United Kingdom
Canada
Australia
Singapore
France
Germany
activeExchange
- HQ
- San Francisco
- Fee
- Maker-taker
Coinbase
The public US crypto exchange with a retail app people keep.
Legal entity: Coinbase, Inc. / Coinbase Europe Limited and local entities
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7.5Solid
AlternativesFive questions
At a glance
Is it a bank?
No. Coinbase is not a licensed bank. Confirm who the money sits with before you send salary there.
If it fails?
Not FDIC on crypto. USD cash may sit at partner banks with FDIC — confirm product.
Salary?
No. Do not take salary on an exchange. USD balances are not a payroll current account.
Open from abroad?
Where onboarded. US and 100+ countries with local limits. Exchange ≠ bank.
Monthly fee
Free to hold · spread/fee on trade
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.5
/10 · Solid
The conservative CEX pick in this register. Kraken for the same job with a different culture; Binance for depth with a different risk.
What it is
Coinbase is a listed US crypto exchange. Crypto is not a bank deposit. The card, where offered, is a spend product on top of the exchange, not a current account. NeoBankDB is not this brand. Open only on the official homepage listed here. Outbound goes through /go and pauses. We do not deep-link /login, /signin, or app-store intercept pages. We do not host a login form. We do not put the brand in a subdomain. Official homepage: https://www.coinbase.com
Best for: US and UK retail who want the most licensed large exchange, not the cheapest.
Last checked 2026-09-17. Not advice.
What it does well
- +Public company
- +US regulatory posture
- +App quality
- +USDC
What to watch
- −Retail spreads
- −Support / lockout lore
- −Not a bank
Legal entity, not the app icon
Who is behind it
- Legal name
- Coinbase, Inc. / Coinbase Europe Limited and local entities
- Parent
- Coinbase Global, Inc. (NASDAQ: COIN)
- Founders
- Brian Armstrong, Fred Ehrsam
- Offices
- Remote-first · US HQ history
- If something goes wrong
- Local financial-services regulator of the entity you contracted with
Who holds the money
The account
- Platforms
- Web · iOS · Android
- Account types
- Exchange · wallet · card (select markets)
- Minimum balance
- $0
- Lowest monthly fee
- $0 to hold; trading fees apply
- Who can open
- Individuals and entities where onboarded
- Availability
- US and 100+ countries with local limits
- Support
- Ticketed support — retail load is the known pain
- Hours
- Ticketed / in-app
- Remote open
- Where onboarded. US and 100+ countries with local limits. Exchange ≠ bank.
- Onboarding
- Full KYC. Exchange account is not a current account.
- KYC documents
- Passport/ID plus liveness. Entity accounts are a different pack.
- Minimum age
- 18
- Languages
- EN and localisations
- Salary / payroll
- No. Do not take salary on an exchange. USD balances are not a payroll current account.
- Local rails
- ACH / SEPA on-ramps where live · on-chain withdrawals
- ATM network
- Coinbase Card in select markets — confirm live
- Overdraft
- None
How money actually moves
- Who holds the cash
- Exchange omnibus / customer assets
- How money moves
- ACH / USD · Faster Payments · Crypto on-ramp
- Built for
- Investing
- Settlement
- On-chain + withdrawal queues
- Freeze risk
- Compliance holds on fiat ramps are common
- Card
- Coinbase lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Not FDIC on crypto. USD cash may sit at partner banks with FDIC — confirm product.
- US states / FinCENMSB + state money transmitter / trust · United States
- FCA (register) / othersLocal registrations · UK / EEA
Fees
- Monthly
- Free to hold · spread/fee on trade
- FX markup
- Spread on the retail app; Advanced is tighter
- ATM
- N/A
Features
- –IBAN
- ✓Fee-free core
- ✓Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- ✓Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Spot crypto
- USDC
- Base / on-chain adjacency
- Coinbase Card in some regions
- Custody for institutions
Editorial, not a live demo
Screenshots and video
Official YouTube · CoinbaseMedia is editorial context, not a live demo of the app. Screenshots go stale — read the licence first.
Operator documents
Their own papers
These are the operator’s documents. They outrank this review if they disagree.
Score
- Safety25%
- 8.0
- Fees20%
- 6.2
- Features15%
- 8.2
- App15%
- 8.6
- Global15%
- 8.0
- Support10%
- 5.2
Change log
Full logLicence
US broker-dealer / exchange stack, not a bank
The register scores it as an exchange. The card, if any, is a spend rail.
Licence
US broker-dealer / exchange stack, not a bank
NeoBankDB scores it as an exchange. The card, if any, is a spend rail.
Straight answers
FAQ
01Where is the official site?
NeoBankDB is not this brand. Open only on the official homepage listed here. Outbound goes through /go and pauses. We do not deep-link /login, /signin, or app-store intercept pages. We do not host a login form. We do not put the brand in a subdomain. Official homepage: https://www.coinbase.com Outbound through /go only. No login deep-link.
02Is Coinbase a bank?
Coinbase is filed as MSB + state money transmitter / trust. The named regulator is US states / FinCEN. Still read the entity on the statement before you send money.
03What happens to money in Coinbase if it fails?
Not FDIC on crypto. USD cash may sit at partner banks with FDIC — confirm product.
Ratings and reviews
3.0 / 5 from 1 published review on NeoBankDB.
Retail US
United States· 2026-08-27NeoBankDBOn-ramp works. Fees add up. Not a bank, not a wallet in the self-custody sense.
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