fomo app fees vs Phantom, Photon and Coinbase

Here are fomo app fees vs Phantom, Photon and Coinbase, measured the way you actually trade: a buy and a sell, not one side. A round trip costs about 0.9% on fomo, about 1.7% on Phantom, 2% on Photon plus whatever priority fee and Jito tip you set, and on Coinbase it depends entirely on which Coinbase product you mean. fomo is not the cheapest venue here. What you get for the difference is the subject of the second half of this page.

Memecoin trading is high-risk speculation, not investing. Most people who do it lose money on every app in this table, and nothing here is financial advice.

Every competitor figure comes from that company’s own help centre or documentation, read on 11 October 2026, with links in the sources list. Fees change and tiers change. The confirm screen in front of you is the only number that counts, and it is the one to compare.

The round trip, side by side

App	Published fee per side	Round trip	Gas	Notes
fomo	About 0.45% spot	About 0.9%	Included	fomo publishes no percentage; its wording is a competitive fee, gas included, no hidden spreads
Phantom	0.85% on most swaps	About 1.7%	You pay it, extra	Cross-chain swaps can pay a network fee on both chains
Photon	1% of the input amount, buys and sells	2%	Priority fee and Jito tip, both user-set	Collected in SOL; the docs work an example of 0.05 SOL on a 5 SOL buy
Coinbase Wallet swap	Up to 1%	Up to 2%	You pay it, extra	Routing aggregators may add their own fee
Coinbase Advanced, US entry tier	0.50% maker, 0.90% taker	1.0% to 1.8%	Not applicable	Listed assets only, so not new memecoins
Coinbase simple buy	Not published	Not quotable	Not applicable	A spread is built into the quoted price

Three things in that table matter more than the ordering.

First, the fee column is not like for like. fomo’s 0.45% has gas inside it. Phantom’s 0.85% and Photon’s 1% do not, and on a congested Solana block or an Ethereum swap the network fee is the part that stings.

Second, Photon’s extras are set by you. Photon’s documentation says the platform fee is 1% of the input amount on every buy and every sell, collected in SOL, and its Ethereum side charges the same per trade with wallet-to-wallet transfers free. The priority fee and the Jito tip are separate and you choose them. Traders chasing a launch routinely set those high enough to dwarf the 1%. Photon’s pages carry no revision date, which is why the date we read them is on this page.

Third, Coinbase has no single answer. Its pricing disclosures say a spread sits inside the quoted price for simple buys and that fees are worked out when you place the order, varying with payment method, order size, market conditions, jurisdiction and asset. The published percentages exist only on Coinbase Advanced, where the US entry tier moved to 0.50% maker and 0.90% taker on 16 September 2026, with 0.25% and 0.50% in the EU and UK and 0.09% and 0.10% in Brazil, India and other international markets. The fomo app vs Coinbase page unpicks why that distinction decides the comparison.

The onramp is where the real money goes

Arguing over 0.45% against 0.85% is a rounding error next to how you fund the account. Phantom is the only one of the four that publishes its onramp pricing clearly, and the spread between methods is enormous.

Funding method	Phantom’s published cost	fomo
Debit card, including Apple Pay	1.75%	Apple Pay free, checked 11 October 2026; debit card not published
Credit card	3.50%	Not published
ACH bank transfer	0.30%	fomo says free, 1 to 5 days
Domestic wire	1.00%	Not published
Standard ACH withdrawal	Free	Cost not published; 1 to 5 business days
Fast ACH withdrawal	$1.00 plus 0.75%, $1.50 minimum	Not published

Read the first two rows against each other. On Phantom, paying by credit card costs twelve times what a bank transfer costs, and more than a full round trip of swap fees. A $500 credit card deposit gives up $17.50 before you have bought anything.

fomo publishes none of its funding costs, which is a real gap on an app whose headline feature is Apple Pay, but the headline number is better than Phantom’s: funding by Apple Pay on fomo was free when I checked on 11 October 2026, against 1.75% on Phantom for the same tap. On a $500 deposit that is $8.75 kept. The debit card route is the one fomo still does not price, and there is a way to measure it: the deposit screen shows how much crypto your dollars buy, so compare that against the market price and the difference is your true onramp cost. The fomo deposit guide walks through each method, and the withdrawals guide does the same on the way out.

Two Phantom details worth keeping: some flows are free, specifically deposits to the perps balance and swapping USDC, USDT, USDG or PYUSD into Cash. And Phantom’s gasless swaps, offered when you cannot cover gas yourself, still carry a fee, but the flat Solana amount is not published. If you see a specific percentage quoted for Phantom gasless swaps somewhere, it did not come from Phantom.

What the extra fee on fomo buys

fomo loses a straight percentage contest to Phantom on a single swap and to Coinbase Advanced outside the US. That is the honest reading. Here is what sits on the other side of the ledger.

Gas is inside the fee. You never hold a native token on six chains, never top up SOL to sell a position, never watch a trade fail because you were short of gas by $0.40.

One balance across Solana, Base, BNB Chain, Ethereum, Monad and Robinhood Chain, with no bridging. That is worth more than it sounds. Bridging costs money, takes time and is where people lose funds through wrong addresses and wrong networks.

Chain coverage is also moving, not fixed. Phantom’s help centre records that it dropped Monad on 26 August 2026 and Sui on 24 September 2026, and lists Solana, Ethereum, Base, Polygon, BNB Chain, Robinhood Chain, Arc, HyperEVM and Bitcoin while explicitly not supporting Arbitrum, Optimism or Avalanche. fomo lists Monad. If a chain you trade on matters, check the current list rather than any comparison table.

Apple Pay funding, and a phone-first product rather than a browser tool. Photon is the clearest contrast: web only, no iOS or Android app and no extension, with its own docs telling mobile users to run it inside Phantom’s in-app browser. Funding is crypto only. Photon also generates a browser trading wallet and shows the private key exactly once, with no seed phrase, which is a materially riskier custody model than either fomo or Phantom and matters more than any fee on this page.

Regional limits are part of the cost too. Phantom publishes that perps are blocked in the US and the UK, tokenised stocks are blocked in France, Germany, the Netherlands, the UK and the US, card funding runs in the US excluding New York plus the EU, and bank transfers are US only, again excluding New York. fomo’s own restriction is that perpetuals are not available to US persons.

The fee nobody puts in a table

On a small trade in a thin pool, slippage and price impact will usually cost you more than every fee on this page combined. A $300 buy into a pool with $40,000 of liquidity moves the price against you by more than 0.9%, and then the sell does it again.

That is why the cheapest venue is rarely the one that decides your result. Pool depth, position size and how long you hold do far more damage or good. Put your actual numbers into the memecoin profit calculator, which takes entry and exit market cap, position size and pool liquidity, and watch what happens to the fee line relative to everything else. It shrinks.

So which is cheapest

Per trade, on published numbers, with gas and onramp both counted: there is no single winner, which is the useful answer.

Phantom is cheapest on a single Solana swap if you already hold SOL for gas and fund by bank transfer. Photon is the most expensive by design and its users accept that for speed on new launches. Coinbase Advanced beats everyone outside the US and is irrelevant for new tokens. fomo sits in the middle on percentage and wins on friction, which is exactly what it charges for.

If you trade twice a week from a phone and value not thinking about gas, the roughly 0.9% round trip is a fair price. If you trade all day from a desk and already run a wallet, it is not. The fomo app alternatives page compares the same apps on features instead of cost, and the fomo app fees page covers what fomo charges in full, including perps and the reported referral discount on the referral code page.