Best Crypto Exchanges in the US: Fees, Features & Security in 2026 – NFT Plazas

Whether you’re a beginner seeking a simple interface or an experienced investor in the US looking for advanced trading tools, picking the right platform is essential for your crypto journey. This is because, out of the hundreds of exchanges available, most limit access to traders in the United States due to regulatory constraints.

Aside from compliance issues, the exchanges available to US residents differ in fees, supported cryptocurrencies, state availability, and security measures. Hence, in this guide, we break down the key features, fee structures, and pros and cons of the top US crypto trading platforms to help you make informed decisions.

Best Crypto Exchanges in the US at a Glance

10 Best Crypto Platforms in the US: Top Picks Review

1. Coinbase – Best for beginners and secure trading

Coinbase is one of the most widely used cryptocurrency trading platforms in the US, especially for beginners. The exchange makes it easy to sign up and trade and focuses heavily on regulatory compliance and security, which appeals to security-conscious investors.

Key features

• Deep liquidity on major crypto pairs

• Advanced trade interface with limit, market, and stop orders

• Strong account security and custody practices

Fee structure

Coinbase splits fees between Simple Trade and Advanced Trade, making basic buy/sell orders more expensive than many exchanges. Simple trades usually include a spread plus a flat or percentage fee, ranging from 1.49% for bank transfers to 3.99% for debit or credit cards. Advanced Trade uses a volume-based maker-taker model, with fees ranging from 0.00%–0.05% for makers and 0.01%–0.60% for takers, depending on trading volume.

Pros and Cons

2. Kraken – Best for advanced traders and margin trading

Kraken supports over 120 crypto assets, including major digital assets and meme coins, as well as seven fiat currencies (USD, EUR, GBP, CAD, JPY, CHF, and AUD). It offers spot trading, margin trading, futures, indices, staking, and OTC services for both retail and institutional users.

Key Features

• Deep liquidity on major pairs, which helps reduce slippage when trading larger sizes

• Lower fees for high trading volume through a maker-taker model

• Strong security measures with cold storage and withdrawal controls

Fee Structure

Basic Instant Buy fees on Kraken are 0.9% for stablecoins and 1.5% for other crypto assets, plus payment method costs. Kraken Pro charges maker fees from 0.00% to 0.16% and taker fees from 0.10% to 0.26%, decreasing with 30-day trading volume.

Pros and Cons

3. Gemini – Best for regulatory compliance

Gemini is known for its regulatory compliance and strong security measures. Founded in 2014 by Cameron and Tyler Winklevoss, the platform supports over 100 cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Bitcoin Cash (BCH), and Litecoin (LTC). Gemini also offers spot and advanced cryptocurrency trading tools, and staking services. 

Key features

• Regulated and compliant with US federal and state laws, including New York BitLicense

• Secure storage with cold wallets and insurance coverage for assets

• Supports spot trading, advanced trade interface, and staking rewards

Fee structure

Basic trades on the website or mobile app include a 0.50% convenience fee plus a transaction fee ranging from $0.99 for orders under $10 to 1.49% for trades over $200. ActiveTrader charges maker fees from 0.20% – 0.00% and taker fees from 0.40% – 0.10%, with stablecoin pairs often at 0.00% maker / 0.01% taker.

Pros and Cons

4. Binance.US – Low-Fee trading and high liquidity

Binance.US is the US branch of Binance, one of the largest global cryptocurrency exchanges by trading volume. Unlike the parent platform, Binance.US complies with US regulations but supports fewer assets than the global platform. It also prioritizes security and provides both web and mobile platforms for traders of all experience levels.

Key features

• Spot trading, staking, and limited crypto derivatives for US users

• Bank transfer (ACH) and debit/credit card support for funding accounts

Fee structure

Binance.US uses a tiered, volume-based fee model, with most spot pairs at 0% maker and 0.01% taker fees, and additional discounts for high-volume traders or payments made in BNB. Simple buy/sell transactions include a spread between market and executed prices. ACH deposits are usually free, while crypto withdrawals vary by network.

Pros and Cons

5. Uphold – Best for multi-asset trading and cross-asset transfers

Uphold is a US-based crypto trading platform that allows users to trade cryptocurrencies, fiat currencies, and even precious metals all in one place. The platform supports major digital assets and stablecoins, and allows users to hold and transfer USD, EUR, GBP, and gold-backed assets. 

Key features

• Multi-asset trading, which includes crypto, fiat, and metals on a single platform

• Spot trading with instant transfers between assets

• Built-in staking and rewards programs on select assets

Fee structure

Uphold uses a spread-based fee model, 0.8% – 1.2% for major crypto and 1.4% – 2.95% for altcoins, with stablecoins around 0.25%. Small trades under $500 incur a $0.99 fee, while card or Apple/Google Pay deposits cost 3.99%, and instant withdrawals 1.75%.

ACH/SEPA bank transfers are generally free. Fees are included in the quoted price, and the Uphold Card charges 0% foreign fees for Elite users, 1.75% for others.

Pros and Cons

6. Robinhood – Best for stock and crypto investors

Robinhood is a US-based trading platform that allows users to trade cryptocurrencies, stocks, and ETFs commission-free. It supports major cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and several stablecoins.

Key features

• Commission-free crypto trading for Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and other major assets

• Simple, beginner-friendly interface with mobile and web access

• Allows trading of stocks, ETFs, and crypto in one account

• Cash management features and instant deposits for eligible users

Fee structure

Robinhood charges no commission for crypto trades, making it appealing for casual and beginner traders. Fees are embedded in the spread, which is typically small but can widen during high volatility. Deposits via ACH are free, while instant deposits and debit card funding may carry small fees. Cryptocurrency withdrawals are limited and may incur network fees depending on the asset.

Pros and Cons

7. Crypto.Com – Best for staking rewards and mobile-first users

Crypto.com is available in 49 US states and supports 400+ cryptocurrencies for spot trading, along with a separate exchange and a self-custodial DeFi wallet. Users can buy and sell crypto via bank transfer or cards and manage digital assets through mobile and web apps.  

Key Features

• Bank transfer and card funding options make it easy to buy and sell crypto on mobile or web.

• The Visa card program offers up to 5% rewards on eligible spending.

• A self-custodial DeFi wallet gives users direct control over digital assets outside the main exchange.

Fee Structure

Crypto.com’s Exchange uses a maker-taker model, with base fees of 0.075% for makers and 0.075% for takers, decreasing for higher 30-day volumes or CRO staking. Low-volume users can pay up to 0.25% maker and 0.50% taker, while high-volume stakers can reach 0% maker and 0.04% taker.

USD deposits via ACH are usually free, crypto withdrawals depend on the network, and other costs include forced liquidation (0.5%) and inactivity fees on the Crypto.com card.

Pros and Cons

8. eToro – Best for social and copy trading

eToro is a US-accessible crypto platform that provides access to over 100 cryptocurrencies, as well as commission-free stocks and ETFs. Its social trading features allow users to mirror trades of experienced traders via the mobile app and desktop.

Key features

• Provides access to over 100 cryptocurrencies, as well as commission-free stocks and ETFs.

• Social and copy trading features allow mirroring the trades of experienced traders.

• Mobile app and desktop platform for easy buying, selling, and portfolio management.

Fee structure

eToro US offers commission-free trading on stocks and ETFs, but charges a 1% fee on crypto asset purchases and sales. Withdrawals carry a flat $5 fee, and transfers of crypto to the external eToro Money wallet incur a 2% fee. Inactivity fees of $10/month apply after 12 months of no login activity. Additionally, small regulatory fees may apply to sell orders for stocks due to SEC and FINRA requirements.

Pros and Cons

9. Bitstamp – Best for simple and reliable trading

Bitstamp has a long-standing reputation and is compliant with US regulations. It supports major crypto assets such as BTC, ETH, and Bitcoin Cash (BCH), as well as over 70 additional cryptocurrencies. The platform offers both a web-based and mobile interface, making it easy for beginners and experienced users to trade digital assets.

Key Features

• User-friendly web and mobile platforms for trading and portfolio management.

• Bank transfer (ACH, wire) and card funding options for easy deposits and withdrawals.

• Strong security with two-factor authentication and cold storage for most digital assets.

Fee structure

Bitstamp US uses a tiered maker-taker fee model that rewards higher trading volumes. For advanced trading, fees start at 0.30% maker / 0.40% taker for 30-day volumes under $10,000 and drop to 0.00% maker / 0.06% taker for volumes above $100 million.

Instant Buy/Sell transactions carry a 4% service fee for credit/debit cards, Apple Pay, Google Pay, or PayPal. USD deposits via ACH are generally free, while international wire deposits and withdrawals carry small fees, such as 0.05% for deposits and 0.1% for withdrawals.

Pros and Cons

10. OKX – Best US exchange for derivative trading

OKX is a global cryptocurrency platform accessible to US users (with some state restrictions) that supports a wide range of digital assets and derivative trading. The platform provides spot trading, futures, options, and margin trading, making it suitable for professional traders. 

Key Features

• Spot trading, margin trading, futures, and options for advanced users.

• Mobile app and web access with integrated wallet for crypto and fiat.

• Strong security features, including two-factor authentication and cold storage.

Fee Structure

OKX US uses a tiered maker-taker fee model based on 30-day trading volume and OKB holdings. Spot trading fees start at 0.08% maker / 0.10% taker and decrease as volume or OKB holdings increase. Some trading pairs on OKX, particularly stablecoin pairs, don’t incur fees, earning OKX a spot among the top zero-fee crypto platforms. Deposits are generally free, while withdrawals incur blockchain network fees that vary by cryptocurrency.

Pros and Cons

Key Factors to Consider When Choosing the Best Crypto Exchange in the USA

Regulatory compliance

Regulatory compliance is crucial when looking for the top cryptocurrency exchange in the USA. Platforms that adhere to federal and state regulations, like the SEC, FINRA, and local banking authorities, ensure safer trading and custody of digital assets.

Additionally, compliant exchanges are more likely to implement strong anti-money laundering (AML) and know-your-customer (KYC) procedures. This reduces the risk of sudden shutdowns or legal issues that could affect your funds.

Fee structures

Trading fees, deposit/withdrawal costs, and spreads vary widely between trading platforms. Some cryptocurrency exchanges use maker-taker models, while others charge a fixed spread or percentage per trade. Lower fees are important for frequent traders, while casual users may prioritize ease of use over cost. Always compare fee structures to ensure trade value aligns with your trading style.

Available cryptocurrencies

The number and variety of cryptocurrencies supported are key considerations. The best trading platforms support major digital assets, including altcoins and stablecoins, and sometimes crypto ETFs. So check whether the exchange supports your preferred trading pairs before committing.

ID requirements

Most US exchanges require identity verification due to regulatory compliance. This usually involves submitting government-issued ID and proof of residence. Although there are crypto exchanges that don’t require ID verification, some might have account and withdrawal limitations. Understanding KYC requirements upfront will help you avoid delays when funding your account or withdrawing assets.

Security and reputation

Account security and platform reputation are vital in the crypto space. Look for features such as two-factor authentication (2FA), cold storage for assets, withdrawal whitelists, and insurance coverage. Exchanges with a long operational history and positive user reviews are generally more trustworthy.

Payment methods

The ease of depositing and withdrawing funds depends on supported payment methods. Common options include bank transfers (ACH or wire), debit/credit cards, and third-party payment systems like PayPal. Fees and processing times vary by method, so choosing an exchange with convenient and cost-effective options is essential.

Customer support

Reliable customer support can save you time and prevent losses during technical or account issues. Check whether the exchange provides live chat, email support, or phone assistance. Response times and availability during market hours are worth considering, especially for traders handling large volumes.

How to Get Started on a US Crypto Exchange

Step 1: Choose a regulated exchange

Start by selecting a US-based exchange that complies with federal and state regulations. Regulatory compliance ensures your funds are protected and reduces legal risks.

Step 2: Create a new account

Sign up with your chosen exchange using your email or phone number. You’ll set up a password and sometimes a username. Ensure your credentials are unique and strong to avoid unauthorized access.

Step 3: Complete identity verification (KYC)

Most US exchanges require KYC verification before allowing full trading and withdrawals. Submit a government-issued ID and other documents requested. Verification may take a few hours to several days, depending on the exchange.

Step 4:  Secure your account

Enable two-factor authentication (2FA) for added security. Consider setting up withdrawal whitelists and using unique passwords for each account. Some platforms also offer hardware wallet integration for enhanced asset protection.

Step 5: Link your payment method

Connect your preferred funding source, such as a bank account (ACH or wire) or debit/credit card. Check fees and processing times for each method to optimize your trading costs.

Step 6: Start trading

Once your account is verified and funded, you can begin buying, selling, and trading crypto. Choose between spot trading, advanced trading, or staking depending on your experience and goals. Monitor trading fees, liquidity, and cryptocurrency market trends to make informed decisions.

Understanding Crypto Regulations in the United States

The US crypto market is regulated by multiple agencies, including the Securities and Exchange Commission (SEC), the Commodity Futures Trading Commission (CFTC), and the Financial Crimes Enforcement Network (FinCEN).

Exchanges operating in the US must comply with federal and state laws, including anti-money laundering (AML) and know-your-customer (KYC) requirements. Regulatory compliance ensures safer trading, protects investors, and reduces the risk of platform shutdowns or legal issues.

Americans’ Crypto Tax Benefits and Obligations

Crypto transactions are considered taxable events in the US, and gains must be reported on federal tax returns. Buying, selling, trading, or using crypto for purchases may trigger capital gains taxes, depending on the holding period.

Some exchanges provide transaction histories to simplify reporting. While there are no broad exemptions, certain holdings, such as staking rewards or stablecoin interest, may qualify for specific tax treatments, making it worth consulting a tax professional.

Conclusion

Choosing the best cryptocurrency exchange in the USA depends on your trading goals, experience, and priorities. Key factors include regulatory compliance, fees, security, available cryptocurrencies, and payment methods. Before opting for any exchange, compare available options based on the factors highlighted above and your trading needs.

FAQs