How do you withdraw money from Coinbase? Fees explained

You withdraw money from Coinbase by moving your cash to a linked bank account (usually free via ACH in the US) or by sending crypto to another wallet, where the fee depends on the coin. Most USD withdrawals take a few business days. Crypto withdrawals can land in minutes.

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How do you withdraw money from Coinbase to your bank account?

1. Open the Coinbase app or website and go to your cash balance (USD or your local currency).
2. Tap "Withdraw" or "Cash out" and choose your linked bank account.
3. Enter the amount you want to send.
4. Confirm the transfer. Coinbase may ask for identity checks first, since accounts need verified KYC before withdrawals go through^†.
5. Wait for the transfer to land. Standard bank transfers in the US (ACH) are listed as free on Coinbase's funding page, with a typical window of 3 to 5 business days^†.

That 3-to-5-day figure comes from Coinbase's page on adding funds, not from a separate withdrawal fee schedule. Coinbase does not publish a distinct withdrawal fee for cashing out to a US bank account in the sources we checked. Treat any exact dollar figure for that step as not verified until you confirm it on Coinbase's official fee page.

What does it cost when you withdraw money from Coinbase?

The cost depends on what you're withdrawing. Moving crypto between Coinbase accounts is free^†. Sending crypto out to an external wallet carries a fee that changes by asset.

Run your own numbers before you move money. The fee calculator lets you plug in an amount and compare the result across exchanges, including Coinbase.

Coinbase withdraw money: fees for sending crypto

If your goal is to move crypto off Coinbase rather than cash out to a bank, the fee sits on top of whatever network fee the blockchain itself charges. USDT withdrawals carry a 0.01% Coinbase fee with a 20 USDT cap, and BTC sent through the Lightning Network carries a 0.2% fee^†. For most other coins, Coinbase passes through only the network fee and adds nothing fixed on top^†.

That matters if you're comparing exchanges before you move funds. Check the Coinbase vs Kraken comparison if you're deciding where to hold funds long term.

How does this compare to Coinbase's trading fees?

Withdrawal fees are separate from trading fees. Coinbase's maker fee runs from 0% up to 0.4%, and taker fee runs from 0.05% up to 0.6%, both tiered by your 30-day trading volume^††. These numbers come from Coinbase's advanced trading fee page. The exact tier that applies to you can shift as your volume changes, so check your account's current tier before you trade.

Coinbase money withdrawal: a worked fee example

Say you want to withdraw 500 USDT to an external wallet. Coinbase's fee is 0.01%, capped at 20 USDT^†.

500 x 0.0001 = 0.05 USDT. That's well under the 20 USDT cap, so you'd pay about 0.05 USDT on top of the network fee.

Now try 0.05 BTC sent through the Lightning Network, where the fee is 0.2%^†.

0.05 x 0.002 = 0.0001 BTC. At a price you'd check at the time, that's a small fraction of a dollar, plus whatever network fee applies that day.

Neither example includes a trading return. It's just the fee math. Repeat it with your own amount using the fee calculator.

Common mistakes when you withdraw money from Coinbase

• Sending crypto on the wrong network, for example picking the wrong chain for USDT, and losing access to the funds.
• Skipping identity verification first. Coinbase requires completed KYC before it approves withdrawals^†, so an unverified account gets stuck at this step.
• Mixing up Coinbase's basic app fees with its advanced trading fee tiers, then being surprised by a different rate.
• Assuming a bank withdrawal arrives the same day. ACH-style transfers commonly take several business days^†.
• Not checking Coinbase's support status before a large withdrawal. Support runs through email, tickets, and a help center, available 24/7^†, and is worth contacting if a transfer looks stuck.

For a side-by-side look at how Coinbase stacks up against other exchanges on fees and features, see the Coinbase exchange profile or the best exchanges list. Our scoring process is explained on the methodology page.

FAQ

Is withdrawing money from Coinbase free?

Moving funds within Coinbase is free^†. Sending crypto out carries a fee that varies by asset. The exact fee for cashing out to a US bank account isn't confirmed in the sources we checked, so verify it on Coinbase's official fee page before you withdraw a large amount.

How long does a Coinbase withdrawal take to reach my bank?

Standard US bank transfers are listed around 3 to 5 business days on Coinbase's funding page^†. Crypto withdrawals usually confirm much faster, depending on the network.

Does Coinbase charge a fee to send crypto to another wallet?

It depends on the coin. USDT carries a 0.01% fee capped at 20 USDT, BTC via Lightning carries 0.2%, and most other coins only pass through the network fee^†.

Do I need ID verification to withdraw money from Coinbase?

Yes. Coinbase requires identity verification before it processes withdrawals^†.