Blockchain.com Fees Overview

Blockchain.com is a cryptocurrency platform offering wallet services, trading, and financial products. While it allows users to access some features for free, there are associated fees for transactions, trading, and additional services. Here's an extensive overview of Blockchain.com’s fees and costs.

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1. Wallet Fees

Blockchain.com provides a cryptocurrency wallet for storage and transactions. The associated fees depend on the type of wallet and transaction.

A. Wallet Creation and Maintenance

• Cost: Free to create and maintain a wallet.

• Available Features:

  • Store, send, and receive cryptocurrencies.

  • Access to private keys (for non-custodial wallets).

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B. Network Transaction Fees

Blockchain.com does not charge fees for wallet transfers but applies network fees (paid to miners or validators).

Key Points About Network Fees:

1. Bitcoin Network Fees

   • Dynamic fees based on network congestion.

   • Can range from a few cents to $50+ during peak times.

2. Ethereum Gas Fees

   • Based on transaction complexity and Ethereum network congestion.

   • Costs may vary from $0.50 to over $100.

3. Other Cryptocurrencies:

   • Similar fees apply depending on the blockchain used.

Fee Control Options:

• Blockchain.com allows users to select "Priority," "Regular," or "Economy" transaction speeds, with fees adjusted accordingly.

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C. Swap Fees

Blockchain.com offers a Swap feature to exchange cryptocurrencies within the wallet.

• Fee Structure: Typically 0.50%–2.00% per transaction, depending on the traded assets and market conditions.

• Additional Spread: A small percentage may be added as a markup in the exchange rate.

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2. Trading Fees

Blockchain.com operates a crypto exchange where users can trade cryptocurrencies. Fees are based on a maker-taker model and the user's trading volume.

A. Maker-Taker Fee Model

• Maker Fees: 0.00%–0.20%.

  • Applied when adding liquidity to the order book (e.g., placing a limit order).

• Taker Fees: 0.10%–0.40%.

  • Applied when removing liquidity (e.g., placing a market order).

B. Fee Tiers

Blockchain.com offers fee discounts based on trading volume over a 30-day period.

30-Day Volume (USD)	Maker Fee	Taker Fee
$0–$9,999	0.20%	0.40%
$10,000–$49,999	0.15%	0.30%
$50,000–$99,999	0.10%	0.25%
$100,000+	0.00%	0.10%

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C. Instant Buy/Sell Fees

For quick purchases or sales via credit/debit card or bank transfer:

• Fee: 1.99% for credit/debit card transactions.

• Spread: Typically 0.50%–1.00% of the transaction value.

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3. Deposit and Withdrawal Fees

Funding and withdrawing from your Blockchain.com account involves additional costs based on the payment method.

A. Deposit Fees

1. Cryptocurrency Deposits

   • Free for all supported cryptocurrencies.

   • Note: Sender pays the network fee.

2. Fiat Deposits

   • Bank transfers: Free (in most cases).

   • Credit/Debit Card: 2.00%–3.00% fee may apply, depending on the provider.

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B. Withdrawal Fees

1. Cryptocurrency Withdrawals

   • Network fees apply, determined dynamically based on blockchain conditions.

2. Fiat Withdrawals

   • Bank Transfer (ACH or SEPA): Free or minimal flat fee.

   • Wire Transfer: $25–$50 per transaction, depending on the country and bank.

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4. Blockchain.com Rewards Account Fees

Blockchain.com offers interest-earning accounts where users can stake or lend cryptocurrencies.

A. Interest Earnings

• Earning Rates: Vary based on the cryptocurrency.

  • Bitcoin: ~3%–5% annualized.

  • Stablecoins (USDT, USDC): ~6%–12% annualized.

B. Fees for Withdrawals

• Withdrawal fees may apply when moving assets out of the rewards account.

• Cost: Network fees (for cryptocurrency) or flat fees (for fiat withdrawals).

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5. Staking Fees

Blockchain.com provides staking options for specific cryptocurrencies.

A. Service Fee

• A percentage of staking rewards is retained as a fee.

• Rate: Typically 10%–20% of earned rewards.

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6. OTC (Over-The-Counter) Trading

High-volume traders can use Blockchain.com's OTC trading desk for large transactions.

A. Minimum Trade Size

• Usually $100,000 or higher.

B. OTC Fees

• Spread-based fees negotiated individually, depending on trade volume and market conditions.

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7. Custodial Wallet Fees

For institutional clients, Blockchain.com offers custodial wallet solutions.

A. Management Fees

• Cost: Negotiated on a case-by-case basis, typically a percentage of assets under management.

B. Transaction Fees

• Fees for large-scale transactions may be lower due to bulk discounts.

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8. Developer Tools and API Fees

Blockchain.com offers APIs for businesses and developers.

A. Basic API Access

• Free for low-volume usage.

B. Premium API Access

• Cost: Pricing varies based on transaction volume and customizations.

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9. Miscellaneous Costs

A. Currency Conversion Fees

For fiat transactions in non-supported currencies, a currency conversion fee of 1%–3% may apply.

B. Refund Fees

For failed or refunded transactions (e.g., credit card chargebacks), Blockchain.com may charge a small administrative fee.

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Summary of Typical Costs

Fee Type	Estimated Cost
Wallet Creation/Maintenance	Free
Network Transaction Fees	Dynamic, $0.01–$50+
Swap Fees	0.50%–2.00%
Trading Fees (Maker-Taker)	0.00%–0.40%
Instant Buy/Sell Fees	1.99%–3.00% (plus spread)
Deposit Fees (Fiat)	Free for bank transfers, 2.00%+ for cards
Withdrawal Fees (Fiat)	$25–$50 (wire transfers)
Staking/Rewards Fees	10%–20% of earned rewards
OTC Trading Fees	Negotiated, spread-based
Custodial Wallet Fees	Negotiated for institutional clients
API Fees	Free–Custom Pricing

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Blockchain.com’s transparent fee structure offers flexibility for various user needs, but users should carefully monitor network fees and transaction costs, especially during periods of high blockchain activity.