Coinbase vs Fidelity Crypto: Which is Best? [2026]
Key differences
Coinbase vs Fidelity Crypto Fees Calculator
We built this fee calculator to help you compare the fees of Coinbase and Fidelity Crypto.
Enter the amount you want to buy and we'll show you the estimated fees for each exchange.
Coinbase vs Fidelity Crypto in Comparison
Description
Coinbase is a popular global crypto exchange with over 240 cryptocurrencies supported.
Fidelity Crypto lets you buy Bitcoin, Ethereum, Litecoin & Solana alongside traditional investments.
Supported Countries
Available in over 100 countries globally. Full features in most of US including debit cards, staking, instant transfers and futures. Strong support in UK, Europe and parts of Asia with some restrictions. Not available in Singapore or OFAC-sanctioned countries. ID verification required.
Available in select U.S. states. Not available in New York or Hawaii. Full features including Crypto IRAs available in most supported states with some restrictions (e.g., CA, OR for IRA).
Supported Cryptocurrencies
Over 240 cryptocurrencies
Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Solana (SOL)
Fees
- Transaction Fees:
- $0.99 for transactions $10 or lower
- $1.49 for transactions between $10-$25
- $1.99 for transactions between $25-$50
- $2.99 for transactions between $50-$200
- 0.50% spread fee for transactions over $200
Payment Method Fees:- ACH transfers: Free
- Bank account/USD Wallet: 1.49%
- Credit/debit card: 3.99%
- Wire transfers: $10 incoming, $25 outgoing
- Trading Fee: 1% spread on buy and sell transactions
- Custody Fee: $0
- Account Opening: $0
- Account Maintenance: $0
Payment Methods
ACH, Wire Transfer, Debit Card, Bank Account, PayPal, Apple Pay, iDEAL, SEPA, Interac e-Transfer, Google Pay
ACH, Bank Account, Wire Transfer
Do These Exchanges Allow you To Earn Interest on Crypto?
4.70%
Earn 4.70% APY rewards by holding USDC on Coinbase. USDC is fully backed 1:1 by US dollars. Minimum $1.
N/A
Fidelity Crypto does not currently offer interest on crypto holdings.
Mobile App Ratings
iOS Rating: 4.7 Official rating from the iOS App Store as of November 18, 2024.
Android Rating: 4.6 Official rating from the Android Play Store as of November 18, 2024.
iOS Rating: 4.8 Official rating from the iOS App Store as of November 18, 2024.
Android Rating: 4.5 Official rating from the Android Play Store as of November 18, 2024.
Storage
As a public US company, Coinbase maintains full 1:1 reserves of customer assets with no lending. Their platform features industry-leading security including mandatory 2FA, multi-approval withdrawals via Coinbase Vault, and 24/7 monitoring. Over 10 years of experience and regular third-party audits.
Fidelity Crypto employs institutional-grade security through Fidelity Digital Assets. Assets are stored in cold-vaulted storage with secure, monitored facilities. Multi-layered security protocols protect crypto at every step. Private holdings are kept off-chain for enhanced privacy.
Have These Exchanges Been Hacked Before?
No. Has never lost customer funds in any way.
No. Has never lost customer funds in any way.
Official Site
Exchange Review
No review available
"I mistakenly sent my crypto to the wrong wallet at Coinbase. The team at Coinbase was able to retrieve it and credit to my account within a week. I am quite impressed with their communication, instruction, and result! I'm so relieved. Thank you so much, Coinbase Support!"
- Real user review from iOS App Store, Android Play Store or Trustpilot
Read our Fidelity Crypto review
"Being able to trade crypto in the same app where I manage my stocks and retirement accounts is incredibly convenient. The security measures give me peace of mind."
- Real user review from iOS App Store, Android Play Store or Trustpilot
Coinbase vs Fidelity Crypto Comparison
Fee Structures
Coinbase charges tiered fees for smaller transactions ($0.99-$2.99) and 1.49% for larger purchases, plus a spread. Fidelity Crypto has a simpler fee structure with just a 1% spread on all transactions. For larger purchases, Fidelity often comes out slightly cheaper.
Supported Cryptocurrencies
Coinbase supports over 240 cryptocurrencies, making it ideal for investors who want access to a wide variety of altcoins. Fidelity Crypto only supports four: Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and Solana (SOL).
Retirement Investing
Fidelity Crypto offers a major advantage with Crypto IRAs, allowing tax-advantaged retirement investing in Bitcoin and Ethereum through Traditional, Roth, or Rollover IRAs. Coinbase does not offer IRA accounts.
Integration with Traditional Finance
Fidelity Crypto integrates seamlessly with Fidelity's brokerage platform, letting you manage crypto alongside stocks, ETFs, and retirement accounts in one app. Coinbase is crypto-only, though it does offer crypto ETPs and stocks of crypto-related companies.
Geographic Availability
Coinbase is available in over 100 countries globally, with full features in most U.S. states. Fidelity Crypto is only available in select U.S. states, excluding New York and Hawaii.
Security & Trust
Both platforms have strong security track records. Coinbase is a publicly traded company (NASDAQ: COIN) with 98+ million users and has never lost customer funds. Fidelity Crypto is backed by Fidelity's 10+ years of experience in digital assets and operates as a national trust bank through Fidelity Digital Assets.
Which Should You Choose?
Choose Coinbase if you want access to a wide variety of cryptocurrencies, live outside the US, or prefer a dedicated crypto platform with advanced trading features.
Choose Fidelity Crypto if you're an existing Fidelity customer, want to invest in crypto through a tax-advantaged IRA, or prefer managing all your investments (crypto and traditional) in one place.
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