Provider at a glance
- Category
- Onramps
- Entity
- Not verified
- Official website
- coinify.com
Independent rankingchecked How it works
Details
Scored 75 out of 100 under methodology 2026.10.18, from the evidence read in September 2026.
Coinify
Fiat-to-crypto onramp
Onramps
#2 Overall
Ranked #2 of 16 onramps in the published ranking
75
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
- $10 cost on your amount
Is Coinify right for you?
Right for you if these matter most
- Purchase cost8/10, the category best
- Quote honesty5/10; the category best is 6
- Named licence8/10; the category best is 9
- KYC and speed7/10, the category best
Not yet tested for your country. Markets it lists: Europe, Asia, Latin America, Africa, Middle East & North Africa. Restricted: United States, United Kingdom, Canada, Australia, Japan, Singapore, South Korea, Indonesia….
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best crypto onramp shows where it lands for you.
What will Coinify cost you?
$10 cost on your amount
- How do you buy?
- One-time
- Amount
- $1k
- Purchase spread
- 1%
$4.95 below the median of 4 priced onramps.
How this is calculatedHow safe is Coinify?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read September 2026.
- LicenceMiCA (EU): no register record on file here.
- On the registersMiCA: authorised, COINIFY ApS (DK, since 2026-05-29). Read 3 November 2026. Open the register
Alternatives to Coinify
Compare all 4- 1Transak6 points above · stronger on quote honesty (6 against 5)81$9.90
- 3MoonPay5 points below · stronger on named licence (9 against 8)70
- 4Ramp Network5 points below · weaker on purchase cost (6 against 8)70
For your setup
Find out if Coinify fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Coinify lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best crypto onrampNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Coinify ranks #2
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (22.5 here) sit inside the score; availability, friction, trust record and measured data add the rest. Best in this ranking on 2 of 4.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
348+8.705.08#1/16Loading evidence…
265+4.164.56#3/16Loading evidence…
228+5.636.09#2/16Loading evidence…
187+4.035.07#1/16Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−6behind Transak, #1
RobustnessHoldsacross a one-point change to each of its 4 criterion scores, the re-run scores 73–77 and stays #2
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of Coinify’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
Is the number on the widget the number that settles? 5 → 9 on its ladder · passes Transak+481#2 → #1
What does a €200 purchase actually cost me — by card and by bank, all-in? 8 → 5 on its ladder · MoonPay passes it−368#2 → #4
Is the number on the widget the number that settles? 5 → 2 on its ladder · MoonPay passes it−370#2 → #4
Whose money-transmission licence is my money riding — and is that entity my counterparty? 8 → 4 on its ladder · MoonPay passes it−469#2 → #4
Smallest climb: “Is the number on the widget the number that settles?” 5 → 9 passes Transak, #1.
Strengths
4 from the score dataWhere it leads
Best for readers who weight
- What does a €200 purchase actually cost me — by card and by bank, all-in? — 8/10, the category best
- Is the number on the widget the number that settles? — 5/10, category best 6/10
- Whose money-transmission licence is my money riding — and is that entity my counterparty? — 8/10, category best 9/10
- How much identity do I surrender before the coins land in my wallet, and how long does that take? — 7/10, the category best
Tradeoffs
0 from the score dataWhere it trails
No scored criterion trails the category best by two points or more, so no tradeoff can be stated from the data.
Record watch-outs
- The cheap rail is the unlocked one: pay by SEPA (1%) and you contractually accept 'the current available exchange rate at the time Coinify processes your trade' - up to 1-2 business days after you saw the 'indicative' quote - and if the trade cannot proceed, your refund comes back EUR20-30 lighter. The 15-minute rate lock exists only on the 3.5-5% card rail, and only in a help-centre article the Terms never echo.
Competitive position
Where Coinify leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#4 / 1612.0 of 20 · best 14.0
Published criteria#1 / 1616.9 of 30 · pool best
Friction#1 / 162.7 of 10 · constant here
Trust record#1 / 163.2 of 8 · constant here
Measured data#2 / 1610.1 of 18 · best 13.8
Where Coinify leads
- What does a €200 purchase actually cost me — by card and by bank, all-in?#1 / 16
- Is the number on the widget the number that settles?#3 / 16
- Whose money-transmission licence is my money riding — and is that entity my counterparty?#2 / 16
- How much identity do I surrender before the coins land in my wallet, and how long does that take?#1 / 16
Where it trailsNo criterion in the bottom third of its pool.
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
MoonPay#3 of 16 · score 70 · 5.0 points behind
Coinify leads on
- What does a €200 purchase actually cost me — by card and by bank, all-in?8 vs 6
- How much identity do I surrender before the coins land in my wallet, and how long does that take?7 vs 5
MoonPay leads on
- Whose money-transmission licence is my money riding — and is that entity my counterparty?9 vs 8
Largest single reason Coinify is ahead: published criteria (+5.2 display points).Scenario cost: MoonPay has no verified pricing for this scenario.
Ramp Network#4 of 16 · score 70 · 5.0 points behind
Coinify leads on
- What does a €200 purchase actually cost me — by card and by bank, all-in?8 vs 6
- How much identity do I surrender before the coins land in my wallet, and how long does that take?7 vs 6
Ramp Network leads onNo scored criterion
Largest single reason Coinify is ahead: published criteria (+5.5 display points).Scenario cost: Ramp Network has no verified pricing for this scenario.
Transak#1 of 16 · score 81 · 6.0 points ahead
Coinify leads on
- What does a €200 purchase actually cost me — by card and by bank, all-in?8 vs 7
- Whose money-transmission licence is my money riding — and is that entity my counterparty?8 vs 6
Transak leads on
- Is the number on the widget the number that settles?6 vs 5
Largest single reason Transak is ahead: measured data (+9.6 display points).Scenario cost: Transak is −$0.10 against Coinify.
Against the leader
81 vs 75 · gap 6.0Why Transak ranks above Coinify
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 6.0 to within rounding. Coinify is ahead on published criteria (+3.4 in its favour).
DimensionThisTransakGap share
Availability · 23% weight12.012.0same
Published criteria · 35% weight16.915.6+3.4, better
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight10.113.8−9.6, worse
Published criterionThisTransakPoints
What does a €200 purchase actually cost me — by card and by bank, all-in? · w3487+1.09, better
Is the number on the widget the number that settles? · w2656−0.83, worse
Whose money-transmission licence is my money riding — and is that entity my counterparty? · w2286+1.41, better
Net7581−6.0
Your scenario
What Coinify costs on your scenario
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. Change an input and every figure recomputes from the published rate; the published rank does not move.
cost on your amount · default scenario — set your own
How do you buy?
How do you buy? · your inputOne-time
Amount · your input$1k
Purchase spread · published rate1%
Rate read from the provider’s published pricing ↗ on 28 September 2026.
cost on your amountCost is stated as cost on your amount in USD; it is never a yield, never annualised, and it does not enter the score.
$10
Under the default inputs · USDCategory median$154 of 16 rows priced · Coinify −$4.95 vs median
Cheapest priced$9.90 · TransakCoinify costs +$0.10 more · availability not applied — set your country to filterCompare with Transak
12 of 16 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 28 September 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessHoldsrank #2 across every one-point re-run
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 28 September 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
What does a €200 purchase actually cost me — by card and by bank, all-in?strength 8 · weight 34Report an error—28 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Is the number on the widget the number that settles?strength 5 · weight 26Report an error—28 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Whose money-transmission licence is my money riding — and is that entity my counterparty?strength 8 · weight 22Report an error—28 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How much identity do I surrender before the coins land in my wallet, and how long does that take?strength 7 · weight 18Report an error—28 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Regulatory failure (Coinify 8/10): 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%
- Execution failure (Coinify 5/10): you get a worse price, later, or nothing.Scored by Is the number on the widget the number that settles? · 26%
- Information failure (Coinify 7/10): 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%
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%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- Coinify "Trading Fees" page (https://
www .coinify .com /trading-fees), fetched 28 September 2026, HTTP 200, unchanged from 18 August 2026. Handling fee: "BUY ORDERS Bank Transfer 1% Credit/Debit Card EEA *3.5% Credit/Debit Card 5%" with "* EU, NORWAY, ICELAND, LIECHTENSTEIN, SWITZERLAND"; sell side "Bank Transfer 1%". Conversion fee: "For all purchases done in currencies other than USD, a foreign exchange fee of 0.50% applies." Network fee: "A fee deducted from the purchased cryptocurrency amount." and "It depends on the Blockchain network’s current transaction volumes." Worked example (our arithmetic, not a Coinify figure): a EUR 200 purchase by SEPA bank transfer = 1 percent handling + 0.50 percent FX = EUR 3.00 plus the network fee; by EEA card = 3.5 percent + 0.50 percent = EUR 8.00 plus the network fee. The exchange-rate margin is not on this page: Coinify's help article 360013699059 says fees "are included in the exchange rate we offer you" without a number. Minimums are on help article 360013698319 (edited 13 December 2024), not on this page.Coinify — official pricing page ↗ · 28 September 2026 - Prices published in
- USDCoinify — official pricing page ↗ · 28 September 2026
- Licences held
- Not published
- Compliance level
- partial
- Regulatory note
- IDENTITY: the Danish FSA company register (queried live 18 August 2026 via the register's own VUTService) returns: 'Company_Name': 'Coinify ApS', 'VAT_Number': '35847995', 'FTID': '10907', 'Company_Area': 'Crypto area', 'Company_Type': 'Crypto-Asset Service Providers', 'Date_of_Registration': '29 May 2026', with MiCA passporting ('CASP according to MiCA', legal basis 'Article 59(7) in Regulation (EU) …')
- Supported chains
- Not published
- Markets served
- europe, asia, latam, africa, mena
- Primary markets
- Not published
- Restricted markets
- United States, United Kingdom, Canada, Australia, Japan, Singapore, South Korea, Indonesia, Philippines, Vietnam, United Arab Emirates
- Operating limits
- Not published
- Availability note
- MARKET RESTRICTION (a named allowlist, not a sanctions representation): Coinify's supported-country article 360013695179 was re-edited on 28 September 2026 (Zendesk edited_at 2026-09-28T13:35:41Z) and states "For the time being, these are the countries that we can support." followed by 111 named countries and territories, and "Important: even though you are residing in a country from the above list, you cannot trade with a payment method (i.e. card or bank account) issued in a country outside of this list." The list covers most of the EEA plus Switzerland, Hong Kong, Taiwan, Thailand, Chile, Colombia, Peru, Uruguay, Israel, Bahrain, Oman, Ghana and Botswana; it does NOT include the United States, the United Kingdom, Canada, Australia or Brazil (Australia and Brazil were on the list read 18 August 2026). The UK is separately barred in the Trade Terms: "in compliance with the new PS23/6 regulations issued by the UK Financial Conduct Authority (FCA), we are unable to permit residents of the United Kingdom to engage in trading activities on our platform."
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Coinify: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category 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
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
14 methodology entries
- 28 September 2026Current verified snapshot · methodology 2026.10.18Score 75, #2 of 16. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 28 October 2026
2026.10.14An exchange's fee is scored at the rate the entity serving the reader's country charges- changed Exchanges and onramps: the fee term of the score reads the rate of the entity that serves the reader's country (taker fee, spread); with no country, the record's base rate. Replaces 2026.10.13's dearest rate.
- added A country whose rates differ from the base records has its own order, the questionnaire run for that country: /best with the country set, Find my best, compare and the country landing print it. 22 questionnaire countries (the EEA ones and the United States) have one for exchanges.
- added A row whose serving entity's rate was not read carries "regional rate not read" (Coinbase for EEA, UK and US readers: its retail fee table is behind sign-in; Kraken and Bybit for UK readers; OKX outside the EEA and the US, whose global page could not be loaded).
- changed OKX: the 0.20% / 0.10% spot-only rate is the EEA entity's and applies to EEA readers only; OKX has no base rate, so its published fee term is neutral.
- 28 October 2026
2026.10.13A venue that charges by entity is priced for each reader by the entity that serves them, and scored on its dearest entity's rate- changed Exchanges and onramps: the fee term of the score reads the dearest entry rate a venue publishes for any of its entities (taker fee, spread), not the rate of one entity.
- added Pricing records carry regional entries (entity, verbatim quote, source, read date); every cost a reader sees, on the list, the provider page and the country page, is computed on the entry for their country.
- changed Exchange scores this rule gave, before and after; 2026.10.14 replaced it in the same release, so they were never the published order: Bitstamp 79 to 81 (#3 to #1), Bybit 81 to 78 (#1 to #2), Upbit 76 to 78 (#4 to #3), Binance 75 to 76 (#5 to #4), OKX 80 to 73 (#2 to #5), Coinbase 69 to 71, Luno 69 to 70, Bitvavo 62 to 69, VALR 58 to 62 (#10 to #9), Kraken 60 to 62 (#9 to #10), CoinDCX 45 to 51 (#12 to #11), Gemini 48 to 49 (#11 to #12), Mercado Bitcoin 42 to 44. Bitso is unchanged at 41 (#14).
- added On every build three checks fail: a price without the currency it is billed in, a regional entry its quote does not bear out or a venue with a separate EEA entity and no EEA rate, and a provider that no longer operates still carrying a price.
- 20 October 2026
2026.10.11Two new requirements: the chain you swap on, and a MiCA authorisation in the onramp's own name- added DEXs: "Which chain do you swap on?" (Ethereum or another EVM chain, Solana, or several). Solana keeps only Orca and Raydium; EVM removes Orca, Raydium and Osmosis; it keeps a venue with two years of pools on any EVM chain, not necessarily the reader's. Each venue's chains come from data/dex-chain-deployments.json, read from DefiLlama on 2026-10-20.
- added Onramps: "Authorised under MiCA in its own name" removes Transak, Mercuryo (it rides Criptan's authorisation), Stripe (its terms do not name the crypto provider), Topper (Uphold), Alchemy Pay and five regional rails (Koywe, Onramp Money, Onmeta, Fonbnk, Kotani Pay); six providers authorised in their own name remain. Each row is matched to ESMA's register by LEI (data/esma-casps.json, read 2026-10-10).
- added On every build a test holds each of the eight flagship categories to at least one answer that changes its winner.
Methodology 2026.10.18, the same published run every visitor sees · receipt onramp:coinify:2026.10.18:81e0d99e7baa
Are you Coinify? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.