category.offramps.label

category.offramps.promise

Starting path

The fee is not the price. The spread is.

Crypto Offramps evaluated across all-in cost of a representative sale, spread disclosure and quote binding, payout rails, published speed and coverage, and verified licences and regulated footprint.

category.offramps.promise Reviewed on all-in cost of a representative sale, spread disclosure and quote binding, payout rails, published speed and coverage, and verified licences and regulated footprint.

Start with the smart category assistant or jump straight into quick questions. Both paths narrow to the same recommendation standard.

How we review

Recommendation first, comparison only if needed.

Reviewed and rechecked on the current cycle.

Commercial relationships disclosed before clickout.

Audit

Infrastructure

Methodology

2026.04.0

published 2026-04-27

Providers tracked

470+

across 49 categories

Last verified

2026-08-04

editorial freshness

Editorial board

4

audit-log live

Decision guide

What matters most before choosing in this category

The best offramp depends on the rail your money has to land in and on what the sale actually costs — which is rarely the advertised fee. The spread is the real charge and is almost never published as one, so the scored figure combines fee, embedded spread and payout charge for a single representative sale. Then check whether the quote binds: at least one provider states plainly that the rate is fixed when its system processes the payment, not when you accept it, so the euros that arrive can differ from the euros you agreed to.

Key question

How much are you selling, and does it need to land today or is two business days fine?

Key question

Which payout rail do you need — SEPA, SEPA Instant, ACH, wire, or card?

Key question

Is the receiving account in your own name? Several providers will not pay out otherwise.

Current editor lead

Kraken

Exchange cash-out: sell on the order book, withdraw fiat by rail

Data checked Aug 2026

Exchange cash-out: sell on the order book, withdraw fiat by rail. Strongest on all-in cost of a representative sale (9/10): A EUR1,000 order-book sale costs 0.80% taker (0.40% maker) plus a EUR1 SEPA withdrawal — roughly 0.9% all-in, with no widget spread in the path. The one-click 'instant sell' route costs 1% plus a spread the page admits but does not quantify, so the cheap path is the one the user has to choose deliberately. Weakest on payout rails, published speed and coverage (6/10): Kraken's own withdrawal article quotes EUR SEPA at "0–5 Werktage" — the slowest published payout window of the seven, and it is not SEPA Instant. GBP FPS is "Nahezu sofort" and USD ACH is free at 0–2 business days, so speed is rail-dependent rather than uniformly good. Published price: Fee schedule page: instant/recurring trades "1 % Trading-Gebühr … sowie 1,5 % für benutzerdefinierte Orders"; spot order book lowest tier (>$0 to <$5M 30-day volume) "Spot-Maker (%) 0,40 % | Spot-Taker (%) 0,80 %". Cash withdrawal article: EUR SEPA (Bank…

Best for

All-in cost of a representative sale — 9/10Verified licences and regulated footprint — 9/10Spread disclosure and quote binding — 8/10

Main tradeoff

The cheap price only applies if you place a limit or market order on the pro order book; the default 'sell' button is a 1% instant trade with an admitted-but-unquantified spread on top. And EUR payouts are quoted at up to five business days, not SEPA Instant.

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Fee schedule page: instant/recurring trades "1 % Trading-Gebühr … sowie 1,5 % für benutzerdefinierte Orders"; spot order book lowest tier (>$0 to <$5M 30-day volume) "Spot-Maker (%) 0,40 % | Spot-Taker (%) 0,80 %". Cash withdrawal article: EUR SEPA (Bank Frick) fee "1 EUR", min "2 EUR", "0–5 Werktage"; USD ACH "Frei", min 1 USD, 0–2 business days; USD FedWire "4 USD"; GBP FPS "1,95 GBP", near-instant.

Weighted criteria

All-in cost of a representative sale40%

Spread disclosure and quote binding25%

Payout rails, published speed and coverage20%

Verified licences and regulated footprint15%

Leading options

Shared shortlist for this category

These providers are pulled from the same category comparison catalog used in validation, so the category page, comparison page, and provider reviews stay aligned.

Kraken

Exchange cash-out: sell on the order book, withdraw fiat by rail

Editor lead

Best for: All-in cost of a representative sale — 9/10

Ramp Network

Embedded sell widget with per-rail published fees and instant payouts

Embedded sell widget with per-rail published fees and instant payouts. Strongest on payout rails, published speed and coverage (9/10): Payout-methods article publishes hard timings per rail: SEPA Instant "as fast as 10 seconds", SPEI "as fast as 30 seconds", RTP "as fast as 2 minutes", Fast Funds cards "less than 30 minutes", ACH and standard SEPA "up to 2 business days". Weakest on verified licences and regulated footprint (5/10): FCA 928783 and FinCEN MSB 31000287566749 are solid, but the US state footprint is only nine MTLs (AL 921, AK AKMT-17392, AR 135571, MD/NM/OR NMLS 2366547, OH OHMT 282, ND MT105119, KY SC885335) against MoonPay's 50-state coverage, and the Irish CASP entry publishes no registration number. Published price: Sell fee table: ACH 0.99% (min $1.99); RTP 0.99% (min $1.99); SEPA 0.99% (min EUR1.99); SEPA Instant 0.99% (min EUR1.99); SPEI 2.9% (min $1); payout-to-card Mastercard 4.49% (min EUR1.99); payout-to-card Visa 4.49% (min EUR1.99). Same page: "The amount you…

Best for: Payout rails, published speed and coverage — 9/10

MoonPay

Widget offramp with the widest rail set and the deepest licence stack

Widget offramp with the widest rail set and the deepest licence stack. Strongest on verified licences and regulated footprint (10/10): Money transmitter licences in all 50 US states plus DC, Guam and Puerto Rico with numbers published (NY 0000045 including Virtual Currency Business Activity, Texas 3542, Alabama 836, Florida FT230000327), plus FCA FRN 944746, FinCEN MSB 31000301673327, FINTRAC M24701825, AUSTRAC DCE100858195-001, Dutch AFM 41000002… Weakest on spread disclosure and quote binding (3/10): The disclosure admits a spread exists but never quantifies it, and expresses every fee as a ceiling ("up to 4.5%", "between 0.25% and 10%", "between 0% and 10% but is typically about 1%"). Ranges that wide are not a price. Only the 10-second price refresh cadence is stated precisely. Published price: Pricing Disclosure: "MoonPay USA LLC may include a spread in the asset price shown to you during your transaction" — spread amount not stated, and it is "included in the price of the digital asset shown to you". MoonPay fee "up to 4.5%", minimum fees up to…

Best for: Verified licences and regulated footprint — 10/10

Browse this network

Methodology

How this category is reviewed

Reviewed on all-in cost of a representative sale, spread disclosure and quote binding, payout rails, published speed and coverage, and verified licences and regulated footprint.

Reviewed on: All-in cost of a representative sale, Spread disclosure and quote binding, Payout rails, published speed and coverage, Verified licences and regulated footprint.

This page is a maintained category surface, not a static marketing block. Review freshness, provider positioning, and recommendation logic should stay consistent with quiz and provider pages.

Frequently asked

Questions people ask before choosing fiat onramps

What does selling crypto actually cost?

More than the headline fee, usually. The charge is the fee plus the spread between the quoted rate and the mid-market rate, plus any payout charge on the rail — and the spread is the part almost nobody publishes as a number. That is why cost here is measured on one representative sale rather than read off a pricing page.

Can a payout be frozen or the rate changed after I sell?

Both happen. Some providers set the exchange rate when the payment is processed rather than when you accept the quote, and payouts to an account not in your own name are commonly refused. Quote binding is scored separately for exactly this reason.

What matters most when choosing an offramp?

The measured all-in cost and whether the quote binds — 65% of the weight between them. Payout rails and verified licences follow, read from the regulator's own register rather than the vendor's compliance page.

REVIEWEDApr 2026METHOD4 criteriaCATEGORYofframps

Not financial advice · For informational purposes only · Always do your own research

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