XO Swap are quoted with a spread that Exodus says starts around 0.5% on liquid pairs, and independent tests put the typical all-in cost closer to 2% and higher on small trades
Anytime Capital cards from 4%, shown in full before you pay

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Updated September 2026. Exodus 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 Exodus charge?

Exodus charges no card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee. Trading fees are in-app swaps through XO Swap are quoted with a spread that Exodus says starts around 0.5% on liquid pairs, and independent tests put the typical all-in cost closer to 2% and higher on small trades. Bank transfers: ACH or bank transfer through MoonPay or Ramp where available, at the partner's rate. Withdrawals: none from Exodus; sending coins out of the wallet costs only the network fee, which Exodus lets you set. 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
Exodus pricing structure
Compared platform
3
separate fee lines at Exodus
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

Card pricing at Anytime Capital, where Exodus has no card rail

Published fee percentages on a debit or credit card order

Exodus does not sell crypto for a card payment directly: no card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee. Anytime Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.

What Exodus charges, in order

Exodus is free to download, free to hold coins in, and sending them out costs the network fee, which the app lets you set. Every other cost lives behind a button. Buying with a card through MoonPay inside Exodus means MoonPay's published rate, 4.5% on cards with a minimum of about $3.99 and about 1% on ACH where offered, plus what Exodus's knowledge base calls an ecosystem fee, plus the network fee. Exodus does not publish the ecosystem fee as a fixed percentage; it appears in the quote. Ramp and XO Ramp purchases show their own fees before you confirm.

Swaps are the fee most reviewers write about. Exodus says XO Swap spreads start around 0.5% on large, liquid pairs, and independent tests have measured the typical all-in cost closer to 2%, rising toward 5% on very small trades once the spread is counted. Selling through MoonPay inside the wallet carries MoonPay's sell rate and pays out to a card or bank. None of this is hidden, but none of it is on one page either, and the total of a card purchase inside Exodus is always more than MoonPay's 4.5%.

Anytime Capital's card pricing starts from 4% with the spread included, no partner layer and no ecosystem fee, 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 $45 plus Exodus's fee inside the wallet. The coins can be delivered to an Exodus address if that is where you keep them, so the wallet you like and the price you want are not in conflict.

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. Exodus's schedule is spread across trading, deposit and withdrawal lines. 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

Exodus 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

Exodus 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 Exodus or anywhere else.

Leaving Exodus? 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.

Get the free wallet 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

Exodus 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	Exodus	Our pick
Card purchase fee	No card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	ACH or bank transfer through MoonPay or Ramp where available, at the partner's rate	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; bank funding is the partner's ACH where available	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Partial	Yes
Talk to a human	24/7 email and in-app support tickets; no phone line, and Exodus warns that any phone number claiming to be Exodus support is a scam	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Exodus is a U.S. company and its wallet works in every state; buying inside it runs on MoonPay's and Ramp's U.S. licensing, and XO Ramp, Exodus's own checkout, is available in the United States and Puerto Rico with a debit card or Apple Pay.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	The wallet itself asks for nothing, not even an email; buying runs the partner's verification, with a government ID and a selfie on the first purchase.	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	Limits are the partner's verification tiers; no desk for a large order	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	Exodus Movement, Inc. is a public company that files with the SEC, but the wallet is software and holds no money transmitter license; the on-ramps inside it, MoonPay and Ramp, are FinCEN-registered money services businesses with state licenses, and Exodus has said its planned U.S. dollar stablecoin with MoonPay and M0 will be fully reserved.	U.S.-based, FinCEN-registered money services business
Withdrawal fees	none from Exodus; sending coins out of the wallet costs only the network fee, which Exodus lets you set	Network fee only when sending to your own wallet
Fee display at checkout	Trading, deposit and withdrawal lines shown separately	One total and one amount received, plus the network fee

Card purchase fee
Exodus
No card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee
Anytime
From 4% with the spread included, quoted in full before you confirm
Bank transfer fee
Exodus
ACH or bank transfer through MoonPay or Ramp where available, at the partner's rate
Anytime
ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
Exodus
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Exodus
Not offered; bank funding is the partner's ACH where available
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Exodus
Partial
Anytime
Yes
Talk to a human
Exodus
24/7 email and in-app support tickets; no phone line, and Exodus warns that any phone number claiming to be Exodus support is a scam
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Exodus
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Exodus
Exodus is a U.S. company and its wallet works in every state; buying inside it runs on MoonPay's and Ramp's U.S. licensing, and XO Ramp, Exodus's own checkout, is available in the United States and Puerto Rico with a debit card or Apple Pay.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Exodus
The wallet itself asks for nothing, not even an email; buying runs the partner's verification, with a government ID and a selfie on the first purchase.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Exodus
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Exodus
Limits are the partner's verification tiers; no desk for a large order
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Exodus
Your own wallet; you hold the keys
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Exodus
Exodus Movement, Inc. is a public company that files with the SEC, but the wallet is software and holds no money transmitter license; the on-ramps inside it, MoonPay and Ramp, are FinCEN-registered money services businesses with state licenses, and Exodus has said its planned U.S. dollar stablecoin with MoonPay and M0 will be fully reserved.
Anytime
U.S.-based, FinCEN-registered money services business
Withdrawal fees
Exodus
none from Exodus; sending coins out of the wallet costs only the network fee, which Exodus lets you set
Anytime
Network fee only when sending to your own wallet
Fee display at checkout
Exodus
Trading, deposit and withdrawal lines shown separately
Anytime
One total and one amount received, plus the network fee

Ways to pay

9 ways to pay here. 3 at Exodus.

The rails Exodus 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.

MethodExodusAnytime Capital

Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webLimitedYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereYesYes
ACH bank transferLower cost, settles in business daysLimitedYes
Domestic wireSame-day for larger ordersNoYes
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 Exodus 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 Exodus 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

Get the free wallet 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