How does Xcoins pricing compare with Anytime Capital?

No on card orders. Xcoins is widely reported to charge a buy fee of 4% to 6% plus a 3.9% card processing fee, shown together on the final step, while Anytime Capital starts from 4% with the spread included. Xcoins charges nothing to send coins to your wallet, and neither does Anytime Capital beyond the network fee.

Does Xcoins have a phone number?

Yes, +1 (305) 946-1796, alongside 24/7 live chat and email. Anytime Capital can be reached at (470) 748-2530, by email, at its Atlanta branch, or at its Miami office, and adds cash and wire rails that Xcoins does not offer.

Is Xcoins available in the United States?

Yes, as an agent of Zero Hash LLC, a licensed U.S. money transmitter, except in New York, which Zero Hash's terms exclude. Anytime Capital serves customers worldwide and confirms eligibility, including state by state in the United States, during verification; call the branch to check.

Yes. Xcoins holds a Class 3 Virtual Financial Assets license from the Malta Financial Services Authority, granted in 2021, and serves U.S. customers through Zero Hash's FinCEN registration and state money transmitter licenses.

Can I buy crypto with a bank transfer on Xcoins in the U.S.?

No. Xcoins's bank rail is SEPA, which is an EU transfer; U.S. customers pay by card, Apple Pay or Google Pay. Anytime Capital accepts ACH, same-day domestic wire, Cash App and cash as well as cards.

Can I switch from Xcoins 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.

How does Anytime Capital pricing compare with Xcoins?

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. Xcoins prices a buy fee widely reported at 4% to 6% of the order plus a 3.9% card processing fee, shown together on the final confirmation step, plus the network fee, roughly 7.9%–9.9% on the headline, with none; coins are sent to your wallet address and Xcoins does not charge to send them. 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.

Head to head

Xcoins

Our pick

Xcoins vs Anytime Capital

Xcoins is a Malta-licensed card broker that started in California, answers the phone, and charges a buy fee plus a 3.9% card fee that together land near 10%. Anytime Capital is a U.S. money services business that serves customers worldwide, with card pricing from 4% with the spread included, a branch in Atlanta, a phone line and nine ways to pay. Here is the honest breakdown.

Card orders from 4% vs a buy fee plus 3.9% card fee at Xcoins
Cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards
Call (470) 748-2530 or walk into the Atlanta branch

Xcoins vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 13.

Category	Xcoins	Our pick
Card purchase fee	A buy fee widely reported at 4% to 6% of the order plus a 3.9% card processing fee, shown together on the final confirmation step, plus the network fee	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	bank transfer is SEPA for EU customers only; no U.S. bank rail is advertised	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 as a U.S. rail; bank transfer is SEPA in the EU only	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	24/7 live chat, email and a U.S. phone line, +1 (305) 946-1796	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Xcoins serves U.S. customers as an agent of Zero Hash LLC, which holds money transmitter licenses in most states; Zero Hash's own terms exclude New York, so Xcoins is not available there.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID and a selfie on every account, with proof of address and source-of-funds checks for larger or repeated orders.	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 rise with verification; no dedicated desk for a retail buyer	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	Holds a Class 3 Virtual Financial Assets license from the Malta Financial Services Authority, granted in 2021, and serves U.S. customers as an agent of Zero Hash LLC, a FinCEN-registered and state-licensed money transmitter.	U.S.-based, FinCEN-registered money services business

Card purchase fee

Xcoins: A buy fee widely reported at 4% to 6% of the order plus a 3.9% card processing fee, shown together on the final confirmation step, plus the network fee
Anytime: From 4% with the spread included, quoted in full before you confirm

Bank transfer fee

Xcoins: bank transfer is SEPA for EU customers only; no U.S. bank rail is advertised
Anytime: ACH and wire priced per order; wires clear same day for larger amounts

Pay with cash

Xcoins: Not offered
Anytime: Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.

Domestic wire

Xcoins: Not offered as a U.S. rail; bank transfer is SEPA in the EU only

Xcoins vs Anytime Capital

Which is better, Xcoins or Anytime Capital?

What a card purchase costs: Xcoins vs Anytime Capital

What Xcoins is, and what it is not

Fees: a buy fee plus a card fee, versus from 4% with the total on screen

A front door, not a chat window

Ways to pay: nine rails versus cards and wallets

Support: two phone numbers, one front door

More than a checkout: the account that comes with it

When Xcoins is the right call

Leaving Xcoins? Your wallet address works here too.