Crypto Exchange Fees

Coins.ph charges roughly 1.2% spread (the gap between the price you see and the true reference rate) on top of a 0.5% trading fee. Binance PH Spot has effectively 0% spread (you trade against the real order book) and a 0.1% taker fee. On a ₱50K BTC purchase: Coins.ph costs ~₱850 in spread + ₱250 in fees ≈ ₱1,100 total. Binance costs ~₱50 in fees. The convenience of Coins.ph's instant-buy UI costs you 2% per trade.

No. Binance PH (binance.com.ph) is the BSP-licensed Philippine entity, regulated as a Virtual Asset Service Provider. The fee schedule is similar to global Binance Spot (0.1% taker, 0.075% with BNB discount). It supports PHP fiat deposits via UnionBank, BPI, BDO, and InstaPay/PESONet without service fees. KYC is required (Selfie + valid ID). Global binance.com has been geo-blocked for direct PHP access since 2024 — use Binance PH.

Spread is the markup an exchange applies on top of the actual market price. A buy/sell screen showing ₱3,544,000 per BTC when the market is at ₱3,500,000 = 1.26% spread. Easy-buy interfaces (Coins.ph, Maya, GCash GCrypto) bury their profit in spread because users don't see a 'fee' line item — it just looks like the market price. Real spot exchanges (Binance PH, PDAX) show you the order book and charge an explicit fee, which is almost always cheaper.

Tradeoff: convenience vs custody. Exchange = easy to sell back to ₱, BSP-supervised insurance limit, but you don't own the keys. Self-custody wallet (Ledger, Trezor, MetaMask, Phantom) = you fully own it, but you carry the security risk and pay a network withdrawal fee. Rule of thumb: trading capital stays on the exchange, long-term hold (₱50K+ you wouldn't touch for a year) goes to self-custody. Mt. Gox, FTX, and Celsius taught the industry not to leave large balances on exchanges.

Reviewed against the public fee schedules as of 2026-06-15. Exchanges update their tariffs periodically — particularly Binance PH, which adjusts taker fees with promo periods. The calculator uses standard taker rates assuming no VIP volume tier and no native-token discount (BNB). If you hold BNB you get an additional 25% off on Binance; if you trade above ₱2M/month on Coins.ph you may qualify for a Pro tier with lower fees.

GCrypto's fee structure is similar to Maya Crypto (~1.5% spread + ~0.75% trading fee = ~2.25% effective per trade). It's optimized for ₱50–₱5K small buys, not investment-sized trades. Banks like BPI and UnionBank don't yet offer direct crypto trading rails — they support stablecoin transfers via partner platforms. For sustained investment, Binance PH or PDAX are 5–20× cheaper than the wallet-bundled options.

No. The Philippines treats crypto gains as ordinary income subject to graduated rates (0–35%) if it's a livelihood, or as capital gains if held as investment. The calculator shows only exchange-level costs (spread + fee + withdrawal). For tax planning, work with a CPA familiar with BIR RR 9-2023 on virtual asset taxation. Selling small positions held over a year typically qualifies for capital-gains treatment.

No. All math runs in your browser. Trade amounts, reference prices, and your exchange choice never leave your device.