I could be wrong, but I haven't seen any evidence of these fees. Coinbase charges a 1.49% fee when transferring to/from my Bank changing between USD and BTC.

I could be wrong, but I haven't seen any evidence of these fees. Coinbase charges a 1.49% fee when transferring to/from my Bank changing between USD and BTC. GDAX, which is owned by Coinbase, does not appear to charge me this fee. I don't see evidence of the Shift card charging it either.