OANDA vs Blockchain.Com: Fees, Security, Features & Which to Choose (2025)

Trying to choose between OANDA and Blockchain.Com 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 27, 2025

OANDA

Blockchain.Com

⚠️ We look for what’s best for you.

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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

Yes

United Kingdom

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➕ One of the largest and most trusted platforms worldwide

Limited-time promotion — still available.

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OANDA is ideal if:

Highly trusted, globally regulated – OANDA holds licenses from top-tier authorities (like CFTC, FCA, ASIC), giving you peace of mind in reliability and oversight.
Robust multi-platform flexibility – Access powerful and customizable trading environments across web, mobile, MT4, MT5, and TradingView.
Exceptional educational resources – Comprehensive learning tools, webinars, and research make OANDA especially supportive for continuous trader development.

Blockchain.Com is ideal if:

Fast & liquid trading for individuals — Built for retail users seeking a slick, high-speed exchange with deep real-time order books and ultra-responsive execution.
Seamless wallet-to-exchange flow — Perfect if you want the flexibility of effortlessly shifting funds between a secure non-custodial wallet and your trading account.
Straightforward tools, not overload — Ideal if you prefer a clean trading experience: just enough assets and order types, enhanced with customizable charts without overwhelming complexity.

OANDA isn’t ideal if:

Limited asset variety outside forex: If you're focused on trading individual stocks or ETFs, OANDA doesn’t support direct equity access in most regions, making it less suitable for equity-centric investors.
No guaranteed stops in some regions: Traders in the U.S. or U.K. won’t benefit from guaranteed stop-loss orders, which may be a concern if strict risk control matters to you.
Platform differences by location: Access to MT4, MT5, or advanced APIs varies by jurisdiction, so if you rely on specific tools or automation, check tool availability based on your region before choosing OANDA.

Blockchain.Com isn’t ideal if:

If you need broad crypto access — Not suited for you if you’re after an extensive altcoin lineup, as its asset selection is relatively limited.
If you want round-the-clock live support — Might frustrate you if you rely on phone or email help, because support options are primarily online and can lack responsiveness.
If direct fiat withdrawals are essential — Not ideal if you're aiming to withdraw fiat to a card or e-wallet, as such options are restricted or unavailable.

Fees & Total Costs

Spot Maker/Take

OANDA charges a flat crypto trading commission of around 0.25% per transaction, based on your 30-day trading volume tier; there’s no native token to offer discounts nor separate maker/taker pricing structure.

Blockchain.com applies a tiered maker-taker model for spot trading; maker fees decrease from around 0.40% down to 0% and taker fees from approximately 0.45% down to 0.06%, depending on your 30-day trading volume—there are no explicit discounts tied to holding a native token.

Futures/Derivatives

OANDA does not support crypto futures or derivatives; derivative trading (like CFDs or futures) is offered on other asset classes (e.g., forex, indices), but crypto is limited to spot trading with no funding or Rollover/Funding cost structure.

Blockchain.com offers margin trading (not full perpetual futures) with a recurring margin fee of around 0.02% every 4 hours, applied alongside the usual maker/taker structure when applicable.

Average Spreads on Liquid Pairs

Exact spreads for crypto aren’t published as benchmarks like forex pairs; instead, costs are embedded into the price you see when you buy or sell, offering transparent execution without separate spread disclosures.

While the platform doesn’t publish exact spread figures, liquid pairs like BTC/USDT and ETH/USDT generally trade at tightly competitive spreads comparable to other major retail exchanges, especially during normal market conditions.

Fiat Deposits & Withdrawals

You can fund or withdraw via bank transfer, credit/debit card, or instant bank (depending on region) with no fees charged by OANDA—though your own bank or payment provider may levy conversion or processing costs, and processing times vary from instant to a few business days.

You can deposit fiat via methods like ACH, SEPA, wire transfers, or faster local systems—with deposits typically free or carrying a small fixed fee, and funds arriving in 1–5 business days depending on the method; withdrawals to bank via ACH/SEPA are usually free or low-fee, while wire transfers may carry a modest flat charge and take a few business days.

On-chain Withdrawals

Crypto withdrawals via OANDA (partnering with Paxos/itBit) include a network fee that varies by blockchain (e.g., BTC, ETH, TRX), and while OANDA may not charge an internal fee, the dynamic network cost is passed on as part of the withdrawal.

Deposit to the exchange is free aside from network fees, and withdrawals incur a processing fee plus the variable on-chain network fee, which is displayed before you confirm; the network component is dynamic per blockchain (e.g., BTC, ETH, TRX).

Hidden Costs

While there are no surprise management or sign-up fees, you should note potential costs like currency conversion charges (if funding currency differs), monthly inactivity fees after a long dormancy period, or expedited KYC processing (if applicable)—though none are exorbitant.

Some indirect costs include holding-period delays for card or ACH purchases, currency conversion margins if your currency differs from supported ones, and fees or delays tied to express KYC or expedited verification.

Real-World Cost Example: “€500 BTC

If you bought €500 worth of Bitcoin, the cost would include the 0.25% commission (approx. €1.25), the embedded execution spread in the quoted price, and a separate network fee for withdrawal—making the total cost a mix of commission, implicit price margin, and blockchain fee.

You’d pay a maker/taker trading fee on the €500 trade (depending on order type and volume tier), plus the spread embedded in the rate, and if you then withdraw on-chain, you’d also pay the dynamic network fee and the small processing charge before the BTC reaches your wallet.

Crypto Offering & Trading Features

Number of Coins & Pairs

OANDA offers a small, curated selection of around 9–10 spot cryptocurrencies—such as Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Aave, Chainlink, Uniswap, PAX Gold, and Solana—without a full rank-by-volume list, but includes the most popular coins by market activity.

The platform offers 26–30 cryptocurrencies and 50–80+ trading pairs overall, with the top 20 pairs dominated by major markets like BTC/USDT, ETH/USDT, and top altcoin combinations.

Product Range

OANDA supports only spot crypto trading via Paxos (no margin, perpetuals, options, crypto ETFs, staking, loans, copy trading, bots, or automatic DCA features are available).

Supports spot trading, selective margin (up to 5× on certain USD/USDT pairs), and lending/borrowing via institutional OTC, but does not offer perpetuals, options, crypto ETFs, staking/earn, or copy-trading and advanced automation natively.

Liquidity

While exact figures aren’t public, liquidity is robust and consistently tight due to execution via the regulated Paxos itBit exchange, particularly on BTC and ETH pairs—ensuring reliable execution and minimal slippage.

While exact figures aren’t published, BTC and ETH pairs enjoy robust liquidity, with substantial 24-hour trading volumes and deep order books in core markets.

Tools

The platform offers basic and advanced tools—including “Quick Buy/Sell” (a market-style limit order) and limit orders, stop orders, live alerts, in-app charting, full TradingView integration, and API/WebSocket access for automated strategies.

Offers standard limit and stop orders, but lacks OCO functionality; provides live price charts, basic alerts, and supports both REST API and WebSocket access, though it does not embed a native TradingView charting interface.

Geographic Restrictions by Product

Crypto services are limited in some jurisdictions—spot crypto is accessible only through the mobile and TradingView platforms, and availability may vary; likewise, services like CFDs or derivatives on crypto are not offered in several regions.

Margin trading is blocked in several jurisdictions, including the US, Canada, Japan, Germany, the Netherlands, Italy, and sanctioned nations, while spot services remain available more broadly.

Innovation

OANDA does not offer crypto launchpads/pools or flexible versus locked “earn” products; the focus remains firmly on straightforward spot trading, without DeFi-style or automated yield innovations.

The platform lacks features like launchpads or pools. It also does not offer flexible vs. locked earn options, limiting its appeal for users looking for innovative passive-income tools.

Security, Regulation & Custody

Operating Entity & Jurisdiction

OANDA Crypto is operated by OANDA Coinpass Limited, a UK-registered company (Company No. 11164834) based in London, while the broader OANDA Group was founded in 1996 and is headquartered in New York. It operates through regulated entities across multiple regions.

Blockchain.com originated in 2011 in the UK and is now structured under entities including Blockchain (LT), UAB (Lithuania) and other legal arms in Ireland and the BVI, with its main headquarters in Luxembourg.

Licenses/Registration

In the UK, OANDA Coinpass is registered with the FCA as both a Crypto-asset Exchange Provider and Custodian Wallet Provider, and other OANDA entities are regulated in major jurisdictions including the US (CFTC/NFA), EU (FCA/KNF), Canada (CIRO), Singapore (MAS), Australia (ASIC), Japan (FSA), and the BVI (FSC).

It operates under Lithuanian corporate registration, and in the UK it acts through a regulated partner for financial promotions—no publicly highlighted MiCA or EU-wide license is cited.

Custody

Crypto holdings are entrusted to the third-party custodian Paxos (via Paxos Trust Company), not held by OANDA itself; while formal proof-of-reserves or audit summaries aren’t publicly shared, assets are maintained separately in user-named Paxos accounts.

Custody is centralized (Blockchain holds assets); there’s no visible Proof-of-Reserves report or cold storage ratio publicly declared via their site.

Insurance & Protection Funds

No dedicated crypto insurance, fund protection, or compensatory schemes (like FSCS or SIPC) are in place; crypto assets are not covered by traditional financial protections in the event of platform or custodian insolvency.

There’s no explicit mention of insurance policies or protected fund schemes designed for user asset safety listed on the platform.

Incident History

There appears to be no record of past hacks, major outages, wallet freezes, or official fines affecting OANDA’s crypto services—indicating a clean operational track record thus far.

The platform has not publicized hacks, service suspensions, or regulatory fines, suggesting a relatively clean public incident record to date.

Risk Controls

Robust security measures are offered including mandatory (or strongly encouraged) two-factor authentication, internal security monitoring, a dedicated bug bounty via ethical disclosures, and Paxos-level safeguards such as withdrawal whitelisting and secure custody.

Security features include user-enabled 2FA, support for whitelisting withdrawal addresses, anti-phishing alerts, plus REST and WebSocket API access, though fine-grained sub-account roles aren’t promoted.

Transparency

OANDA provides detailed legal and risk documentation via its Crypto Legal pages, but public disclosures such as monthly audits, wallet addresses, or service-level SLA guarantees are not made openly accessible.

There are no publicly available regular solvency reports, on-chain wallet data, or service-level commitments for transparency, at least not in an openly accessible format.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

Deposits are made via debit/credit card, wire transfer, ACH, BPay (Australia), or online banking—card deposits are almost instant (with monthly caps), while bank methods take 1–5 business days; no explicit minimums stated, and e-wallets are generally not supported for crypto accounts.

You can deposit fiat via bank wire, ACH, SEPA, or card payments, with typical minimums and maximums set per method (e.g. cards around €5, wires higher), and processing times ranging from instant up to several business days, depending on the method and region.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

Levels & Limits

Verification follows tiered access—unverified users have limited functionality, while Full Access requires identity verification, unlocking higher transaction limits and broader features; exact thresholds depend on your country and payment methods.

Withdrawals

Fiat withdrawals can be made with no set caps (GBP/EUR to originating bank) though large sums undergo extra review; crypto withdrawals require 2FA and whitelisting of destination addresses, with withdrawal networks (like ERC-20) chosen depending on the coin.

Withdrawal limits are roughly $100,000 daily, with individual transaction caps by method (e.g. cards ~$1,200, ACH/wire $25,000), and withdrawals process in hours to a few days; crypto withdrawals are supported over common networks like ERC-20, TRC-20, and options depend on token.

Customer Support

Support runs seven days per week (roughly 7 AM–midnight GMT) via email and phone; crypto-specific FAQs and legal resources are available online for self-help.

Support is available 24/7 via ticket and email, there’s no phone line; response times vary (sometimes slow), and there’s an extensive knowledge base and FAQ for self-help.

Languages & Localization

The platform supports native Spanish (among other languages), displays fees in local currencies like €, and adapts regulatory compliance regionally—especially in the UK and EU.

Blockchain.com supports multiple interface languages, including Spanish, and automatically displays balances and fees in your local fiat currency when possible; regulatory coverage adapts per country, using local entity registrations or partner arrangements where applicable.

App Quality & Stability

The mobile app (on both Android and iOS) provides secure, responsive crypto trading—including auto-trade/DCA, advanced charting, and regular updates—though explicit crash rate or stability metrics aren’t published.

The mobile app is noted for being fast and stable with low crash rates, regularly updated; it supports multiple languages including Spanish, displays fees in relevant local currencies, and adapts some features based on your location.

Experience, Performance & Ecosystem

UX/UI

OANDA delivers a clean, intuitive interface that balances simplicity with powerful tools—while there’s no explicit “Lite/Pro” mode, the mobile app is designed for both beginners and seasoned traders, offering quick buy/sell alongside advanced charting options.

The interface is clean and intuitive, with a consistent layout that’s easy to navigate for new users—but there’s no explicit “Lite” or “Pro” toggle; advanced settings emerge as you explore deeper into the trading view, offering a seamless learning curve rather than separate modes.

Performance

Thanks to OANDA’s partnership with Paxos’ itBit and TradingView integration, the platform ensures fast execution and reliable uptime, even during volatile periods—though, as with any high-demand service, minor responsive delays can occur under extreme market surges.

Order execution is generally swift and reliable, though during high-volatility spikes the platform can experience minor latency; KYC verification speeds have notably improved with recent integrations, limiting wait times even when demand surges.

Education

OANDA supplements its platform with helpful learning materials, including an education portal and demo capabilities (for other asset classes), but the crypto side currently offers fewer dedicated Spanish-language guides or simulation tools.

Blockchain.com offers a robust free Learning Portal filled with beginner-friendly guides, explainer videos, podcasts, and deep dives—you can absorb knowledge at your own pace directly from the platform, although dedicated simulators or demo accounts aren’t currently part of the suite.

Community

While OANDA doesn’t run official crypto-focused forums or Discord/Telegram communities, it leverages TradingView’s vast trader base for idea sharing, and offers standard referral incentives globally across its platform.

The exchange supports an official referral program—recently rewarding users with token-based bonuses under defined conditions—and encourages participation through social channels, but there’s no dedicated Blockchain.com Discord or forum hosted by the platform.

Integrations

The platform shines in integration—offering seamless real-time trading via TradingView’s charts, with API access for automation; however, it does not currently support external bot marketplaces, tax tools, or integrated accounting features.

The platform includes integrated TradingView charts for in-platform technical analysis and provides API and WebSocket access for connecting external tools, although automated bots, tax-tracking suites, or accounting integrations are not formally embedded.

Who Each One Is Best For

OANDA is especially well-suited for traders who value a trusted, regulated environment with smooth TradingView access and dependable execution—less ideal for those seeking rich educational content in crypto or advanced automation and tax/reporting tools.

Blockchain.com works best for users who value a streamlined, educational experience, combined with solid trading tools and direct learning resources—but it may be less suitable for traders seeking ultra-custom interfaces or multi-tool automation.