How to use the comparison
Enter the amount you usually send and how many transfers you make per year. Each row is a network: a name, the fee per transfer in the native coin (BTC, ETH, TRX, BNB, SOL…), the coin symbol and its price. Press “Fill live prices” to take coin prices from the KOT.CASH ticker. The table sorts networks from cheapest to most expensive and shows the fee in dollars, as a percentage of the amount, the amount received and the yearly total.
Add rows for anything else you use — Polygon, Arbitrum, Base, TON, Tron energy rental — or for the same network at different congestion levels. The tool simply multiplies and compares, so it works for any chain.
fee in USD = fee in native coin × coin price
% of amount = fee in USD ÷ amount × 100
recipient gets = amount − fee in USD
per year = fee in USD × transfers per yearExample: sending $500, twelve times a year
With the example fees and prices in the table, the XRP Ledger costs about $0.00003, Solana and Litecoin about $0.002, BNB Smart Chain about $0.02, a plain ETH transfer about $0.20, a USDT ERC-20 transfer about $0.60, Bitcoin about $1.50 and USDT on TRON about $1.95 (6.5 TRX burned for energy). Twelve transfers a year range from fractions of a cent to about $23.
Change one assumption and the ranking moves: Ethereum gas can jump ten-fold during a busy hour, Bitcoin fees spike when blocks are full, and TRON costs depend on whether the receiving address already holds USDT and whether you have staked or rented energy. That is why the rows are editable.
Why network fees differ so much
- Bitcoin and Litecoin charge by transaction size in virtual bytes and the market rate per vbyte; more inputs mean a bigger, costlier transaction.
- Ethereum and EVM chains charge gas × gas price. A token transfer uses about three times more gas than a plain ETH transfer.
- TRON charges in bandwidth and energy; a USDT TRC-20 transfer needs energy, which is either burned as TRX or provided by staked or rented energy.
- Solana has a tiny base fee per signature plus an optional priority fee; sending a token to a wallet that has never held it also funds a token account.
- XRP Ledger burns a few drops per transaction; the account reserve is a separate, one-time requirement.
Exchanges usually charge their own flat withdrawal fee instead of the network fee. When you withdraw from an exchange, use that fee in the row.
Choosing a network for a transfer
Cheapest is not always best. The recipient must support the network — sending USDT on BNB Smart Chain to an address that expects TRON can lose the funds or require a costly recovery. Check that the receiving service lists the exact network, compare speed with the confirmation time estimator, and validate the address format first. For stablecoins specifically, the stablecoin network comparison adds a depeg calculator.
Frequently asked questions
+Which crypto network has the lowest fees?
At typical conditions, XRP Ledger, Solana, Litecoin and BNB Smart Chain transfers cost fractions of a cent to a few cents. Fees change with congestion, so check your wallet’s current quote.
+Are the fees in the table live?
No. Defaults are illustrative examples. Replace them with the fee your wallet or exchange shows today; coin prices can be filled from our ticker.
+Why is my exchange withdrawal fee higher than the network fee?
Exchanges set a flat withdrawal fee that covers the network fee and their own costs. Use that number in the row when withdrawing from an exchange.
+Why does USDT on Ethereum cost more than ETH?
A token transfer executes a smart contract and uses roughly three times more gas than a simple ETH transfer.
+Can I add other networks?
Yes — add a row with the network name, its fee in the native coin, the coin symbol and its price.
Calculations run entirely in your browser; nothing you type is sent to KOT.CASH. Results are estimates for information only and are not financial, tax or legal advice.