CoinW leads with its fee schedule. Spot is listed at 0.2% for makers and takers at the base tier, and futures at 0.01% maker and 0.06% taker, the number it puts at the top of its marketing. VIP levels are set by holdings of its CWT token rather than by volume alone, so the discount goes to customers who hold the exchange's coin. Crypto deposits are free, and withdrawals carry a per-coin fee that CoinW sets and displays before you confirm.
There is no bank deposit, so there is no bank fee. Card purchases are routed to a third-party processor that quotes its own rate, typically several percent, and those processors exclude U.S. residents. CoinW charges nothing for a card because it runs no card rail. On most of its listings the real cost is the spread, which on a thin small cap can dwarf the 0.2%.
Anytime Capital's card, Apple Pay and Google Pay pricing starts from 4% with the spread included, with the amount you pay and the crypto you receive shown before you confirm, and same-day wire orders through the OTC desk are quoted individually. It is one all-in number on a money-to-crypto purchase from a licensed U.S. company with a person on the other end, which is a different product from a crypto-to-crypto trading fee.