How do you withdraw money from Coinbase? Fees explained

You withdraw money from Coinbase in two different ways: send cash (USD or your local currency) to a linked bank account, or send crypto to an outside wallet. The two paths have different fees. Cash withdrawals depend on your bank method, and crypto withdrawals follow a separate fee schedule that Coinbase publishes^†.

This guide breaks down both, with the exact numbers we could confirm and plain flags on the ones we couldn't.

What does Coinbase charge to send crypto out?

Crypto withdrawals on Coinbase are not all priced the same way.

Sending crypto between two Coinbase accounts costs nothing. It's a fixed $0 internal transfer^†.

Sending USDT to an outside wallet costs 0.01% of the amount, capped at 20 USDT, plus a separate network fee^†. The cap matters more than the percentage once you're moving large amounts.

Sending BTC through the Lightning Network costs 0.2%^†.

Sending most other crypto (ETH, SOL, and similar) has no fixed Coinbase charge. You only pay the network's own fee, and that fee moves with how busy the network is^†. We don't have a fixed number for this one because there isn't one to give.

What does Coinbase charge to add money in?

This isn't technically a withdrawal question, but people searching "withdraw money from Coinbase" often mean "get my money out," and that gets confused with deposit costs. Here's the deposit side so you don't mix them up.

• ACH bank transfer (US): free, takes 3 to 5 business days^†
• Fedwire: $10, lands in about one business day^†
• SWIFT: $25^†
• Debit card: a variable fee applies, and credit or prepaid cards aren't accepted^†

None of those are withdrawal fees. Coinbase's own fee page should be checked for current cash-out costs to a bank, because our Knowledge Graph does not have a confirmed figure for ACH or wire withdrawals of USD. We'd rather say that plainly than guess.

Coinbase fee table: trading, deposits, and crypto withdrawals

Run your own numbers against this table with the fee calculator before you move money.

How much would a real withdrawal cost?

Fee math is simple: amount × fee percent = cost. Three examples using Coinbase's published crypto withdrawal rates.

Example 1: Withdrawing 2,000 USDT to an outside wallet. 2,000 × 0.01% = 0.20 USDT. That's under the 20 USDT cap, so you pay 0.20 USDT plus whatever the blockchain network charges^†.

Example 2: Withdrawing 250,000 USDT. 250,000 × 0.01% = 25 USDT. But the cap is 20 USDT, so Coinbase charges 20 USDT instead of 25^†. Past that amount, the cap is what you pay, full stop.

Example 3: Withdrawing 0.05 BTC via Lightning. 0.05 × 0.2% = 0.0001 BTC^†.

What are the steps to withdraw money from Coinbase?

1. Open your Coinbase account and go to your USD (or local currency) balance.
2. Click Withdraw or Cash out.
3. Pick a bank account that's already linked to your profile.
4. Type in the amount.
5. Check the fee shown on the confirmation screen before you submit.
6. Submit and wait. Bank withdrawals usually take a few business days; the app will show a current estimate.

For crypto, swap step 3 for pasting the destination wallet address, and double check the network type matches before you send.

Common mistakes when withdrawing from Coinbase

• Mixing up "withdraw crypto" with "cash out to bank." They're different processes with different costs.
• Trying to withdraw before identity verification is complete. Coinbase requires this before funds can move out^†.
• Sending a withdrawal to the wrong network (for example, picking the wrong chain for USDT). The transaction can't be reversed once it's confirmed.
• Assuming the network fee on a crypto withdrawal is fixed. It isn't. It moves with how busy the blockchain is at that moment.
• Ignoring the 20 USDT cap and assuming large USDT withdrawals scale up in cost the same way small ones do. They don't, once you cross the cap threshold.

Compare Coinbase against other exchanges on the Coinbase review page, and see how scoring works on our methodology page.

FAQ

Can I withdraw crypto from Coinbase for free?

Yes, for internal transfers between Coinbase accounts, the fee is $0^†. Sending to an outside wallet is not free; the exact cost depends on which crypto you're sending.

How long does a Coinbase bank withdrawal take?

We don't have a confirmed turnaround figure for USD withdrawals to a bank. Coinbase's own help pages list current processing times, and those should be checked directly rather than guessed at here.

Does Coinbase charge more to withdraw crypto than to deposit cash?

It depends on the asset. A USDT withdrawal (0.01%, capped at 20 USDT) can cost less than a SWIFT deposit ($25) on a small transfer, but more on a very large one before the cap kicks in^††.

DISCLOSURE: CompareCEX may earn a commission when you sign up through our links. This does not influence our editorial scores.

RISK: Crypto assets are volatile and unregulated in many jurisdictions. Not financial advice.

Editorial note: no knowledge-base card matched this topic closely enough to cite without forcing it, so none is used here.