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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.

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 shown on this page, Xcoins delivered 0.00612031 BTC compared with 0.00609602 BTC at Paybis. Xcoins therefore delivered approximately 0.40% more Bitcoin for the same $500 purchase in that comparison. Actual quotes can vary with market prices, payment method, timing and other transaction conditions.
In the $500 Bitcoin comparison shown here, Xcoins delivered 0.00612031 BTC compared with 0.00608075 BTC at MoonPay. That represents approximately 0.65% more Bitcoin delivered by Xcoins in this comparison. Actual transaction quotes can change over time.
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.

Keep going

Licensed by the MFSA. Operating 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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