Compared by all-in cost, quote accuracy, licence and ID.
Ranked here: fiat onramps, the third-party widget or API that moves your money from fiat into crypto, used as a dedicated funding rail rather than a full exchange. Not ranked here: exchange accounts and other venues you buy on, offramps on the sell side (Transak and Banxa are ranked here for buying), resellers of other onramps, and P2P agent networks.
#1 of 12 · published ranking
Transak
81ChainChoice Score
4199
Why it leads
Transak is 7 points ahead of Coinify, mainly on its measured data (a published fee or rate figure), not on the published criteria.
Show the arithmetic
Ahead of Coinify on measured data, outside the published criteria (+9.6 points; −2.1 points on the criteria)
Cost
$9.90 your cost/yr · Your monthly volume: $1k · How do you buy?: One-time
ReviewedNext review by Published Methodology v2026.11.1
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.
No provider can pay for a position in this table. The code that computes this order cannot read which links carry a referral code, and every build proves it. Every score below rebuilds from the published criteria.Ranking v2026.11.1 · 4 criteria · 12 products · same inputs, same order
How we review · 12 ranked of 26 assessed · 4 criteria · 0 sponsor weight
How we review
12ranked
26assessed
4criteria
0sponsor weight
Recommendation first, comparison only if needed.
Reviewed and rechecked on the current cycle.
Commercial relationships disclosed before clickout.
Personal comparison
What fiat onramps cost you
Your inputs update the cost column. The independent ranking stays fixed.
Purchase spread on what you buy: on one purchase, or for a year of purchases or of trading. Fixed purchase fees and deposit fees are not published as fields yet, so they are excluded, as are network gas and any withdrawal fee. This is the spread the provider states, applied to your amount; where it states a range, this is its low end and your cost can be higher. We have not measured it.
RankProviderBest fitScoreYour cost
1
TransakThe most disclosed onramp in the pool —...Top ranked
Users or product teams that need a broader embedded onramp across more payment method...Trade-off: Users who mostly want the cleanest low-interpretation consumer onramp rather than wid...
81score
Lowest at your inputs
Check availability for your country
Transak · transak.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
2
CoinifyThe pool's fee-schedule anchor - bank 1...
All in purchase cost — 8/10Trade-off: The cheap rail is the unlocked one: pay by SEPA (1%) and you contractually accept 'th...
74score
your cost/yr
Check availability for your country
Coinify · coinify.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
3
BABanxaThe onramp that publishes its worst cas...
Users or teams that care more about funding-rail breadth and embedded optionality tha...Trade-off: Users who want the clearest first-time fiat-to-crypto path with the lowest interpreta...
68score
your cost/yr
Check availability for your country
Banxa · banxa.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
Licence identity — 7/10Trade-off: For the category's representative European buyer the bank rail simply does not exist...
60score
-Not published
Check availability for your country
Coinbase Onramp · docs.cdp.coinbase.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
Licence identity — 6/10Trade-off: Outside the US the confirm-button number is not contractually binding: the global ToS...
57score
-Not published
Check availability for your country
Mercuryo · mercuryo.io. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
All in purchase cost — 5/10Trade-off: The fee is published but the price is not: Topper's fee article (edited 2026-06-29, r...
54score
-Not published
Check availability for your country
Topper (Uphold) · topperpay.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
6 more assessed and ranked below — none of them hidden for commercial reasons.
Ranked on 4 published criteria weighted 34/26/22/18, which set goal alignment — 30 of the 86 points. The rest: regional access 20, evidence depth 18, ease of use 10 (constant here), institutional trust 8 (constant here). Profile match is shown in breakdowns but carries no weight.
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, Banxa 8/10)
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, Banxa 6/10)
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, Banxa 7/10)
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%).
Audit
Infrastructure
Methodology
2026.11.1
published 10 November 2026
Providers tracked
860+
across 121 categories
Last verified
10 November 2026
newest dated pricing or sentiment read
Named on the roster
2 people
managing directors · 6 automated processes
Decision guide
What matters most before choosing in this category
Weighted on the all-in cost of a representative purchase (34), quote honesty and settlement (26), register-confirmed licence identity (22), and KYC friction to coins (18). The representative purchase is the unit because headline fees hide the spread inside the rate: the cheapest advertised rail is rarely the cheapest settlement. Licence identity matters because a widget can ride a partner's registration — the note says whose licence your money is actually on. Supported-country counts are shown as facts and scored nowhere.
What does a €200 purchase actually cost, all-in, by card and by bank transfer?
Is the quoted amount locked at confirm, and what happens when settlement differs?
Whose money-transmission licence is the flow riding, and what happens to your money if KYC rejects you after payment?
Current engine lead
The #1 overall and the scoring weights
TransakEditorial review on file since 27 April 2026
Broad embedded onramp for apps that need more payment and regional flexibility
A practical fit when broader payment-method coverage, embedded app flows, and wider regional flexibility matter more than the simplest mainstream onramp story.
Best forUsers or product teams that need a broader embedded onramp across more payment methods and jurisdictions.
Main tradeoffUsers who mostly want the cleanest low-interpretation consumer onramp rather than wider embedded optionality.
Verify before signupVerify payment methods, region coverage, supported assets, and how the onramp behaves inside your actual wallet or app flow before using it as a default.
Weighted criteria
What does a €200 purchase actually cost me — by card and by bank, all-in?34%
Is the number on the widget the number that settles?26%
Whose money-transmission licence is my money riding — and is that entity my counterparty?22%
How much identity do I surrender before the coins land in my wallet, and how long does that take?18%
Head-to-head comparisons
Research the shortlist
Starter guides
How to buy crypto safelyBuying safely is less about finding the cheapest-looking path and more about choosing the right exchange and funding setup.
Starter guides
Crypto wallet vs exchangeA wallet and an exchange solve different problems, and beginners often get stuck when they treat them like the same choice.
Methodology
How this category is reviewed
Ranked on four questions: What does a €200 purchase actually cost me — by card and by bank, all-in? Is the number on the widget the number that settles? Whose money-transmission licence is my money riding — and is that entity my counterparty? How much identity do I surrender before the coins land in my wallet, and how long does that take?
The order on this page is the published ranking for this category. Every criterion, weight and source behind it is on the methodology page.
Frequently asked
Questions people ask before choosing fiat onramps
What is a fiat onramp in crypto?
A fiat onramp is a tool that moves money from traditional payment methods into crypto, often inside a wallet, app, or embedded flow rather than through a full exchange experience.
When do I need an onramp instead of an exchange?
You need an onramp when the main problem is moving fiat into crypto through a specific funding rail or embedded product flow rather than choosing a broad crypto platform.
What matters most when choosing a crypto onramp?
The ranking weighs what a €200 purchase actually costs all-in, by card and by bank (34%), whether the number on the widget is the number that settles (26%), whose money-transmission licence your money rides on and whether that entity is your counterparty (22%), and how much identity you surrender, and for how long, before the coins land (18%).
Reviewed10 November 2026Method4 criteriaCategoryonramp
Not financial advice · For informational purposes only · Always do your own research
