How this page is reviewed
Reviewed means every product ranked on this page was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
1
Transak
Transak lists Europe among its markets (provider-stated; check your country on its profile).
2
Coinify
Coinify lists Europe among its markets; it restricts United States, United Kingdom, Canada and others (provider-stated; check your country on its profile).
3
Coinbase Onramp
Coinbase Onramp lists Europe among its markets; it restricts Japan (provider-stated; check your country on its profile).
4
Mercuryo
Mercuryo lists Europe among its markets; it restricts Hungary, China, Pakistan and others (provider-stated; check your country on its profile).
5
Topper (Uphold)
Topper (Uphold) lists Europe among its markets; it restricts Germany, France, Spain and others (provider-stated; check your country on its profile).
6
Stripe Crypto Onramp
Stripe Crypto Onramp lists Europe among its markets; it restricts United Kingdom, Switzerland, Canada and others (provider-stated; check your country on its profile).
7
Onramp.money
Onramp.money lists Europe among its markets (provider-stated; check your country on its profile).
8
Alchemy Pay
Alchemy Pay lists Europe among its markets; it restricts United States, United Kingdom (provider-stated; check your country on its profile).
How you can lose money here, and what the ranking scores
- Regulatory failure: no licence where you are, or a forced market exit.Scored by Whose money-transmission licence is my money riding — and is that entity my counterparty? · 22% (Transak 6/10, Coinify 8/10, Coinbase Onramp 7/10)
- Execution failure: you get a worse price, later, or nothing.Scored by Is the number on the widget the number that settles? · 26% (Transak 6/10, Coinify 5/10, Coinbase Onramp 5/10)
- Information failure: the number is wrong or bought, or your data leaks.Scored by How much identity do I surrender before the coins land in my wallet, and how long does that take? · 18% (Transak 7/10, Coinify 6/10, Coinbase Onramp 5/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Exit failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: What does a €200 purchase actually cost me — by card and by bank, all-in? (34%).
Get provider guidance across all criteria
The onramps advisory evaluates fees, trust, usability, and regional access — beyond the "european-users" filter alone.
Not financial advice · For informational purposes only · Always do your own research