Which Upbit payment method costs the least?

Bank transfer: KRW deposits from the linked K Bank account are free; KRW withdrawals carry a small flat fee of about 1,000 won. 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. Upbit routes card purchases elsewhere, so its total is whatever that partner shows in checkout.

Did Upbit lower its fees in 2026?

Yes. On August 29, 2026 Upbit cut its BTC and USDT market fees to 0.05% from 0.25%, matching its KRW market, after competitors such as Bithumb ran zero-fee promotions on won pairs.

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

Yes. Withdraw from Upbit 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

Upbit

Our pick

Upbit fees, explained line by line

Q: Does Upbit have hidden fees?

Not hidden, but layered: no card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture, plus a fixed per-coin network fee published on the withdrawal screen. Read the confirmation screen, not the marketing page.

Q: How does Anytime Capital pricing compare with Upbit?

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. Upbit prices no card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture, with a fixed per-coin network fee published on the withdrawal screen. 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 Upbit actually takes on a purchase, what it leaves out of the headline, and what the same order costs at Anytime Capital.

Upbit: no card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture
Trading: 0.05% maker and taker on the KRW market, with BTC and USDT markets cut to 0.05% from 0.25% in a promotion that began August 29, 2026
Anytime Capital cards from 4%, shown in full before you pay

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Updated September 2026. Upbit 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 Upbit charge?

Upbit charges no card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture. Trading fees are 0.05% maker and taker on the KRW market, with BTC and USDT markets cut to 0.05% from 0.25% in a promotion that began August 29, 2026. Bank transfers: KRW deposits from the linked K Bank account are free; KRW withdrawals carry a small flat fee of about 1,000 won. Withdrawals: a fixed per-coin network fee published on the withdrawal screen. 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
Upbit pricing structure
Compared platform
3
separate fee lines at Upbit
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

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

Published fee percentages on a debit or credit card order

Upbit does not sell crypto for a card payment directly: no card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture. Anytime Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.

What Upbit charges, in order

Upbit's fee schedule is short because its product is narrow. Trading on the Korean-won market costs 0.05% for makers and takers. The BTC and USDT cross markets were 0.25% until August 29, 2026, when Upbit cut them to 0.05% as well, initially as a promotion running into September, after Korean rivals began waiving trading fees outright. Won deposits from the linked K Bank account are free, and won withdrawals carry a flat charge of roughly 1,000 won.

Crypto withdrawals are a fixed per-coin network fee that Upbit publishes on the withdrawal screen. There is no card fee, no instant-buy spread and no Apple Pay markup, because none of those rails exist on Upbit. That is worth saying plainly: the fee that matters most to a buyer starting from a card or a bank balance, the cost of turning money into coins, has no number here because nobody without a K Bank account can fund the account.

Anytime Capital's card, Apple Pay and Google Pay pricing starts from 4% with the spread included, with the amount you pay and the crypto you receive shown before you confirm, and same-day wire orders through the OTC desk are quoted individually. It is one all-in number for a different product: dollars in, coins out, wherever you are, with a person to call.

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. Upbit'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

Upbit 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

Upbit 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 Upbit or anywhere else.

Leaving Upbit? 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 now 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

Upbit 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	Upbit	Our pick
Card purchase fee	No card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.05% maker and taker on the KRW market, with BTC and USDT markets cut to 0.05% from 0.25% in a promotion that began August 29, 2026	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	Not available; U.S. dollars cannot be deposited at all	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	Korean-language 1:1 inquiries in the app and a Korean customer center; no English or U.S. 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	Upbit does not serve U.S. customers. It is a Korean-won exchange that requires a Korean real-name bank account, and its separately run Singapore, Indonesia and Thailand affiliates also exclude U.S. residents.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Korean mobile phone verification, a government ID, and a real-name K Bank account in the same name; foreign nationals need an Alien Registration Card and most cannot open the K Bank account at all.	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	Deep KRW order books but no service outside Korea; no U.S. OTC desk	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 as a virtual asset service provider with South Korea's Financial Intelligence Unit under the Special Financial Transactions Act, with a real-name account partnership with K Bank; sanctioned by the FIU in 2025 for KYC and travel-rule failures.	U.S.-based, FinCEN-registered money services business
Withdrawal fees	a fixed per-coin network fee published on the withdrawal screen	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
Upbit
No card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture
Anytime
From 4% with the spread included, quoted in full before you confirm
Trading fees
Upbit
0.05% maker and taker on the KRW market, with BTC and USDT markets cut to 0.05% from 0.25% in a promotion that began August 29, 2026
Anytime
One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash
Upbit
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Upbit
Not available; U.S. dollars cannot be deposited at all
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Upbit
No
Anytime
Yes
Talk to a human
Upbit
Korean-language 1:1 inquiries in the app and a Korean customer center; no English or U.S. phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Upbit
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Upbit
Upbit does not serve U.S. customers. It is a Korean-won exchange that requires a Korean real-name bank account, and its separately run Singapore, Indonesia and Thailand affiliates also exclude U.S. residents.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Upbit
Korean mobile phone verification, a government ID, and a real-name K Bank account in the same name; foreign nationals need an Alien Registration Card and most cannot open the K Bank account at all.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Upbit
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Upbit
Deep KRW order books but no service outside Korea; no U.S. OTC desk
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Upbit
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Upbit
Registered as a virtual asset service provider with South Korea's Financial Intelligence Unit under the Special Financial Transactions Act, with a real-name account partnership with K Bank; sanctioned by the FIU in 2025 for KYC and travel-rule failures.
Anytime
U.S.-based, FinCEN-registered money services business
Withdrawal fees
Upbit
a fixed per-coin network fee published on the withdrawal screen
Anytime
Network fee only when sending to your own wallet
Fee display at checkout
Upbit
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. 0 at Upbit.

Upbit does not take U.S. dollars from a U.S. customer directly. Every rail below is live at Anytime Capital, including the ones no online platform offers.

MethodUpbitAnytime Capital

Apple PayInstant, from your phoneNoYes
Google PayInstant, Android and webNoYes
Debit cardVisa and MastercardNoYes
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 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 Upbit 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 Upbit 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 now 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