Bitstamp publishes a straightforward schedule. The order book starts at 0.40% to take and 0.30% to make and falls with 30-day volume, down to 0.15% and 0.10% for the largest accounts. ACH deposits and withdrawals are free for U.S. customers. International wires cost 0.05% to deposit and 0.1% to withdraw with a $25 minimum. Crypto withdrawals carry the network fee. Those are the order-book numbers, and they apply only when you fund by ACH and place the order yourself.
Instant purchases are priced separately. A debit card, Apple Pay, Google Pay or PayPal purchase carries a 4% fee, and the instant-buy quote includes a spread on top of it. That is one of the highest headline card fees among U.S. exchanges, and it is where Bitstamp's reputation for being expensive comes from. The Robinhood acquisition has not changed the schedule.
Anytime Capital's card pricing starts from 4% with the spread already inside, so a $1,000 card order is from $40, with the amount you pay and the crypto you receive shown before you confirm, against $40 plus spread at Bitstamp. For larger orders Anytime Capital's OTC desk quotes a same-day wire with a named contact. Bitstamp's order book is a different product, for a trader who wants to place limit orders and wait for ACH. Anytime Capital shows the full price on a card and is faster on a wire.