Comparison

Bitcoin withdrawal fees compared (2026)

A live, exchange-by-exchange comparison of what it costs to move your BTC — including the hidden spread.

Withdraw cheaper — Lightning Pay
Open sourceNon-custodialNo KYC
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Bitcoin withdrawal fees — every major exchange (June 2026)

Bitcoin withdrawal fees · June 2026
ExchangeOn-chain BTC feeLightning feeBank withdrawal
CoinbaseNetwork fee + spreadN/A (no LN)Free ACH / $25 wire
Kraken~0.00001 BTC~0.0000001 BTC$5 wire / free SEPA
Binance0.0002 BTCN/AFree SEPA
Cash AppVariable~0 satsFree standard / 0.5–1.75% instant
GeminiNetwork feeN/AFree ACH / 10 free wires
Crypto.com0.0004 BTC (+ spread)N/A$25 SWIFT wire
BitstampNetwork feeN/A€2 SEPA / 0.1% wire
StrikeMempool rate~0 satsFree ACH
Lightning Pay BestMempool rate (your choice)~1 sat~1.5% all-in
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Cheapest method overall — by amount

Under $500
Lightning withdrawal via Strike or Lightning Pay. Fees are sub-cent, settlement is seconds.
$500 – $5,000
Lightning off-ramp direct to bank (Lightning Pay). ~1.5% all-in beats any ACH/wire combo when you factor spread on the sale.
$5,000 – $25,000
Kraken or Coinbase ACH, executed as a limit order on the book rather than instant convert. Costs roughly 0.4–0.8% net once you account for spread.
$25,000+
OTC desk (River, Kraken OTC, Coinbase Prime). Single quoted price, same-day wire, no slippage.
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Hidden costs to watch for

Spread is usually larger than the headline fee. A “$0 fee” instant convert with a 1.5% spread is a 1.5% fee in disguise. Always compare the actual net fiat amount you receive against the live mid-market BTC/USD rate at the moment of execution — not the “fee” line item.

Other costs that don’t show up as fees: minimum withdrawal amounts (forcing you to leave dust behind), withdrawal cooldowns (capital sitting idle is a cost), enhanced-KYC pop-ups at higher amounts (time + paperwork), and the silent risk premium of leaving funds on a custodial exchange between sale and withdrawal.

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On-chain fee tips

  • Mempool fees fluctuate 10–200 sats/vB. Use mempool.space to time non-urgent withdrawals into a low-fee window — usually weekends and US/EU overnight hours.
  • Batched withdrawals (multiple recipients in one tx) cut per-transaction fees dramatically. Some exchanges (Kraken, Bitfinex) batch automatically; others (Binance) charge a flat fee regardless.
  • Set your own fee rate when possible. Many exchanges default to "fast" which can be 3–5× higher than "next block" during low congestion.
  • Consider withdrawing in larger, less frequent chunks. The fee is per-transaction, not per-amount.
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FAQ

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