Key Takeaways
- CEX.IO fees start at 0.25% for entry-level traders and taper lower as 30-day volume grows, giving users a clear but slightly costlier schedule than many peers;
- Flat €2.99 SEPA funding and 0 USDC MoneyGram cash deposits can soften those higher spreads for casual traders who prioritize predictable, all-inclusive costs;
- High-volume users chasing the lowest possible charges often save more by tapping Binance’s 25% BNB discount.
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Ready to unlock trading power? CEX.IO fees ensure transparency at every transaction. Launched in 2013, CEX.IO is a retail‑friendly exchange offering spot, margin x10, staking and savings “Earn”, and a fee‑free crypto debit card. Invest with full visibility and flexibility globally.
Tight trading spreads mean every basis point affects your profitability. CEX.IO withdrawal fees, commissions, and funding combine to shape your net return on investment. By understanding CEX.IO's fee schedule upfront, you can plan trades smartly and avoid surprises. Whether you're a novice or seasoned trader, clear visibility into CEX.IO fees empowers you to optimize strategies and maximize ROI.
That said, you’ll also get to compare CEX.IO to Binance, where you get a 25 % fee discount when paying with BNB and can save up to 40 % through promotions.
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Table of Contents
CEX.IO Trading Fees
CEX.IO's fee structure for trading is pretty simple to understand. I’ll cover everything you need to know. Naturally, this includes CEX.IO's deposit and withdrawal fees, as well as its spot and debit card fees.
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CEX.IO Spot Trading Fees
Now, let’s begin with the most basic one first - spot trading. For anyone that is not familiar with it, it’s where you buy or sell crypto instantly at the current market price, with the transaction settled on the spot (no pun intended).
That said, it uses the usual tiered system where the additional charges vary based on your 30-day trading volume:
Trade volume 30 days, USD | Fee (maker and taker) |
|---|---|
< 10,000 | 0.25% |
< 100,000 | 0.23% |
< 500,000 | 0.19% |
< 1,000,000 | 0.17% |
< 2,500,000 | 0.15% |
< 5,000,000 | 0.13% |
< 10,000,000 | 0.11% |
< 20,000,000 | 0.10% |
Table: CEX.IO spot trading fees
As you can see, CEX.IO’s spot maker/taker ladder begins at 0.25% and slides to 0.10%. The same schedule now applies worldwide. For instance, UK traders pay identical rates after FCA approval, and US users in licensed states do too.
To give you an example, CEX.IO's starting fees are quite high, compared to other platforms such as MEXC, whose maker is 0% and taker is 0.05%. Therefore, in regard to spot trading fees, CEX.IO might not be the best choice. That said, I’ll be comparing the exchange’s maker and taker fees with other top-notch platforms later in the article.
CEX.IO Deposit Fees
Before you place a trade, the cost of funding your account sets the tone. Choosing wisely can save more than the maker-taker spread on small tickets. However, you should keep in mind that your first three months’ limit, about $1,000 per day and $3,000 per month, which makes fee-efficient rails crucial until higher tiers unlock.
Payment Methods | Fee |
|---|---|
CEX.IO Pay | 0% |
Visa | 0.49% - 4.99% + service charge |
MasterCard | 0.49% - 4.99% + service charge |
Google/Apple Pay | 0.49% - 4.99% + service charge |
SWIFT | 0.1% (minimum $10) |
SEPA | $2.99 |
PayPal | 3.99% + $5 |
MoneyGram | 0 USDC |
Table: CEX.IO deposit fees via different payment methods
High-frequency buyers, therefore, find it worthwhile to complete address verification early so that larger top-ups can flow fee-free once the standard limits are unlocked.
Regarding the aforementioned service charge, it’s important to mention that it varies by provider and country, so you should check it before a transaction.
If you prefer cash, though, the relatively new MoneyGram rail lets you hand over banknotes at tens of thousands of US outlets and see fresh USDC hit your CEX.IO wallet within minutes. The exchange itself charges 0 USDC here; MoneyGram’s own counter fee is the only cost you’ll see.
Additionally, timing matters. SEPA usually credits the same business day, while SWIFT wires can linger up to three days. Booking an international wire on Wednesday avoids weekend settlement gaps, whereas a Monday-morning SEPA push often lands before lunch, perfect for catching mid-week market breakouts.
That said, CEX.IO keeps customer fiat in segregated accounts and backs operations with surety-bond cover. However, the platform did receive an FDIC warning over earlier insurance wording, so US users should focus on robust segregation rather than assuming blanket federal coverage.
CEX.IO Withdrawal Fees
We learned about funding your account and the fees behind it. Now, let’s see what kind of CEX.IO withdrawal fees come into action when the user wants to move the funds off the platform.
You can choose from several different withdrawal methods. Each one costs something different and takes a different amount of time for the funds to clear.
That said, below you’ll find the hard numbers in the table:
Payment Method | Fee |
|---|---|
CEX.IO Pay | 0% |
Visa | 0.49% - 4.99% + service charge |
MasterCard | 0.49% - 4.99% + service charge |
Google/Apple Pay | N/A |
SWIFT | 0.3% + $25 (minimum $50) |
SEPA | $2.99 |
PayPal | 3.99% + $5 |
MoneyGram | 0 USDC |
Table: CEX.IO withdrawal fees via different payment methods
Now, let me translate the hard numbers above into plain language. For euro‑based customers, SEPA remains the workhorse. On a €2000 cash‑out, the all‑in withdrawal fee is a flat €2.99 - about 15 cents per €1000 - while funds typically hit your balance by the next business day. Compare that to a SWIFT wire, where correspondent banks can nibble €14-40 before funds arrive.
Additionally, card withdrawals trade low paperwork for higher markups. A US trader cashing out $500 to a Visa debit might see an instant settlement for around $15 in platform fees, but remember the issuing bank can quietly tack on a 1-2% FX spread if the underlying card currency differs.
Batch your withdrawals. Instead of pulling $100 every Friday, bundle four weeks into a single $400 SEPA, slashing both network and banking fees.
Lastly, you should keep in mind that paying with crypto on CEX.IO skips the usual platform surcharge, but blockchain fees can swing wildly. Sending 30 USDT on Ethereum during peak NFT mania once cost me $18 in gas, three times more than the fiat card fee above. The same transfer via Tron costs barely $0.80. Therefore, chain choice can dwarf platform economics.
CEX.IO Card Fees
The last major topic to cover is the CEX.IO debit card. If you haven’t encountered it before, here’s a quick overview.
This crypto debit card forms a convenient bridge between decentralized and traditional finance by letting you spend digital assets on everyday purchases with minimal effort. The CEX.IO Card supports more than 100 cryptocurrencies and is accepted in over 150 countries.
📚 Read More: What are Decentralized Applications
From a user’s standpoint, crypto debit cards look and feel like regular bank cards. The key difference is that they’re linked to a crypto payment app or wallet, so CEX.IO Card holders can draw directly on their wallet balances for in‑person or online transactions.
Tempting, right? Naturally, you’ll want to know about the fees. Here’s a snapshot:
Virtual carding issuing fee, one-time | Free |
Currency markup | Free for card payments in EUR and 1% in other currencies |
Monthly fee | Free |
ATM Operations | Currently unavailable |
Table: CEX.IO card fees
As you can see, the deal is attractive. There are no issuance or monthly fees, which already sounds like a great offer. Add free payments in EUR (and just 1 % in other currencies), and it gets even better.
CEX.IO Card limits do apply, so keep these in mind:
Tariff group | Standard |
Daily limit | 3,000 EUR |
Daily transaction count | 25 |
Monthly limit | 10,000 EUR |
Table: CEX.IO card limits
Only successful transactions count toward these limits, so failed payments don’t eat into your quota.
Unfortunately, cash withdrawals are still off the table; ATM support is listed as temporarily unavailable. You’ll need another avenue if you want paper bills.
The CEX.IO Card is currently offered only to residents of the European Economic Area (EEA).
Overall, the standard‑tier limits feel reasonable - up to €3,000 per day and €10,000 per month, capped at 25 successful transactions every 24 hours. For active traders, those caps should cover everyday spending. If you outgrow them, CEX.IO has hinted that higher tiers are on the way, so keep an eye on updates before considering another provider.
Methods for Reducing CEX.IO Fees
We have already covered some methods on how you can lower your CEX.IO fees. To give you a reminder, you can push your 30-day turnover past $100K, and taker fees drop from 0.25% to 0.23%. Reach $2.5M, and they fall to 0.15%. Therefore, it’s advisable to plan a few larger orders instead of many tiny ones to hit those bands sooner.
Another method is to move money along cheap rails. European clients can enjoy SEPA for €2.99 or sometimes 0%. In addition, avoid cards unless speed matters. Their service charge bites.
You should also consider crypto exits, as they incur the network's fees, not those of CEX.IO. Fees can spike when blocks are busy.[1] Instead of sending coins every payday, collect them in your exchange wallet and make one weekly or monthly withdrawal. A single on-chain fee spread over a bigger sum saves plenty.
Moreover, don’t forget about promo codes. BitDegree has a page where you can browse through various promotion deals for all sorts of platforms, so be sure to check it out. Often, you can find welcome bonuses, reduced trading fees, or zero-fee deposits. Check the page before each top-up, as well - new deals rotate in quicker than you think.
Lastly, choose cheaper chains. When moving stablecoins off the platform, Tron or Polygon usually costs pennies, while Ethereum gas can eat dollars.[2] Simply pick the coin-network combo that displays the lowest estimated fee on the withdrawal screen. The same amount hits your wallet, but you keep more.
Looking for more in-depth information on related topics? We have gathered similar articles for you to spare your time. Take a look!
CEX.IO Fee Comparison Against Other Exchanges
Since you’re familiar with CEX.IO fees, you might be wondering how the platform stacks up against other exchanges in terms of fees. Below, you’ll find 3 other alternatives that are considered to be some of the best ones on the market.
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CEX.IO VS Binance
CEX.IO keeps things simple: one ladder for every spot or margin trade and one set of flat-rate funding and card costs. Binance is more flexible: it starts cheaper, gets even cheaper if you pay with BNB, and lets users trim costs further with coupons that you can find on BitDegree.
That said, below, you will see how the two line up on three everyday costs - trading, fiat moves, and debit cards.
30-day volume | CEX.IO maker/taker | Binance maker/taker | Binance with BNB |
|---|---|---|---|
< $10K | 0.25% | 0.1% / 0.1% | 0.075% / 0.075% |
< $5M | 0.13% | 0.08% / 0.1% | 0.0675% / 0.075% |
< $25M | 0.10% | 0.04% / 0.06% | 0.03% / 0.045% |
Table: CEX.IO VS Binance fee comparison
Now, as shown earlier, CEX.IO charges the same rate to makers and takers at every tier.
Paying fees with BNB slices 25% off the posted Binance rate.
To give you an example of CEX.IO VS Binance fees, a $1,000 buy at the entry tier costs $2.50 on the former versus $1.00 on the latter, or $0.75 if you switch on BNB fees.
Let’s take a look at funding now:
CEX.IO deposit | Binance deposit | CEX.IO withdrawal | Binance withdrawal | |
|---|---|---|---|---|
SEPA | €2.99 flat | €1 flat | €2.99 | up to €1 |
Card | 0.49% - 4.99% + svc. charge | Up to 3.75% | same 0.49% - 4.99% | Around 2% (Visa/MC) |
SWIFT | 0.1% (min $10) | $10-30 | 0.3% + $25 (min $50) | ✗ |
Table: CEX.IO VS Binance deposit and withdrawal fee comparison
Plainly, Binance wins on low-fee euro rails, while CEX.IO’s SEPA and card spreads remain higher.
Overall, when comparing CEX.IO VS Binance fees for small trades and everyday funding, the latter is cheaper out of the gate and even cheaper if you enable BNB fees or redeem a coupon deal from BitDegree. CEX.IO only overtakes when your monthly flow tops $20M, or when its free MoneyGram rails beat your local bank.
CEX.IO VS Kraken
Compared to CEX.IO, Kraken is more layered: maker and taker split, deeper volume cuts, and extra rebates for top-tier liquidity providers.
Below, you will find how the two line up on three everyday costs - trading and fiat moves.
30-day volume | CEX.IO maker/taker | Kraken maker/taker |
|---|---|---|
< $10K | 0.25% | 0.25% / 0.40% |
< $5M | 0.13% | 0.02% / 0.12% |
< $20M | 0.10% | 0% / 0.10% |
Table: CEX.IO VS Kraken fee comparison
As you already know, CEX.IO keeps maker and taker equal at every step, while Kraken rewards liquidity: makers drop to zero at the $10M tier, and takers fall to 0.10%.
A $1,000 market buy at entry level costs $2.50 on CEX.IO versus $4.00 on Kraken. Place a limit order, and Kraken falls to $2.50. Pass $5M monthly flow, and Kraken’s 0.12% taker now beats CEX.IO’s 0.13%; even the smallest percentage makes a difference.
Let’s proceed to funding:
CEX.IO deposit | Kraken deposit | CEX.IO withdrawal | Kraken withdrawal | |
|---|---|---|---|---|
SEPA | €2.99 flat | Free | €2.99 | €1 |
Card | 0.49% - 4.99% + svc. | 3.75% + €0.25 | 0.49% - 4.99% | N/A |
SWIFT | 0.1% (min $10) | €4 | 0.3% + $25 (min $50) | €5-13 |
Table: CEX.IO VS Kraken deposit and withdrawal fee comparison
Kraken wins on euro rails, taking nothing for SEPA in and just €1 out, while CEX.IO stays at €2.99 each way. The gap widens when you batch withdrawals because Kraken’s exit fee is flat.
Card funding flips the story: CEX.IO’s low-end 0.49% can beat Kraken’s 3.75% + €0.25 on small buys, though final service charges depend on the card issuer.
For wire-size transfers, Kraken’s €4 SWIFT deposit is cheaper than CEX.IO’s 0.1% percentage cut, yet CEX.IO’s SWIFT withdrawal of 0.3% + $25 is usually steeper than Kraken’s €5-13.
That said, CEX.IO offers predictable fees, suiting smaller or steady traders, while Kraken rewards high volume, passive liquidity, and euro banking rails. Choose the one that matches your habits and currency routes.
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CEX.IO VS Coinbase
Like the majority of platforms, Coinbase splits makers from takers. As per usual, the latter start higher, but the ladder dives much deeper, and perks like free SEPA rails and 0% maker on selected stable-coin pairs can shrink the gap fast.
Let’s take a look at how the two line up on the usual three everyday costs - trading, fiat moves, and cards
30-day volume | CEX.IO maker/taker | Coinbase maker/taker |
|---|---|---|
< $10K | 0.25% | 0.4% / 0.6% |
< $5M | 0.13% | 0.25% / 0.4% |
< $75M | 0.10% | 0% / 0.05% |
Table: CEX.IO VS Coinbase fee comparison
To give a quick example, a $1,000 buy at entry level costs $2.50 on CEX.IO versus $6.00 on Coinbase - unless you place a maker order in a fee-free stable-pair or reach a better volume tier.
That said, let's take a look at funding now:
CEX.IO deposit | Coinbase deposit | CEX.IO withdrawal | Coinbase withdrawal | |
|---|---|---|---|---|
SEPA | €2.99 | €0.15 | €2.99 | Free |
Card | 0.49% - 4.99% + svc. | Buy flow only | 0.49% - 4.99% | N/A |
SWIFT | 0.1% (min $10) | $10 | 0.3% + $25 (min $50) | $25 |
Table: CEX.IO VS Coinbase deposit and withdrawal fee comparison
To put it simply, Coinbase wins on low-fee euro rails, while CEX.IO's SEPA and card spreads remain higher.
Overall, for small trades and everyday funding, CEX.IO fees seem better fitted. Coinbase turns the tables once your monthly flow grows or if you stick to fee-free maker pairs. Check your own mix of trade size, volume, and cash rails - then pick the fee sheet that leaves more in your pocket.
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Conclusions
CEX.IO fees are transparent - 0.25% at entry, falling to 0.10% as turnover grows - backed by flat €2.99 SEPA funding and unique 0 USDC MoneyGram cash ramp, making it "worth it" for traders who prize fee certainty over rock-bottom percentages.
But if squeezing every pip matters, remember: paying with BNB on Binance instantly slashes trading commissions by 25%, and SEPA deposits start at just €1, while Kraken's €1 withdrawals and tiered maker rebates can zero-out fees for liquidity providers.
The content published on this website is not aimed to give any kind of financial, investment, trading, or any other form of advice. BitDegree.org does not endorse or suggest you to buy, sell or hold any kind of cryptocurrency. Before making financial investment decisions, do consult your financial advisor.
Scientific References
1. Chepurnoy A., Kharin V., Meshkov D.: 'A Systematic Approach to Cryptocurrency Fees';
2. Pierro A. G., Rocha H.: 'The Influence Factors on Ethereum Transaction Fees'.
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