Coinbase review
- Fee on a $1,000 buy
- Shown at checkout
- Bank withdrawal time
- 1–5 days
- Coins
- 407
No fee table from Coinbase shows prices for a bank-transfer buy of $1,000. You see the fee on the order screen before confirming. Coinbase hasn't published a list showing which US states it leaves out. Its user terms require only US residence.
- Bank-transfer buy of $1,000
- Displayed on the order screen
- States it doesn’t serve
- Coinbase doesn’t publish a state list
- Withdraw to a bank
- It takes 1-5 working days
- New York: NYDFS licence
- Yes dfs.ny.gov
score: 6.3 out of 10.
- Fees receive 2.0, with 10 as the maximum and 30% weight
- Availability receives 9.3, with 10 as the maximum and 20% weight
- Security and licences receive 5.0, with 10 as the maximum and 20% weight
- Products receive 10.0, with 10 as the maximum and 15% weight
- App ratings receive 9.0, with 10 as the maximum and 15% weight
We earn a commission if you open an account through our links. It does not change the fees you pay or our score.
Open a Coinbase accountCoinbase fees in dollars
Every fee in the Coinbase table links to its source page on Coinbase. The worked example totals the fees for $1,000.
| Fee | Rate | Source | Read on |
|---|---|---|---|
| How the simple buy fee is set | The Coinbase fee is set when you place the order. What changes it: the payment method, the size of the order, market conditions, your location and the asset. You see the amount on the trade screen where you review your order | help.coinbase.com | November 2, 2026 |
| Spread | There's a spread in the price of simple buys and sells. Coinbase doesn't publish how large it is; a tooltip on the order screen where you review the order shows it. Coinbase may keep the excess spread | help.coinbase.com | November 2, 2026 |
| Advanced maker fee, entry tier | 0.5% | coinbase.com | November 2, 2026 |
| Advanced taker fee, entry tier | 0.9% | coinbase.com | November 2, 2026 |
| Wire deposit | $10 | help.coinbase.com | November 2, 2026 |
| Wire withdrawal | $25 | help.coinbase.com | November 2, 2026 |
| Instant cash out | Cash out instantly with an eligible debit card (Visa Fast Funds / Mastercard Send) or an RTP bank account. No numeric fee is published ('Standard transaction fees apply'). Each RTP transaction is limited to $100,000 | help.coinbase.com | November 2, 2026 |
| Bitcoin withdrawal | For each send, Coinbase charges the network fees it estimates are prevailing. For Lightning sends, the processing fee is 0.2% | help.coinbase.com | November 2, 2026 |
The cost of $1,000 on Coinbase
These figures cover each payment and payout method for the same $1,000. A dash means Coinbase hasn’t published a number for it.
| What you do with $1,000 | You pay | How it is charged |
|---|---|---|
| Buy by wire | $19 | 0.9% taker fee, Coinbase Advanced, $10 deposit |
| Cash out by wire | $25 | flat fee |
| Send Bitcoin to a wallet | – | Network fee shown before you send |
On the Coinbase fees page, you can view every Coinbase fee and use a calculator for your own amount.
Where Coinbase is available
Coinbase doesn’t publish a list of the US states it doesn’t serve. Its user terms only require that you live in the US, and New York residents can use it.
Withdrawing money from Coinbase
A bank withdrawal from Coinbase takes 1-5 working days. Coinbase's hold rule allows cash deposits to be placed on hold. You may sell or trade crypto bought with held cash on Coinbase, but you can't cash it out or send it off-platform before the hold lifts. The duration depends on account history, and support can't shorten it. Funding with a debit card avoids the send hold.
Withdrawal times, limits and what to do when one gets stuck: Coinbase withdrawal guide.
Who operates Coinbase and its licences
Coinbase, Inc. runs Coinbase's US business.
From NYDFS, Coinbase holds a licence or charter covering New York.
You can view Coinbase's state licences on its licences page.
There are 4 dated incidents in Coinbase's record. Every incident includes its source.
Security at Coinbase
On the pages we read, Coinbase hasn't published a proof-of-reserves attestation.
Coinbase account protection includes auto-enrolled 2FA, supported security keys and multi-approval withdrawals in Coinbase Vault.
Coinbase reports service outages on its status page.
Ratings for the Coinbase app
The App Store gives the Coinbase app 4.7 out of 5 across 1,797,969 ratings. Google Play users gave it 4.3 from 929,890 ratings.
Starting a Coinbase account
When you create a Coinbase account, you must verify your ID. US documents can include a driving licence or passport, while passport cards, state/national ID and others also qualify. The result reaches you in up to 24 hours.
To open a Coinbase account, you must be 18 or older.
Coinbase staking
Coinbase offers staking to US customers at no fee. Coinbase takes a commission on rewards, with a standard 35% for ADA, ATOM, AVAX, DOT, ETH, MATIC, SOL, XTZ. For customers in California, Maryland, New Jersey and Wisconsin, beginning new staking isn't possible.
Coinbase staking isn't available in California, Maryland, New Jersey and Wisconsin.
Advantages and drawbacks of Coinbase
Pros
- NYDFS licenses Coinbase. It is the strictest US state regulator for crypto.
- Through its Coinbase Advanced order-book platform, Coinbase charges lower fees than its simple buy button.
Cons
- Coinbase hasn't published a fee amount that you can calculate before reaching the order review screen.
- There are 4 dated incidents in Coinbase's record. Every incident includes its source., involving enforcement or security.
Comparison options for Coinbase
For side-by-side comparisons, Coinbase appears alongside the exchanges people most often weigh against it.
Further Coinbase information
Common questions
Can you use Coinbase throughout every US state?
Coinbase doesn’t publish a list of the US states it doesn’t serve. Its user terms only require that you live in the US.
How long does it take to withdraw money from Coinbase to a bank?
A bank withdrawal from Coinbase takes 1-5 working days.
Does Coinbase provide 1099 forms?
Yes. Coinbase issues 1099-DA, which reports gross proceeds plus cost basis from tax year 2025. It also issues 1099-MISC for $2,000+ crypto income, including staking, 1099-B for futures/securities and 1099-DIV. No Form 8949 is issued from 2025.