# Card vs Bank BTC Buying Cost Gap (April 2026) — Data Appendix

Published: 2026-04-15
Version: v1.1.0
Window: April 2026 snapshot
Baseline: BTC @ $1000 · US

Report: https://augea.io/reports/card-vs-bank-study
Methodology: https://augea.io/methodology/card-vs-bank-v1
Data page: https://augea.io/data/reports/card-vs-bank-study

## Files

- benchmark-pack.json
  - Full study model, paired rows, country cheapest rows, hero stats, citation info.
- paired-exchange-gap.csv
  - Same-exchange card vs bank midpoints, ratio, gap, and dollar deltas.
- country-cheapest-gap.csv
  - Per-country cheapest card vs cheapest bank rows with delta columns.

## Claim framing

- Median same-exchange card-to-bank ratio: 12.00x
- Widest same-exchange ratio: 20.00x at KuCoin, MEXC, WOO X
- Bank cheaper than card in 10 of 10 tracked countries

## Reuse and attribution

License: CC-BY-4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite:
Augea, Card vs Bank BTC Buying Cost Gap — Augea Data Event (April 2026), https://augea.io/reports/card-vs-bank-study, accessed [DATE].

## Caveat

These are modeled exchange-side estimates from first-party fee schedules.
They are not execution quotes or guaranteed prices.