Does Xcoins have hidden fees?

Not hidden, but layered: 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, plus none; coins are sent to your wallet address and Xcoins does not charge to send them. Read the confirmation screen, not the marketing page.

Which Xcoins payment method costs the least?

Bank transfer: bank transfer is SEPA for EU customers only; no U.S. bank rail is advertised. 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. Xcoins shows its own total in checkout; compare the amount of crypto that lands, not the headline rate.

Does Xcoins charge a withdrawal fee?

No. Xcoins sends the coins to the wallet address you give without a fee of its own; the blockchain network fee still applies, and it is shown before you confirm.

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.

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

Xcoins

Our pick

Xcoins fees, explained line by line

Q: 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.

Every platform quotes one number and charges several. Here is what Xcoins actually takes on a purchase, what it leaves out of the headline, and what the same order costs at Anytime Capital.

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
Bank transfer: bank transfer is SEPA for EU customers only; no U.S. bank rail is advertised
Anytime Capital cards from 4%, shown in full before you pay

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Updated September 2026. Xcoins 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 Xcoins charge?

Xcoins charges 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. Bank transfers: bank transfer is SEPA for EU customers only; no U.S. bank rail is advertised. Withdrawals: none; coins are sent to your wallet address and Xcoins does not charge to send them. 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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7.9%–9.9%
Xcoins card purchase fee
Compared platform
3
separate fee lines at Xcoins
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

What a card purchase costs: Xcoins vs Anytime Capital

Published fee percentages on a debit or credit card order

Anytime Capital
Xcoins

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 (7.9%–9.9%). Anytime Capital: from 4%, shown in full before you confirm. Both exclude blockchain network fees. Published schedules as of September 2026; confirm your exact quote in each checkout.

What Xcoins charges, in order

Xcoins takes the position that its fee is whatever the final confirmation screen says, and that nothing is hidden because you see it before you click. That is true as far as it goes, but it means there is no table to quote. Independent reviews over several years describe the same two components: a buy fee of roughly 4% to 6% of the order, and a 3.9% card processing fee on credit and debit purchases. Combined, that is about 7.9% to 9.9% before the network fee. Xcoins does not charge to send the coins to your wallet.

The percentage does not fall much with size, because both parts are proportional, and it does not fall for loyalty. What Xcoins offers instead is speed on the way out: for customers in the EU, UK, EEA and Singapore, the proceeds of a sale can land on a card within about 15 minutes at no extra fee, which is a real advantage over a bank transfer that takes days. U.S. customers do not get that option and pay by card only, so the buy fee is the whole story for them.

Against that, Anytime Capital's card pricing starts from 4% with the spread included and no separate card surcharge, 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 roughly $79 to $99 at Xcoins. The honest comparison is to put both final screens side by side on the same amount and look at the coins that land.

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. Xcoins'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

Xcoins 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

Xcoins 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 Xcoins or anywhere else.

Leaving Xcoins? 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.

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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

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 15.

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
Withdrawal fees	none; coins are sent to your wallet address and Xcoins does not charge to send them	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
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
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Xcoins
Yes
Anytime
Yes
Talk to a human
Xcoins
24/7 live chat, email and a U.S. phone line, +1 (305) 946-1796
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Xcoins
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Xcoins
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.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Xcoins
Government ID and a selfie on every account, with proof of address and source-of-funds checks for larger or repeated orders.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Xcoins
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Xcoins
Limits rise with verification; no dedicated desk for a retail buyer
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Xcoins
Your own wallet; you hold the keys
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Xcoins
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.
Anytime
U.S.-based, FinCEN-registered money services business
Withdrawal fees
Xcoins
none; coins are sent to your wallet address and Xcoins does not charge to send them
Anytime
Network fee only when sending to your own wallet
Fee display at checkout
Xcoins
Itemised lines
Anytime
One total and one amount received, plus the network fee

Ways to pay

9 ways to pay here. 4 at Xcoins.

The rails Xcoins 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.

MethodXcoinsAnytime 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 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 Xcoins 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.

Buy with Apple Pay from 4%Call (470) 748-2530 Buy Bitcoin now

Ready to leave Xcoins 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 with Apple Pay 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