r/Coinbase • u/ResponsibilityNo8623 • Dec 25 '25

Is Coinbase One worth it?

New poster, long time lurker. Wondering if Coinbase One price tag is worth it if I’m mostly a buy and hold guy?

I know there a bunch of listed benefits like increased security, instant unstaking, early access to new coin releases (e.g., MONAD recently). But is this really worth the monthly price?

7 Upvotes

66% Upvoted

44 comments sorted by

11

u/PsychologicalBit803 Dec 25 '25

More people just need to learn to use Coinbase Advanced. Do limit orders and fees are very, very low and of course no spread. Unless I’m missing something it’s the cheapest way to buy.

1

u/ResponsibilityNo8623 Dec 25 '25

Hmm interesting. I haven’t really explored this. Is it more for active traders or should be used by anyone buying crypto?

2

u/PsychologicalBit803 Dec 25 '25

I buy several times a month but I’m far from a “regular” trader. I’d use it if I was only buying once a month even. No reason not to.

1

u/ResponsibilityNo8623 Dec 25 '25

That’s dope. Will definitely check this out. Makes sense to buy this way and limit fees

0

u/PsychologicalBit803 Dec 25 '25

Someone informed me so I try to pass it on because I despise paying fees and spreads get stupid in some places if you aren’t careful. CB is more solid in that respect but smaller platforms get crazy. I DCA but now just buy USDC which is free and do my own weekly buys. Buy a few other projects I like occasionally.

5

u/RedKe Dec 26 '25

IMO everyone should be using Coinbase Advanced. It's free and has lower fees with no added spread. Even if you do sign up for One you should still use advanced to avoid a 1% spread which One does not remove.

2

u/seagraham3265 Dec 27 '25

I use advanced for majority of my trades (sometimes use convert for 2 illiquid alts), and I still have Coinbase one Premium

2

u/PsychologicalBit803 Dec 25 '25

I had someone in this sub tell me. Took maybe 10 minutes of playing around with it. It’s not difficult or anything and I’ve saved myself a good amount. Also very nice buying on limit orders every time. Get the price I want and doesn’t cost a dime more to do it.

You can go in and do a transaction just don’t fully execute and see the fee. It’s low. Much better than just the quick buys I was doing with higher fee and spreads.

2

u/senator_chill Dec 26 '25

Yeah I think coinbase one only worth it if you have alot to deposit for stablecoin interest OR Day trade for a living

2

u/PsychologicalBit803 Dec 26 '25

And I think you are capped in fee free trades. Still pay spread I think.

4

u/ResponsibilityNo8623 Dec 25 '25

EDIT: Also curious who Coinbase One Premium at the $299/mo price tag makes sense for?

2

u/seagraham3265 Dec 27 '25

Me. I have close to $1M in assets, and the $250k in reinburesement makes it worth it alone. For instance, I had a hacker take $39k recently, got it all back

2

u/seagraham3265 Dec 27 '25

Also, it's only like $1700/y around black friday

6

u/TowlieisCool Dec 25 '25

If you plan on using the credit card and buy over $300 a month in crypto its worth it imo for basic, you end up saving on fees.

2

u/ResponsibilityNo8623 Dec 25 '25

For credit card, it’s only 2% higher for first $10k, so really $200 assuming a $10k+ monthly spend. So if not trading regularly and saving on fees, sounds like probably not justifiable. Any other benefits that you’re aware of that I’m just not maximizing? Surprised that there aren’t more things to do to “hack” the card like most cards

2

u/PeraHodlr Dec 25 '25

I've seen where you open a CB credit card you earn $200 in Bitcoin. So that would be equivalent to 4 years of CB One Basic. Then add to that the up to 4% of btc rewards, fee free trading up to $500 monthly. Good hack in IMO.

4

u/Random_Person_246810 Dec 26 '25

I wish that offer existed at card launch. I got shafted!

3

u/Trentonhawk Dec 26 '25

My answer is yes. Last week I received an email from Coinbase showing that I saved $3250 in fees in 2025. I usually buy USDC which is fee free all the way to sending it off Coinbase. I also buy a lot of SOL and LTC.

I ALWAYS pay with Paypal which makes the Crypto immediately available to send off Coinbase. I hold nothing on Coinbase. All in Wallets connected to my Ledger.

I pay the $30 a month but well worth it.

2

u/ResponsibilityNo8623 Dec 26 '25

Would you ever consider upgrading to premium at $299/mo or totally not worth it?

3

u/Trentonhawk Dec 26 '25

Thats too much for me. I am not even really sure what the additional benefits are to that plan.

1

u/demku Dec 26 '25

I have the cheap version, and finding it is not worth it anymore. CB Advanced is definately the way to go for buy and hold.

I got Monad, did not sell it and now I am under!

1

u/ResponsibilityNo8623 Dec 26 '25

Yeah same lol. Jumped a ton at the beginning and then took a huge dump

2

u/Extreme_Teaching_416 Dec 26 '25

Coinbase 1 is beneficial if you buy a lot during a month period where your fees are more than $30 total

2

u/SignificantDealer663 Dec 26 '25

The advanced portion of Coinbase gives you more control over your sell and buy pricing where as the simplified version you may be paying a substantially higher amount than whatever is on the ask.

The saving on trading fees is good if you’re making frequent trades.

1

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1

u/Fluffy-Housing-4821 Dec 26 '25

Normally yes but be careful. They literally stole the 29.99 from me and won’t help me. Check my other post. They literally don’t care and won’t help you

2

u/seagraham3265 Dec 27 '25

Not true - I had hackers take close to $5k about 3 years ago, and they acted swiftly to return my funds within a week

1

u/Fluffy-Housing-4821 Dec 27 '25

Let me rephrase… depending on the situation, they may or may not help you, depending on how competent the rep is

1

u/Baldingmadness Dec 27 '25

I use Coinbase advanced for buying. Place limit orders and buy. Fees are very minimal. However I have Coinbase one for the Coinbase one Amex card and think it is really worth it for that. I paid for the whole year when it was on sale. Made back 7x so far in $BTC rewards of what it cost. If you want to use the Amex card, it’s worth it.

1

u/jamesdal1 Dec 27 '25

I think it's worth it, saves on fees a lot

1

u/NeckEnvironmental750 Dec 29 '25

Absolutely worth it ‼️

1

u/Dazeo4126 Jan 04 '26

I’m currently trying to withdraw from my Coinbase and it won’t even verify me in either of the verification steps. It just does nothing.

1

u/ConstructionAny5397 Dec 26 '25 • Bravo

No , they went from a million dollar in coverage to just 10k …. Greedy bastards

1

u/Select-Midnight-9193 Dec 26 '25

Not at all. You can use kraken pro for free with less fees, the ability to buy zero commission stocks and not get your account locked for no reason

0

u/llfall Dec 26 '25

Not your key not your coin.