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Advice on Cost of getting funds to Bitstamp: Direct International Wire vs Bitcoin Purchase with Bank account at Coinbase + transfer to Bitstamp


gtyj
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I'm trying to estimate the total costs of transferring a certain amount of USD (say $3,000) to Bitstamp to then purchase XRP with it. The 2 ways being evaluated are:

1) Bank transfer of USD to my coinbase account, then buy Bitcoin, then transfer the bitcoin to my Bitstamp account.

2) Send international wire directly from my Bank to Bitstamp.

OPTION 1 COST: It seems like the cost of this option is $120 plus whaterver % Coinbase charges for transferring my balance to Bitstamp. The Coinbase page (https://support.coinbase.com/customer/portal/articles/2109597-buy-sell-bank-transfer-fees) shown below says that while ACH deposits are free, there is a 4% transaction fee for all US transcations. So I would have a 4% transaction when I buy Bitcoin ($3000 * 4% = $120). See Coinbase fees below:

CoinbaseFees.thumb.png.4a5a188a75f7defc71da2c112f10f283.png

 

OPTION 2 COST: It seems like the cost this option is just $7.50 plus whatever my bank charges for sending the international wire. The Bitstamp page (https://www.bitstamp.net/fee_schedule/) shown below states that there is a "0.05% deposit fee on our side (minimum fee = 7.5 USD/EUR, maximum fee = 300 USD/EUR)" so in my scenario the cost of getting the $3,000 to Bitstamp is $7.50, since $3000 * .05% = $1.5 and since $1.50 is under their  $7.50 minimum I would be charged $7.50. See Bitstamp fees below:BitstampWireFees.png.7242d35c4448a63e23d416f377e5dfa5.png

 

CONCLUSION:

So is the comparison of just getting the funds to Bitstamp nothing more than comparing: "$120 plus whaterver % Coinbase charges for transferring my balance to Bitstamp" vs "$7.50 plus whatever my bank charges for the international wire"? Have I overlooked any fees involved in getting my funds over to Bitstamp? Have I calculated the fees correctly? Someone please advice, thanks ahead.

PS: I do realize the time difference between international wire (2-5 days) vs ACH transfer + Bitcoin purchase + deposit to Bitstamp (30 minutes to an hour) but I'm just concerned about only the fees involved in these two options.

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