Beginner cost check
A first purchase has up to three costs: getting money in (card, bank or P2P), the trade itself (a small percentage of the amount), and on "instant buy" or Convert, a spread built into the price. A referral code can only lower the trading fee; card, bank and deposit charges stay the same. Example: 100 USD by non-EU Visa on Bybit costs $3.05 card fee + $0.08 trading fee after the code discount = $3.13.
Showing $100.00 · Card · Card issued outside the EU
| Exchange | Funding cost | Trading fee (base tier) | Referral effect | Total for $100.00 | Cost to move it out | Source · checked |
|---|---|---|---|---|---|---|
| Aster | Not offeredNo fiat on-ramp | 0.04% · $0.04Spot taker | No spot benefit published | Route not offered | —USDT on BSC: no fee stated | Funding: Aster 2026-10-06Trading fee: Aster 2026-10-04Withdrawal: Aster 2026-10-06 |
| Binance | —Shown at checkoutBinance shows the card fee in the payment details before you confirm. | 0.1% · $0.10Spot taker | 20% fee rebate → 0.08% · $0.08 | $0.08 trading fee + card fee at checkout | 0.01 USDTUSDT · BNB Smart Chain (BEP20) | Funding: Binance 2026-10-06Trading fee: Binance 2026-10-04Benefit: Binance 2026-10-04Withdrawal: Binance 2026-10-06 |
| BingX | 3.80% · $3.80Visa / Mastercard issued outside the EUMinimum 10 USD. | 0.1% · $0.10Spot taker | 0% — no spot benefit | $3.90 · 3.90% | 0.15 USDTUSDT · BNB Smart Chain (BEP20)TRC20: 1.5 USDT. | Funding: BingX 2026-10-06Trading fee: BingX 2026-10-06Withdrawal: BingX 2026-10-06 |
| Bybit | 3.05% · $3.05Visa issued outside the EUMastercard issued outside the EU: 2.7%. Minimum 10 USD. | 0.1% · $0.10Spot taker | −20% fee discount (first 90 days) → 0.08% · $0.08 | $3.13 · 3.13% | —See Bybit's fee page | Funding: Bybit 2026-10-06Trading fee: Bybit 2026-10-04Benefit: Bybit 2026-10-04Withdrawal: Bybit |
| Gate | —Shown at checkoutNo card fee is published in the sources checked; the fee depends on the payment provider. | 0.1% · $0.10Spot taker | 20% fee rebate → 0.08% · $0.08 | $0.08 trading fee + card fee at checkout | —See Gate's withdrawal fee page | Trading fee: Gate 2026-10-04Benefit: Gate 2026-10-04 |
| Hyperliquid | —Swapped.com on-ramp; provider fee | 0.07% · $0.07Spot taker | −4% fee discount → 0.0672% · $0.07 | $0.07 trading fee + provider fee | —Small gas fee; amount not stated | Funding: Hyperliquid 2026-10-06Trading fee: Hyperliquid 2026-10-04Benefit: Hyperliquid 2026-10-04Withdrawal: Hyperliquid 2026-10-06 |
| MAX | Not offeredNo card purchase route published | 0.16% · $0.16Spot taker | −20% fee discount (first 6 months) → 0.128% · $0.13 | Route not offered | —See MAX's fee information | Trading fee: MAX / MaiCoin 2026-10-04Benefit: MAX / MaiCoin 2026-10-04 |
| OKX | —Shown at checkoutOKX US help page lists 2.49% for debit cards; other regions see the fee at checkout. | 0.1% · $0.10Spot taker | −20% fee discount → 0.08% · $0.08 | $0.08 trading fee + card fee at checkout | 0.0037 USDTUSDT · Arbitrum One (USDT0)TRC20: 1.5 USDT. | Funding: OKX 2026-10-06Trading fee: OKX 2026-10-06Benefit: OKX 2026-10-04Withdrawal: OKX 2026-10-06 |
USDT and USDC are counted as 1 USD; amounts are USD-equivalents with no currency conversion. Trading fee = spot taker at base tier; DEX rows use their spot taker. The sending wallet's network fee and P2P price margins are listed as not included. Token discounts and VIP tiers are excluded.
Affiliate disclosure: exchange pages linked from this table show Alvin's referral codes; Alvin may earn a commission if you register through them. Not investment advice.
No trading fee is charged on Convert at Binance, BingX, Bybit, Gate, but the price you are quoted includes a spread, so it can differ from the spot price. OKX publishes its spread: OKX 1.00% on Buy/Sell/Convert. Compare the quote with the spot price before confirming.
Usually depositing USDT and placing a spot order: you pay the sending network fee plus the spot taker fee (0.04%–0.16% at base tier on the exchanges listed). Convert skips the trading fee but adds a spread that is often not published. Pick "Already have USDT" above to see each exchange.
No. Published invitee benefits apply to the trading fee only (Binance 20% fee rebate; Bybit −20% fee discount (first 90 days); Gate 20% fee rebate; Hyperliquid −4% fee discount; MAX −20% fee discount (first 6 months); OKX −20% fee discount). Card, bank, P2P and deposit charges stay the same with or without a code.
The spread is the gap between the price you are quoted and the market price. It is not listed as a fee, but it is still a cost: on a 1% spread, 100 USD buys about 1 USD less crypto.
Some exchanges do not publish a card fee; the card partner shows it on the payment screen. This page never counts a missing figure as zero, so the total lists that fee separately.
Aster · deposit withdrawal 2026-10-06 · spot fees 2026-10-04
Binance · card purchase 2026-10-06 · p2p taker fee 2026-10-06 · convert 2026-10-06 · withdrawal fees 2026-10-06 · spot fees 2026-10-04
BingX · card fees 2026-10-06 · costs 2026-10-06 · convert 2026-10-06 · spot fees 2026-10-06
Bybit · card fees 2026-10-06 · fees overview 2026-10-06 · convert 2026-10-06 · withdrawal fee page · fees 2026-10-04
Gate · p2p 2026-10-06 · flash swap 2026-10-06 · fees 2026-10-04
Hyperliquid · fiat onramp 2026-10-06 · onboarding 2026-10-06 · fees 2026-10-04
MAX · twd fees 2026-10-06 · fees 2026-10-04
OKX · card us 2026-10-06 · p2p fees 2026-10-06 · spread disclosure 2026-10-06 · withdrawal fees 2026-10-06 · fees 2026-10-06
· Page created: card, bank/P2P, deposit, Convert and withdrawal figures read from official pages.
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