Provider at a glance
- Category
- Onramps
- Entity
- All 2 Transak products
- Official website
- transak.com
Independent rankingchecked How it works
Details
Scored 81 out of 100 under methodology 2026.10.18, from the evidence read in September 2026.
Transak
Fiat-to-crypto onramp widget
Onramps
#1 Overall
Ranked #1 of 16 onramps in the published ranking
81
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
- $9.90 cost on your amount
Is Transak right for you?
Right for you if these matter most
- Purchase cost7/10; the category best is 8
- Quote honesty6/10, the category best
- KYC and speed7/10, the category best
Look elsewhere if these come first
- Named licence6/10 here; MoonPay scores 9
Not yet tested for your country. Markets it lists: United States, Europe, Canada, Australia, Asia, Latin America, Africa.
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 Transak cost you?
$9.90 cost on your amount
- How do you buy?
- One-time
- Amount
- $1k
- Purchase spread
- 0.99%
$5.05 below the median of 4 priced onramps.
How this is calculatedHow safe is Transak?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read September 2026.
- LicenceMiCA (EU): no register record on file here.
Alternatives to Transak
Compare all 4- 2Coinify6 points below · stronger on named licence (8 against 6)75$10
- 3MoonPay11 points below · stronger on named licence (9 against 6)70
- 4Ramp Network11 points below · stronger on named licence (8 against 6)70
For your setup
Find out if Transak fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Transak 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 it leads
Why Transak ranks #1
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (20.9 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
347+7.625.08#2/16Loading evidence…
266+4.994.56#1/16Loading evidence…
226+4.226.09#7/16Loading 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+6over Coinify, #2
RobustnessHoldsacross a one-point change to each of its 4 criterion scores, the re-run scores 81 and stays #1
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 Transak’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.
What does a €200 purchase actually cost me — by card and by bank, all-in? 7 → 3 on its ladder · Coinify passes it−478#1 → #2
Is the number on the widget the number that settles? 6 → 2 on its ladder · Coinify passes it−480#1 → #2
Whose money-transmission licence is my money riding — and is that entity my counterparty? 6 → 1 on its ladder · Coinify passes it−579#1 → #2
Strengths
3 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? — 7/10, category best 8/10
- Is the number on the widget the number that settles? — 6/10, the category best
- 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
1 from the score dataWhere it trails
Not for readers who put first
- Whose money-transmission licence is my money riding — and is that entity my counterparty? — 6/10 against a category best of 9/10
Record watch-outs
- The number on the confirm button is not the number that settles: the quote is 'valid only for a short period — generally between 5 and 10 seconds', settlement on bank rails happens at the 'Market Price (at time of bank transfer settlement)', and standard SEPA 'May take up to 3-5 Working Days' — so the buyer wears up to five days of market move, and with a spread of 0% to 2.5% over CoinGecko on top of the 0.99% fee the cheap bank rail lands anywhere from roughly 1% to 3.5% all-in (fee article read 2026-09-28) — though that day Transak's coverage page and countries API listed no EU state and its fiat API offered EUR with no SEPA option.
Competitive position
Where Transak 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#3 / 1615.6 of 30 · best 16.9
Friction#1 / 162.7 of 10 · constant here
Trust record#1 / 163.2 of 8 · constant here
Measured data#1 / 1613.8 of 18 · pool best
Where Transak leads
- What does a €200 purchase actually cost me — by card and by bank, all-in?#2 / 16
- Is the number on the widget the number that settles?#1 / 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.
Coinify#2 of 16 · score 75 · 6.0 points behind
Transak leads on
- Is the number on the widget the number that settles?6 vs 5
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
Largest single reason Transak is ahead: measured data (+9.6 display points).Scenario cost: Coinify is +$0.10 against Transak.
MoonPay#3 of 16 · score 70 · 11.0 points behind
Transak leads on
- What does a €200 purchase actually cost me — by card and by bank, all-in?7 vs 6
- Is the number on the widget the number that settles?6 vs 5
- 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 6
Largest single reason Transak is ahead: measured data (+14.3 display points).Scenario cost: MoonPay has no verified pricing for this scenario.
Ramp Network#4 of 16 · score 70 · 11.0 points behind
Transak leads on
- What does a €200 purchase actually cost me — by card and by bank, all-in?7 vs 6
- Is the number on the widget the number that settles?6 vs 5
- 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 on
- Whose money-transmission licence is my money riding — and is that entity my counterparty?8 vs 6
Largest single reason Transak is ahead: measured data (+14.3 display points).Scenario cost: Ramp Network has no verified pricing for this scenario.
Against #2
81 vs 75 · gap 6.0Why Transak ranks above Coinify
DimensionThisCoinifyGap share
Availability · 23% weight12.012.0same
Published criteria · 35% weight15.616.9−3.4, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight13.810.1+9.6, better
Published criterionThisCoinifyPoints
What does a €200 purchase actually cost me — by card and by bank, all-in? · w3478−1.09, worse
Is the number on the widget the number that settles? · w2665+0.83, better
Whose money-transmission licence is my money riding — and is that entity my counterparty? · w2268−1.41, worse
Net8175+6.0
Your scenario
What Transak 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 rate0.99%
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.
$9.90
Under the default inputs · USDCategory median$154 of 16 rows priced · Transak −$5.05 vs median
Cheapest priced$9.90 · TransakTransak is the cheapest priced row for this scenario · availability not applied — set your country to filter
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 #1 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 7 · 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 6 · 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 6 · 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 (Transak 6/10): 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 (Transak 6/10): you get a worse price, later, or nothing.Scored by Is the number on the widget the number that settles? · 26%
- Information failure (Transak 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
- Transak help-centre article "How does Transak calculate prices and fees?" (https://
support .transak .com /en /articles /7845942 -how-does-transak-calculate-prices-and-fees), fetched 28 September 2026, HTTP 200 ("Updated over 3 weeks ago"). On-ramp fees: SEPA Transfer "0.99% of transaction amount, minimum 1 EUR"; Credit / Debit Card (EUR) "3.5% of transaction amount + 1 EUR"; Credit / Debit Card (non-EUR) "5.5% of transaction amount + 1 EUR"; Apple Pay / Google Pay (EUR) "3.5% of transaction amount, minimum 1 EUR", (non-EUR) "5.5% of transaction amount, minimum 1 EUR". Rate: "The quoted rate reflects the rate provided via the publicly available market pricing tool CoinGecko at the time of the transaction, plus a spread of 0% to 2.5%, depending on how volatile the currency is at the time." (on 18 August 2026 the same sentence read "plus a spread of 2.5%"). Third-party fees (gas, validator, liquidity) are separate and "displayed before you confirm your transaction". Worked example (our arithmetic, not a Transak figure): a EUR 200 purchase by SEPA = EUR 1.98 fee plus a spread of 0 to 2.5 percent over CoinGecko, an all-in of roughly 1 to 3.5 percent plus network fees; by EUR card = EUR 8.00 fee plus the same spread, roughly 4 to 6.5 percent. A second, USD-denominated on-ramp fee table on transak.com/fees-pricing-calculation (linked as "Pricing & Fees" from the compliance page) prices cards and bank transfers differently and does not say which jurisdiction it applies to.Transak — official pricing page ↗ · 28 September 2026 - Prices published in
- USDTransak — official pricing page ↗ · 28 September 2026
- Licences held
- Not published
- Compliance level
- partial
- Regulatory note
- IDENTITY — numbered, entity-matched registrations read on the vendor's compliance page (loaded 17 August 2026, hostile-verified): FinCEN MSB 31000300682483 (Transak USA LLC); NMLS ID 2362652; 'FINTRAC Registration #: C100000155' (Transak Canada Limited); AUSTRAC 100865469 (Transak Australia Pty Ltd); 20 named US state money-transmitter licences with numbers (e.g. Alabama 965, Illinois MT.0000519 …)
- Supported chains
- Not published
- Markets served
- us, europe, ca, au, asia, latam, africa
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- Transak's coverage page (https://
transak .com /global-coverage, fetched 28 September 2026) no longer carries the "63+ countries" claim read on 17 August 2026. Its country table now lists only the United Kingdom; Bermuda, Canada, Mexico and Puerto Rico; 45 US states and the District of Columbia; Georgia, Hong Kong, Israel, Kuwait, Malaysia and the Philippines; and Australia, Guam and New Zealand, with no EU/EEA, African or South American country. Transak's public countries API (api.transak.com/api/v2/countries, same day) returns 26 allowed countries, none of them an EU member state, while its fiat-currencies API still lists EUR for EU countries with card, Apple Pay and Google Pay only (no SEPA option), and the help-centre fee article still prices "SEPA Transfer". The ToS routes "Users residing in all other countries" to Transak Limited (UK). Lite KYC is "available in select regions".
Legal entity on file: Transak, placed in 2 products. Only confirmed entities are shown; nothing is inferred from the brand name.
If something goes wrong with Transak: 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 81, #1 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:transak:2026.10.18:81e0d99e7baa
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Editorial review of Transak , on file since April 2026 — the review is separate from the score.