Coinmama fees

Fee schedule

spread note

Quoted prices include Coinmama's markup over the spot rate; card, Apple Pay, and Google Pay payments add a processing surcharge.

deposit note

There are no deposits: you pay per purchase with a card or bank transfer.

withdrawal note

There is no withdrawal step; bitcoin is delivered directly to the wallet address you give at checkout.

What the rails themselves cost

The scheme or the bank sets these, not Coinmama. The 6 rails Coinmama offers in the most countries we rank it in.

Credit or debit card

The networks bill the merchant rather than you, but many issuers class a crypto purchase as a cash advance, and the CFPB notes that interest on a cash advance generally starts from the transaction date with no grace period.

Local bank transfer

Domestic transfers are free or close to free for consumers in most countries, and in the euro area the Instant Payments Regulation forbids charging more for an instant credit transfer than for a standard one.

Wire transfer

The sending bank charges a flat fee, the receiving bank often charges a second one, and intermediary banks can take more out of a cross border payment, which is why US providers must disclose the total cost and exchange rate before you send.

Apple Pay

Apple states that it charges no fee when you pay with Apple Pay in stores, online or in apps, so your cost is whatever the underlying card costs, including any cash advance treatment by the issuer.

Google Pay

Google says it does not charge a monetary fee to use a virtual card, so you pay only what the underlying card costs, which for a crypto purchase may include cash advance treatment by your issuer.

SEPA transfer

Set by your own bank rather than by the scheme, and inside the EU and EEA a euro transfer to another SEPA country must cost the same as a domestic one.