Coinbase fees 2026: simple buy, Coinbase Advanced and withdrawals

Coinbase fees depend on how you buy. A simple buy in the Coinbase app has a spread built into the quoted price plus a Coinbase fee that varies by payment method, order size and market, while Coinbase Advanced charges 0.60% maker and 1.20% taker at the entry tier. SEPA deposits and SEPA withdrawals in euros are free.

Coinbase is licensed for EU residents: Coinbase Luxembourg S.A. holds a MiCA authorisation from Luxembourg’s CSSF, granted on 20 June 2025 and passported to every EEA country. We checked Coinbase’s help-centre fee pages on 23 October 2026. One caveat runs through this page: Coinbase’s public fee pages no longer list Advanced rates, which are shown only after login. Our 0.60% and 1.20% figures come from NerdWallet’s copy of the in-app table, updated in December 2025, and may differ for EU accounts. Our Coinbase review covers the licence, fines and the 2025 data breach.

Coinbase fees in 30 seconds

• Simple buy and sell: a spread in the quoted price plus a variable Coinbase fee, both shown in the order preview. Not published as fixed figures.
• Simple limit orders: 1% execution fee.
• Coinbase Advanced: 0.60% maker, 1.20% taker at the entry tier, down to 0.00% / 0.02% at the top fee tier.
• SEPA deposit and withdrawal: free, 1 to 3 business days.
• Card purchases: not published as a fixed figure for EU customers.
• Crypto withdrawals: a network fee estimated when you send.
• Staking: 35% commission on rewards for assets such as ETH, SOL and ADA.
• EU futures: from 0.02% per contract, for eligible Advanced users.
• Cheapest route: SEPA in, limit order on Advanced: €6.00 on a €1,000 buy.

How much does Coinbase charge? The full fee table

Coinbase charges two different fees depending on where you trade: a spread plus a fee on simple trades, and a maker or taker fee on Coinbase Advanced. Moving euros in and out by SEPA costs nothing.

Our data shows no fee for opening or holding a Coinbase account. What you pay depends on the transaction amount, the route and the payment method.

The Coinbase buy fee: spread, transaction fee and order preview

A simple buy on Coinbase costs two things: a spread built into the quoted price, and a transaction fee that can vary based on payment method, order size and market conditions. Coinbase shows both on the order preview page before you confirm, but doesn’t publish either as a fixed figure for EU customers.

The spread is the gap between the quoted price and the market price. It isn’t charged as a separate service fee, so many users see it as one of Coinbase’s hidden fees. In fact the order preview shows it; the problem is that you can only see the final amount after you’ve entered an order, so you can’t compare Coinbase transaction fees in advance.

Simple sells and conversions are priced the same way, so check the order preview when you sell crypto too. And if you place a limit order in the simple app instead of a market buy, Coinbase charges a 1% execution fee on top of the price.

Coinbase Advanced fees: the maker taker fee model

Coinbase Advanced Trade charges 0.60% for maker orders and 1.20% for taker orders at the entry tier, the lowest fee tier for new users. It works like any order book: you choose a market order or a limit order and pay a separate maker or taker fee instead of a spread.

• Maker orders add liquidity: a limit order that waits in the order book until another trader fills it.
• Taker orders take liquidity: a market order, or a limit order that matches an existing order straight away.

If part of a limit order fills straight away, that part pays the taker rate, and the remaining portion pays the maker rate when it fills later. Coinbase calculates your fee tier from your 30-day trading volume or your USDC balance, and the fees fall step by step down to 0.00% maker and 0.02% taker at the top tiers. The tiers in between are shown only after login, so we don’t list them.

Coinbase Pro is now Coinbase Advanced

Coinbase Pro no longer exists: Coinbase Advanced replaced it as Coinbase’s order-book platform. It sits inside your normal Coinbase account, so there’s nothing extra to open, and switching between the simple app and Advanced is free.

Coinbase deposit fees: SEPA, card and other payment methods

SEPA deposits in euros are free on Coinbase and take 1 to 3 business days. To fund by SEPA you need a fully verified account, and the name on your bank account must match the name on your Coinbase account.

• SEPA bank transfers: free, the cheapest payment method in our data.
• Debit card and credit card: not published as a fixed figure for EU customers; the order preview shows the cost.
• Wire transfer and other methods: not in our checked data.
• Fiat currency: Coinbase supports three fiat currencies, EUR, GBP and USD.

Coinbase withdrawal fees: euros and crypto

SEPA withdrawals in euros are free on Coinbase and take 1 to 3 business days. Crypto withdrawals have no fixed fee: Coinbase estimates the network fee at the time of sending, so the cost changes with network congestion.

When you transfer crypto to an external wallet or exchange, the network fee appears before you confirm. A busy network can make the same withdrawal cost more one day than the next, so if the fee looks high, waiting can help. Coinbase’s separate self-custody wallet app (originally Coinbase Wallet) is not part of this page; we cover the exchange account only.

Coinbase One: zero trading fees, with a spread

Coinbase One is a paid subscription that removes the Coinbase fee on simple trades up to a limit, but the spread still applies, so zero trading fees doesn’t mean zero cost. Members also pay a lower commission on staking rewards than the standard 35%.

We couldn’t confirm the subscription price or the trading limit for EU accounts. Work it out before you sign up: if the monthly price is higher than the fees you’d otherwise pay, keep the free account and use Advanced, where a limit order costs 0.60%.

Staking, the Coinbase Card and futures

Coinbase keeps 35% of staking rewards as commission on crypto assets such as ETH, SOL and ADA, so if your coins earn €10 in rewards before commission, you receive €6.50. The Coinbase Card is a debit card issued in the EU by Paysafe Payment Solutions Limited; its spending costs are not in our verified data.

Coinbase launched crypto and equity-index futures for Advanced users in 26 European countries, including Germany and the Netherlands, in March 2026, with up to 10x leverage and fees from 0.02% per contract, through its Cyprus firm Coinbase Financial Services Europe Ltd. Coinbase’s Dutch Advanced page refers to “professional clients”, so check your eligibility in the app.

Worked examples: Coinbase fees in euros

These examples use the entry-tier Advanced rates and a free SEPA deposit. We can’t price simple buys exactly, because Coinbase doesn’t publish the spread or the variable fee as fixed figures.

A €100 simple buy

• Simple buy: spread plus variable fee, shown in the order preview. Not calculable in advance.
• Simple limit order: €100 × 1% = €1.00, plus any spread.
• Advanced, market order (taker): €100 × 1.20% = €1.20.
• Advanced, limit order (maker): €100 × 0.60% = €0.60.

A €1,000 limit order

On Coinbase Advanced, a €1,000 limit order that waits in the book costs €1,000 × 0.60% = €6.00. If it fills straight away against an existing order, it’s charged at taker rates: €12.00. The same limit order in the simple app costs a 1% execution fee: €10.00.

€100 a month for a year

A monthly limit order on Advanced costs €7.20 a year, against €12.00 plus the spread for a simple limit order. Note that an Advanced market order costs more than a simple limit order, so the order type matters as much as the screen.

A round trip: buy and sell €1,000

Deposit €1,000 by SEPA, buy bitcoin on Advanced, later sell €1,000 worth and withdraw to your bank account:

The free SEPA withdrawal helps, but the trading fees on sell orders and buy orders still add up to 1.2% of your money at best.

How to reduce your Coinbase fee

The quickest way to pay lower fees on Coinbase is to fund by SEPA and place limit orders on Coinbase Advanced. That turns a €1,000 buy into €6.00, the lowest cost in our examples.

1. Use Coinbase Advanced, not simple trades. Same Coinbase account, separate maker and taker fees instead of a spread.
2. Place limit orders. Maker orders pay 0.60% instead of 1.20%, half the taker rate.
3. Fund by SEPA bank transfers. They’re free in both directions; card fees aren’t published as fixed figures.
4. Check the order preview every time. If you do use a simple buy, compare the final amount with the same buy on Advanced.
5. Skip simple limit orders. Their 1% execution fee is higher than the maker fee on Advanced.
6. Time your crypto withdrawals. The network fee changes with congestion, so a quieter moment can cost less.

For a full walkthrough of a first purchase, see our guide to buying bitcoin on Coinbase.

Coinbase fees compared with other exchanges

Coinbase is the most expensive of the MiCA-licensed exchanges in this comparison at the entry tier, but one of two in the table with free SEPA withdrawals. These are entry-tier spot fees from each provider’s fee page, checked on 23 October 2026:

• Kraken fees: a third cheaper than Coinbase Advanced at the entry tier, with a €1 SEPA withdrawal. See our Coinbase vs Kraken comparison.
• Bybit EU fees: a flat 0.25%, so €2.50 instead of €12.00 on a €1,000 market order.
• OKX fees: 0.35% taker for a standard EEA account, or 0.10% with an X-Perps account, plus free SEPA in and out.

Is Coinbase worth the fees?

Coinbase is worth its fees if you value a simple app, a MiCA licence and a large, Nasdaq-listed company more than the lowest price, and if you use Advanced with limit orders. It’s a poor fit if you trade often with market orders: Bybit EU charges about a fifth of Coinbase’s entry-tier taker rate.

Whatever you choose, crypto is volatile: price volatility can wipe out far more than any fee saving, and crypto on Coinbase is not covered by a deposit guarantee or investor compensation scheme. Only invest money you can afford to lose.