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The quote is the number.

No fee page can tell you your exact cost, because it depends on what you're buying, how you're paying, and the market at that moment. So we built it into the product instead: you see your complete cost before you commit to anything.

What does Xcoins charge?

Every Xcoins transaction shows your complete quote, including all costs, before you confirm. The quote you accept is exactly what you pay; nothing is added afterwards. Costs vary by payment method and market conditions, which is why your quote, not a table, is the number that counts.

Crypto fees explained

How crypto fees work

Buying crypto should be simple, and understanding what you pay for it should be simple too. Comparing platforms is harder than it looks, because not everyone presents their fees the same way. One provider advertises a low service fee and charges the payment cost separately. Another folds part of its cost into the exchange rate. Blockchain fees move on their own, whichever platform you use.

Several services are involved in completing a purchase: your payment has to be processed, the transaction has to be executed, and moving crypto on-chain has to be processed by the relevant blockchain network. So the cost divides into two groups — service fees, for providing and processing the purchase, and blockchain fees, for moving the crypto across a network.

Don't just compare advertised fee percentages. Compare how much crypto you actually receive for the same amount of money.

Crypto fees at a glance: what each fee is and who determines it
Fee What is it? Who determines it?
Platform Fee Cost of providing the crypto purchase service Xcoins
Payment Processing Fee Cost associated with the selected payment method External payment providers
Network Fee Cost of processing the transaction on the blockchain Blockchain network

Not every cost is set by Xcoins — some come from the payment infrastructure, and some from the blockchain itself. Eligible transactions can also earn a Premium Bonus based on the value of the transaction, plus Loyalty Programme rewards based on your status. Both give value back as additional crypto, which lowers what the transaction effectively costs you.

What is the Platform Fee?

The Platform Fee covers providing the Xcoins service itself — executing your transaction, and the technology, security, compliance operations and customer support behind it. Unlike payment or blockchain costs, this is the part that is ours.

It is not your final cost, though. Eligible purchases earn Premium Bonuses and Loyalty benefits that come back to you as additional crypto, so the headline Platform Fee on its own is an incomplete picture of what a transaction costs you.

What is the Payment Processing Fee?

The Payment Processing Fee is the cost of processing the payment method you chose, and it is an external cost: it belongs to the payment providers and payment networks that move the money, not to Xcoins.

Payment rails do not all cost the same to operate. Card payments involve processors, card networks, fraud prevention and authentication services, and each of those adds cost. Bank transfer and ACH payments generally involve lower processing costs, so where they are available they are usually the more cost-efficient way to fund a purchase.

Cards and digital wallets are still there when speed and convenience matter more. Compare the payment methods and pick the balance that suits you.

What is a Network Fee?

A Network Fee — sometimes called a blockchain fee or a miner fee — is the cost of having a transaction processed and confirmed on a blockchain. It is external to Xcoins, and Xcoins does not determine it.

It moves with blockchain activity, network congestion, demand for block space, the characteristics of the transaction, the cryptocurrency being transferred and the network carrying it. Two otherwise identical purchases can carry different network fees, even when the Platform Fee has not changed.

Why does the payment method matter?

Consider two people buying exactly the same amount of Bitcoin. One pays by bank transfer, the other by credit card. Even on an identical Platform Fee, their total cost can differ, because those payment methods cost different amounts to process.

That is why comparing platforms on their advertised service fee alone can mislead — and why the amount of crypto you actually receive is the more honest comparison.

Effective cost = Platform Fee + Payment Processing Fee + Network Fee − Bonuses and Rewards

There is a simpler way to compare, though. If three platforms all let you spend the same amount on Bitcoin, don't reverse-engineer each pricing model — ask one question: how much Bitcoin do I actually receive? That single number captures the combined effect of every part of the pricing. You can see yours on any buy page before you confirm anything.

The quote model

How your quote works

  1. It starts at the market rate

    Your quote is built on the live market price of the coin at that moment, the same rate you see on our price pages.

  2. Costs are added in, visibly

    Any costs that apply to your transaction are included in the quote you see at checkout, before you confirm. One number, everything in it.

  3. Confirm, and that's what you pay

    The quote you accept is the amount that settles. Nothing appears on your statement that wasn't on your screen first.

Cost components

What makes up your cost

  • The market rate

    The live price of the coin itself. It moves continuously, which is why quotes are fetched fresh and why your quote can differ from a chart you looked at earlier.

    Set by the market

  • Transaction costs

    Costs that depend on how you pay: card, wallet pay, or bank transfer. These are included in your checkout quote, and can differ between payment methods.

    Included in your quote

  • Network fees

    When you send crypto to another wallet, the coin's network charges a fee to process it. On Ethereum you'll hear these called gas fees; every network has its own version. It goes to the network, not to Xcoins, and it's shown before you confirm any send.

    Paid to the network
Questions

Questions people actually ask

No. Your complete quote, including all costs, appears at checkout before you confirm, and the quote you accept is exactly what you pay. If a cost isn't in your quote, you won't be charged it.
Two reasons. Crypto prices move continuously, so the market may have shifted since the chart you saw. And your quote includes the costs of your transaction, while a chart shows the raw market rate. The quote is the complete, personal number; the chart is the market's.
They can. Cards, wallet payments and bank transfers each carry different processing costs, and your checkout quote reflects the method you've chosen. If cost matters more than speed, it's worth comparing your quote across the methods available to you.
Network fees are charged by a coin's own network to process transfers, and they go to the network, not to Xcoins. You'll see the fee before you confirm any send from your wallet. They rise and fall with how busy the network is.
There's no charge for having an Xcoins account. Costs arise when you transact, and each transaction shows its complete quote before you confirm.
Gas fees are the name for network fees on Ethereum, and every blockchain has its own version. They're charged by the coin's network, not by Xcoins, and they apply when crypto moves on the network, such as when you send coins from your wallet to another address. You'll see any network fee before you confirm a send, and it rises and falls with how busy the network is. The glossary explains how gas works in more detail.
At checkout, every time, before you commit. Your quote is calculated for your exact transaction: the coin, the amount, the payment method, and the market at that moment. That's why it's more accurate than any table could be.
Eligible larger transactions may receive a greater Premium Bonus depending on the applicable Xcoins pricing structure. This can improve the customer's effective transaction economics.
The Xcoins Loyalty Programme rewards eligible returning customers with additional benefits according to their applicable loyalty status. These benefits can further improve the value customers receive when using Xcoins.
In the $500 Bitcoin comparison, Xcoins delivered between 0.40% and 0.65% more than other exchanges like Paybis or Moonpay. Actual quotes can vary with market prices, payment method, timing and other transaction conditions.
Use the same fiat amount, cryptocurrency, payment method and approximately the same quote time. Then compare the final amount of cryptocurrency received. This provides a more complete comparison than looking at the advertised service fee alone.

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MiCA Licensed in Europe. Trusted since 2016, used in 100+ countries.

Xcoins is authorised by the Malta Financial Services Authority as a Crypto-Asset Service Provider (CASP) under MiCA. Rates are for information only and are not an offer or investment advice. Crypto prices are volatile, and the value of what you hold can go down as well as up.

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