How do Coinbase's fees compare with Anytime Capital's?

On a debit card, Coinbase charges 3.99% and folds a spread of roughly 0.5% into the quoted price, while Anytime Capital starts from 4% with the spread already included, one all-in number, with the amount you pay and the crypto you receive shown before you confirm. Coinbase's Advanced Trade is a separate maker and taker schedule for customers who place orders on an order book and fund by ACH or wire.

Does Coinbase have a phone number?

Yes. Coinbase offers 24/7 phone support and live chat, though reviewers say agents cannot override account restrictions. Anytime Capital can be reached at (470) 748-2530, by email, at its Atlanta branch, or at its Miami office.

Can I buy crypto with cash or a credit card on Coinbase?

No to both. Coinbase accepts debit cards, Apple Pay, Google Pay, PayPal, ACH and wire, and stopped accepting credit cards in 2018. Anytime Capital accepts credit cards, cash in person at the Atlanta branch, and cash by mail.

Is Coinbase available in New York?

Yes. Coinbase has held a New York BitLicense since 2017. Availability at Anytime Capital depends on identity verification and state eligibility; the fastest way to check is to start an order or call (470) 748-2530.

Does Coinbase hold my crypto?

Yes, unless you move it to Coinbase Wallet or another self-custody wallet. Anytime Capital delivers purchases to a non-custodial wallet you control, so there is no exchange account to restrict.

Can I switch from Coinbase to Anytime Capital without moving my crypto?

Yes. Withdraw from Coinbase to a wallet you control (or leave it there), create an Anytime Capital account, verify once, and paste any wallet address at checkout. Nothing you already hold needs to move.

How does Anytime Capital pricing compare with Coinbase?

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. Coinbase prices a 3.99% fee on debit card purchases in the simple app, plus a spread of roughly 0.5% built into the quoted price, roughly 3.99% on the headline, with network fee on crypto withdrawals; free ACH cash-out, $25 wire cash-out. 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

Coinbase

Our pick

Coinbase vs Anytime Capital

Coinbase is the exchange most Americans buy their first Bitcoin on: public, licensed everywhere, and priced at 3.99% plus a spread on a debit card. Anytime Capital is a U.S. money services business serving customers worldwide, with card pricing from 4% with the spread included, cash and same-day wire, a phone number, a branch in Atlanta, and no custody of your coins. Here is the honest breakdown.

Card orders from 4% with one total, versus 3.99% plus a roughly 0.5% spread at Coinbase
Cash in branch, cash by mail, same-day wire and Cash App, none of which Coinbase offers
Non-custodial delivery, so there is no account freeze standing between you and your coins

Coinbase vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 7 of 13.

Category	Coinbase	Our pick
Card purchase fee	A 3.99% fee on debit card purchases in the simple app, plus a spread of roughly 0.5% built into the quoted price	From 4% with the spread included, quoted in full before you confirm
Trading fees	Advanced Trade starts at 0.60% taker / 0.40% maker; simple trades add a spread of about 0.5% plus a flat fee from $0.99 or a percentage on larger orders	One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Domestic wire deposits accepted, $10 in and $25 out	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	24/7 phone line, live chat and email, plus a help center	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Coinbase serves all 50 states, including New York under a BitLicense held since 2017. Coinbase, Inc. is registered with FinCEN as a money services business and holds state money transmitter licenses.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Government ID, selfie and Social Security number on every U.S. account; source-of-funds questions on larger activity.	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	Coinbase Prime and an institutional OTC desk exist, but retail customers are routed to Advanced Trade rather than a named trader	Dedicated OTC desk with a named contact
Custody of your coins	Held in your account until you withdraw	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Registered with FinCEN as a money services business, licensed as a money transmitter across the states, holds a New York BitLicense, and reports to the SEC as a public company.	U.S.-based, FinCEN-registered money services business

Card purchase fee

Coinbase: A 3.99% fee on debit card purchases in the simple app, plus a spread of roughly 0.5% built into the quoted price
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

Coinbase: Advanced Trade starts at 0.60% taker / 0.40% maker; simple trades add a spread of about 0.5% plus a flat fee from $0.99 or a percentage on larger orders
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash