Applies to USA only
Added to the Coinbase fee schedule:
"Base rate of 4% for all transactions"
This is in addition to the fees they already had.
Example:
You request $500 deposit from your bank account. The ACH transfer itself is "free" but they take $520 out of your account and keep $20. Base transaction fee.
Then you buy bitcoin and they take another 1.49% out of your remaining $500. This part is the same as before but come on.
You are basically paying 5.5% more than the quoted price for your BTC purchases at Coinbase.
My suggestion is use Gemini instead.