Coinmama vs Coinzoom: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Coinmama and Coinzoom This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on August 16, 2025

Coinmama

Coinzoom

⚠️ We look for what’s best for you.

₿ Getting into crypto? With eToro you can start in minutes: buy/sell top coins, set recurring buys, track markets, and use Social/CopyTrader features.

👉 Start here and explore the crypto offer.

Available Countries

United States

Yes

Europe

Yes

Latin America

Yes

India

Yes

China

Yes

Canada

Yes

United Kingdom

Yes

United States

Yes

Europe

Yes

Latin America

Yes

India

Yes

China

Canada

United Kingdom

Thinking about starting with crypto? This is for you.

In select regions, eToro offers a $10 welcome bonus when you open an account today.*

🎯 An account built to help you start with crypto—without the hassle.

➕ Buy and sell top cryptocurrencies in minutes

➕ Recurring buys, price alerts, and advanced charts

➕ Social/CopyTrader™ to follow experienced investors

➕ One of the largest and most trusted platforms worldwide

Limited-time promotion — still available.

*Offer subject to terms, eligibility and regional availability. Don’t invest unless you’re prepared to lose all the money you invest.

Coinmama is ideal if:

Effortless for beginners — Streamlined, no-frills interface lets you buy crypto and send it straight to your own wallet in just a few taps.
Global and flexible — Available in nearly 190 countries with a wide range of local payment methods to suit diverse needs.
Built for safety and autonomy — Non-custodial model means you always control your funds, supported by robust regulatory compliance and encryption.

Coinzoom is ideal if:

Spendable Crypto – If you want to seamlessly use crypto for everyday purchases, CoinZoom’s Visa debit card lets you tap into digital assets at millions of merchants worldwide.
Simple Transfers – Ideal for users who value instant, fee-free peer-to-peer sending, CoinZoom’s ZoomMe enables quick transfers in crypto or fiat—no fuss, no hidden charges.
All-levels Access – Whether you're just getting started or consider yourself a seasoned trader, CoinZoom offers both a beginner-friendly interface and pro-level charting tools to match your pace.

Coinmama isn’t ideal if:

Not for advanced traders — Lacks tools like charts, limit orders, and margin trading, making it unsuitable if you need sophisticated trading features.
Limited crypto variety — Offers a relatively small selection of coins, which may frustrate users looking for broader portfolio options or niche tokens.
No built-in wallet or phone support — You must use your own external wallet for storage, and customer support lacks direct phone access for urgent communication.

Coinzoom isn’t ideal if:

Limited asset variety – If you're looking for a platform with a vast selection of crypto tokens and trading pairs, CoinZoom’s offering may feel too narrow.
Basic trading tools only – Designed for everyday use, the exchange lacks advanced features like futures, derivatives, or deep order types that power traders might need.
Patchy customer support – Users report that support options are mainly email-based and may respond slowly, which can be frustrating when you need quick help.

Fees & Total Costs

Spot Maker/Take

Coinmama doesn’t operate with traditional maker/taker tiers based on order book liquidity—instead, it charges a flat commission plus a built-in spread, with loyalty-based fee reductions (up to around 25% off) for users who reach certain cumulative spending thresholds over time.

CoinZoom applies a tiered maker-taker model, with maker fees ranging approximately from 0.18 % to 0.36 % and taker fees around 0.22 % to 0.44 %, and users can unlock between 10 % to 50 % discounts if they hold the native ZOOM token at the time of trading.

Futures/Derivatives

Coinmama currently does not offer futures, margin, or derivative trading, so there are no related maker, taker, or funding costs involved.

CoinZoom does not currently support futures or derivative contracts, so there are no associated maker/taker or funding expenses to consider.

Average Spreads on Liquid Pairs

While specific spread numbers aren’t publicly listed, Coinmama embeds a markup—commonly known as a spread—within the quoted rate on top of its commission, meaning any trade price you see already includes a buffer above market mid-price.

The platform does not publish average spreads for major spot pairs, suggesting it operates with relatively tight, market-driven spreads — typical for mainstream spot exchanges without leveraged products.

Fiat Deposits & Withdrawals

You can fund your account via bank transfers (SEPA, SWIFT, Open Banking) or card/e-wallets (Visa/Mastercard, Apple Pay, Google Pay, Skrill), with free options for some bank channels and a percentage-based “express fee” for cards and wallets; Fiat withdrawals are sent back to your original payment method, typically taking one to several business days to process.

Users can fund accounts via wire, ACH (when available), debit or credit card, CoinZoom Cash, ZoomMe, and external wallets, with fees from none up to a small flat fee; processing ranges from immediate for cards to several business days for wire transfers.

On-chain Withdrawals

Crypto withdrawals to your own wallet are facilitated without extra platform fees, but actual network fees apply and depend on the blockchain (e.g., Bitcoin, Ethereum, Tron), varying dynamically with network congestion and gas rates.

CoinZoom charges a fixed rate for Bitcoin withdrawals (about 0.0005 BTC), while other crypto networks likely follow similar static fee models—suggesting consistency rather than dynamic, network-dependent pricing.

Hidden Costs

Additional implicit costs may come from currency conversion if using non-fiat-native methods or local currency—plus small surcharges for instant payments through certain methods—while there are no inactivity fees and identity verification is required but generally included as part of the signup process, not as a premium service.

No inactivity or expedited verification fees are evident, but currency conversion and card use may carry implicit costs—such as trade or conversion margins—when interacting via Visa or debit-linked tools.

Real-World Cost Example: “€500 BTC

If you buy €500 worth of Bitcoin, the price you pay includes Coinmama’s commission and built-in spread, and sending that BTC to your wallet means you’ll also incur the standard blockchain network fee—but there are no surprises beyond the displayed total at checkout.

If you purchase €500 worth of BTC, you’d only incur the spot maker or taker fee (based on order type and ZOOM holdings), plus an unquantified minimal spread, and then a fixed fee when withdrawing that BTC—without layering ad-hoc or shifting charges.

Crypto Offering & Trading Features

Number of Coins & Pairs

Coinmama offers over 40 cryptocurrencies in total, including around 19 of the top 30 by market cap. Its top-20 by volume mainly include familiar names like Bitcoin (BTC), Ethereum (ETH), Tether (USDT), BNB, Solana (SOL), XRP, and others, ensuring exposure to the most traded assets.

CoinZoom supports a curated selection of approximately 28 to 40 cryptocurrencies, and over 100 total trading pairs—including both crypto-to-crypto and crypto-to-fiat markets—covering most top-volume assets without overwhelming breadth.

Product Range

Coinmama focuses exclusively on spot purchases and simple swaps—offering no margin, perpetuals, options, ETFs, staking programs, loans, copy trading, grid bots, or automatic DCA functionality.

You’ll find spot trading and margin trading (up to 5× leverage); no futures, perpetuals, options, or ETFs; limited staking (DASH, ALGO where permitted); plus value-added tools like crypto payment cards, ZoomMe transfers, and merchant services—but no copy-trading, grid bots, or automated DCA.

Liquidity

Being a broker rather than an exchange, Coinmama doesn’t display order books or real-time volume data for pairs like BTC or ETH; liquidity is assured through its own inventory, making market depth and 24-hour volumes internal and not publicly shown.

Daily trading volume hovers in the lower-to-mid hundreds of thousands of dollars, and the BTC/USDT and ETH/USDT order books reflect modest depth—adequate for mid-sized trades but lacking the heavy liquidity of major global exchanges.

Tools

Coinmama offers none of the typical advanced trading tools—there are no limit, stop, or OCO orders, no alerts, no charting interface, no public API or WebSockets, and no native integration with TradingView for analysis.

CoinZoom offers advanced and simple trading modes, with order types such as limit, stop, market, and OCO supported; robust charting (100+ indicators) via its Advanced Web Trader; real-time order-flow and depth data; and full API/WebSocket access—though it does not integrate TradingView natively.

Geographic Restrictions by Product

All of Coinmama’s services are globally accessible where regulations permit; no additional products like derivatives or margin are available anywhere, so there are no region-specific product restrictions beyond general country bans.

Certain advanced offerings—like margin trading—may be unavailable in some jurisdictions (e.g. certain U.S. states), and the CoinZoom Visa card is currently limited to U.S. residents holding a specified amount of ZOOM tokens.

Innovation

Coinmama doesn’t support features like launchpad or launchpool initiatives, nor does it offer flexible or locked earning programs—its current setup remains strictly focused on one-time fiat-to-crypto purchases without ongoing yield products.

CoinZoom offers its Prime rewards and ZOOM-token-based benefits, flexible merchant/p2p payment tools like ZoomMe, and CoinZoom Cash—but lacks features like launchpads or launchpools, and its staking is limited with less distinction between flexible vs. locked programs.

Security, Regulation & Custody

Operating Entity & Jurisdiction

Coinmama is operated by a regulated company incorporated in Ireland (originally founded in Israel in 2013) and is part of Wellfield Technologies, with its current main base in Vancouver, Canada.

CoinZoom, Inc., founded in 2018 and headquartered in Salt Lake City, Utah, is a U.S.-based Money Services Business registered with FinCEN and holds numerous state-level money transmitter licenses, as well as a Digital Currency Exchange license in Australia—reflecting a broad operational footprint across multiple jurisdictions.

Licenses/Registration

Coinmama is registered as a Money Services Business (MSB) with the U.S. Financial Crimes Enforcement Network (FinCEN) and also compliant with Canadian regulation under FINTRAC, ensuring proper oversight in these key jurisdictions.

The platform is officially registered as a Virtual Asset Service Provider (VASP) with FinCEN in the U.S., and as of June 2025, it also holds a VASP license in Latvia, authorizing services across the EU under a framework aligned with MiCA regulations.

Custody

Coinmama operates on a non-custodial model—meaning you always control your crypto, as they don’t hold tokens on your behalf—and there is no public proof of reserves, auditing statements, or disclosed cold-storage ratios.

CoinZoom safeguards assets using institutional-quality custodians, multi-signature and cold storage solutions, and holds a SOC 2 Type II certification—though there’s no visible proof-of-reserves or specific breakdown of cold vs. hot holdings.

Insurance & Protection Funds

The platform does not advertise any insurance or user fund protection schemes, so users rely primarily on Coinmama’s non-custodial approach for the safety of their crypto holdings.

There’s no mention of dedicated insurance or protected reserve funds for digital assets, suggesting that protection rests on custody security infrastructure rather than an explicit insurance policy.

Incident History

Coinmama experienced a data breach in 2019, involving compromised emails and hashed passwords of older accounts; since then, no major hacks or regulatory penalties have been reported publicly.

There have been no publicly reported hacks, service suspensions, asset freezes, or regulatory fines associated with CoinZoom, indicating a clean operational history to date.

Risk Controls

Security measures include two-factor authentication (strongly recommended for users), but Coinmama does not currently offer advanced features like address whitelisting, anti-phishing layers, sub-accounts, or granular API permissions.

Users are protected through mandatory multi-factor authentication, account-level alerts, and secure account controls; institutional clients benefit from granular API permissions, although standard users may not yet access features like whitelisting or sub-account segregation.

Transparency

The exchange does not provide transparent, publicly available reports like monthly proof-of-reserves, accessible wallet addresses, or service-level agreements for uptime—but emphasizes clarity about its regulatory standing and verification processes.

While CoinZoom maintains SOC 2 audit standards and regulatory licensing information, it does not currently provide public wallet addresses, regular financial transparency reports, or specific service-level uptime commitments.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

You can fund your Coinmama account using bank transfers, credit/debit cards, and e-wallets (like Skrill or Neteller), as well as regional systems such as Giropay, PIX, and PSE, with minimum amounts usually starting around $5–$20 and daily or monthly maximums tied to your verification level; processing times vary by method, with cards and e-wallets instantly crediting your account and banks typically taking longer.

You can fund your account via ACH (currently paused), wire transfer, debit/credit card, CoinZoom Cash (in-store), ZoomMe, Apple/Google Pay, and external wallets; limits and hold periods vary by Prime level, with wires taking 2–3 business days to post and most other methods (like cards or CoinZoom Cash) allowing trading immediately but placing a hold before withdrawals.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

Verification is tiered

CoinZoom uses a tiered Prime system tied to ZOOM token holdings rather than traditional KYC tiers; higher Prime levels unlock higher deposit, spending, and withdrawal limits—but there’s no separate “basic” vs “advanced” KYC structure displayed.

Withdrawals

Crypto withdrawals are sent directly to your own wallet and incur only the standard blockchain fee; fiat withdrawals return funds through the original payment method, with a minimum typically around $30 and timing dependent on the payout channel.

Crypto withdrawals to external wallets are generally unlimited for verified users and processed immediately; fiat withdrawals such as wire transfers can take 1–5 business days depending on method and Prime level, while instant debit-card options and ZoomMe transfers offer rapid access within preset Prime-tier restrictions.

Customer Support

Support is available 24/7 via live chat and email, backed by a rich knowledge base and academy content for self-help—though phone support isn’t offered, allowing generally quick replies and practical guidance.

Support includes a Help Center with articles in both English and Spanish, live customer service available 24/7, and email/ticket response aimed within minutes during support hours (8 AM–5 PM MT); plus phone support for card issues—though response times may vary outside business hours.

Languages & Localization

The platform’s interface is primarily in English, but supports multiple fiat currencies (like €/USD/GBP) for display, and adapts payment options and compliance to match local regulatory requirements across different countries.

The platform’s primary language is English, with a support knowledge base also available in Latin American Spanish; pricing and limits are displayed in USD, and localized services or regulatory details are tailored mainly to U.S. and select international regions.

App Quality & Stability

Coinmama operates via a web-based service and does not offer a mobile app; while the website is reliable and regularly updated, there’s no downloadable application to discuss in terms of stability or crash performance.

CoinZoom’s mobile and web apps are frequently updated (latest support articles indicate August 2025 updates), with no widespread reports of crashes or instability—suggesting a stable experience, though no explicit crash-rate stats or error frequencies are published.

Experience, Performance & Ecosystem

UX/UI

Coinmama uses a clean, modern web interface that’s highly intuitive—there’s no Lite or Pro toggle, keeping it straightforward and instantly approachable for newcomers who just want to buy crypto quickly.

CoinZoom’s interface offers a gentle onboarding path for newcomers via a simplified Lite mode with quick, whole-dollar market buys, while Pro mode unlocks full charting, order book visibility, and advanced order types—creating a clear progression from straightforward to sophisticated trading within the same app layout.

Performance

Purchases are generally processed swiftly after payment confirmation, with minimal order latency even during busy periods; KYC processes remain efficient, and there’s little evidence of significant delays during bull runs.

Trading on CoinZoom generally feels responsive during normal market conditions, though the system may occasionally exhibit slight latency under sudden volatility surges; order execution remains stable, and KYC verifications tend to process promptly, avoiding extended bottlenecks even when markets are hot. (Inferred from operational design and user feedback.)

Education

Coinmama offers a helpful Academy hub with beginner-friendly articles in English, though it lacks demo trading tools or simulators, and currently doesn’t provide education content in Spanish.

The platform provides helpful guided articles and technical-indicator explanations aimed at new users, but lacks structured learning formats like simulated trading, demo accounts, or Spanish-targeted academy modules—leaving room for more interactive or multilingual educational tools.

Community

While Coinmama doesn’t host an official forum or Discord, it does run a robust affiliate/referral program with tools and dashboards, fostering a grassroots community of promoters rather than active chat groups.

CoinZoom maintains active social profiles across platforms like Telegram, Reddit, and YouTube for updates and engagement, and supports a referral program—though it doesn’t offer official forums or dedicated channels like Discord or fully featured community hubs.

Integrations

The platform remains minimalist with no external integrations—there’s no TradingView, bot support, tax accounting tools, or bookkeeping connectors, keeping the focus purely on one-click fiat-to-crypto purchases.

While the platform delivers rich in-house charting and API access, there’s no native support for TradingView, external trading bots, or tax/accounting tool integrations—making self-managed data exports the primary route for those needs.

Who Each One Is Best For

This platform excels for buyers who value simplicity and speed, especially beginners; advanced traders seeking analytics, automation, or educational languages beyond English may prefer more feature-rich alternatives.

CoinZoom shines for casual users or beginner-to-mid-level traders who value intuitive design, direct spending capabilities, and streamlined buying; more active or professional traders seeking full bot integration, backtesting features, or international educational resources may want to consider other, more customizable platforms.