Coinbase
Cash funding, then buyAccount quote required. Simple buys may include a spread; Advanced uses a separate fee tier.
The account's available-to-send date controls withdrawal. A tradable balance is not necessarily transferable.
Crypto buy planner
From dollars to crypto in your wallet. Check payment costs, withdrawal holds and networks before you commit.
Compare the route
Checked 2026-10-04Buying is only the first part. Compare when you can use or withdraw your BTC, not just the advertised trading fee.
Choose your state to check known regional restrictions.
Kraken
Plaid cash deposit, then spot buyPro spot and stablecoin schedules differ. Instant Buy has a separate fee and may include spread and payment fees.
ACH cash deposits via Plaid can trigger a 7-day withdrawal hold. Check the specific funding flow and account release time.
Gemini
ACH deposit, then tradeGemini lists ACH transfer fees as free; trading fees are additional and depend on Gemini mode or ActiveTrader.
Wait for the deposit to clear and check available-to-withdraw funds. Trading credit does not prove withdrawal eligibility.
Compare equal-budget results below. Total costs require your account fee tier or order preview and, for self-custody, a network withdrawal fee.
Your $100.00, compared
Copy each account’s preview for the same all-in USD budget. Net crypto already includes buy fees and spread. Add only external USD charges and a separately quoted crypto withdrawal fee.
Coinbase
User-entered previewChoose your US state and a valid budget above.
Kraken
User-entered previewChoose your US state and a valid budget above.
Gemini
User-entered previewChoose your US state and a valid budget above.
Previews must have equal total USD spend; cheaper partial budgets are not scaled up. Confirmation expires after five minutes; an exchange preview may expire sooner. Holds are separate, not a guaranteed send time. No order is placed; entries stay in this page’s memory.
Coinbase: purchase to wallet
Having trouble?Choose your US state and enter a valid budget to continue.
Sources, scope and what is not verified
Documentation checked 2026-10-04. This compares general conditions, not an authenticated account. No purchase was executed as part of this research. Asset listings do not guarantee regional access or wallet withdrawal support. Unknown fees are never treated as zero. Check your account and final preview for changes.
Coinbase pricing and feesCoinbase available balance and holdsCoinbase assets on multiple networksCoinbase funding and purchase troubleshootingCoinbase North American payment methodsKraken fee schedulesKraken quick start for US clientsKraken debit card purchasesKraken ACH via PlaidKraken withdrawal holdsKraken unable to withdraw cryptocurrencyKraken cryptocurrency funding FAQGemini payment methodsGemini ActiveTrader fee scheduleGemini multichain assetsGemini debit card authenticationGemini US payment processing disclosureGemini withdrawal troubleshooting
Educational information only. Not financial advice. Crypto can lose value; stablecoins can lose their peg. A self-custody transfer can be irreversible.