Coinify scores 7 points above Banxa, led by purchase cost. Coinify ranks #2 and Banxa #5 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Coinify75
vs
BABanxa68
Scores are out of 100; published scores fall within 41–99 · ranks #2 and #5 of 16
Published gapAfter score rounding and bounds — see the note below7568+7.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
CoinifyScore 75The pool's fee-schedule anchor - bank 1%, EEA card 3.5%, non-EEA card 5%, 0.50% non-USD FX, network fee separate, all on its own domain - and since 2026-05-29 a register-verified Danish MiCA CASP (FT-ID 10907) whose own legal page has not yet caught up with its authorisation.Strength: All in purchase cost — 8/10Watch-out: 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.BanxaScore 68The onramp that publishes its worst case: 1.99% card fee plus a 2-4% typical spread with contractual maxima, riding its own numbered licences in AU, CA, NL (MiCA), UK and 30+ US states - now private under OSL Group since 2026-01-02.Strength: Licence identity — 8/10Watch-out: The honest disclosure cuts both ways: the 'typical 2-4%' Banxa spread carries a contractual maximum of 15% (plus 10% partner-spread max), and the 'locked-in' Final Price is guaranteed only if you send proof of payment 'immediately' - on a 1-3-business-day SEPA/ACH rail the number on the confirm button can lawfully move before settlement.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactCoinifyBanxa
Purchase spreadSnapshotCoinify "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.Banxa help article "How does Banxa set the price of cryptocurrency?" (https://support.banxa.com/en/support/solutions/articles/44002465167-how-does-banxa-set-the-price-of-cryptocurrency-, "Modified on Thu, 15 May, 2025"), fetched 28 September 2026, HTTP 200. Processing fee: BUY "Cards & Apple Pay" "1.99%", "Other payment methods" "0%". Spread table (buy): Banxa Spread "Typical: 2-4%" "Min: 0%" "Max: 15%"; Partner Spread (Optional) "Typical: 0-1%" "Max: 10%"; Recovery Spread "Typical: €0-1" "Max: €5". Network fee is a separate buy-side line item ("Market price"). Banxa's own worked example: "if you purchase €1,000 of Litecoin using SEPA" with Banxa spread "3%", Affiliate Fee "1%" and Recovery Fee "$1" ("0.1%") gives "Total Spread" "4.1%". The EU entity's identical article (44002625876, "How does EU Internet Ventures B.V (EUIV) set the price of cryptocurrency?") carries the same table. Worked example (our arithmetic, not a Banxa figure): a EUR 200 SEPA purchase at the typical spreads costs roughly 2 to 5 percent plus network fee; by card add the 1.99 percent processing fee, roughly 4 to 7 percent. The spread benchmark ("reputable, independent third-party pricing providers") is not named.
Asset coverageEditorial——
Region fitSnapshoteurope, asia, latamglobal
From the published criteria
Which should you pick?
Coinify
75#2 of 16
Leads
Pick it when
Pick Coinify if purchase cost matters most — it scores 8/10 to Banxa's 6/10 there (weight 34).
Strength
All in purchase cost — 8/10
Tradeoff
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.
BA
Banxa
68#5 of 16
Pick it when
Pick Banxa if quote honesty matters most — it scores 6/10 to Coinify's 5/10 there (weight 26).
Strength
Licence identity — 8/10
Tradeoff
The honest disclosure cuts both ways: the 'typical 2-4%' Banxa spread carries a contractual maximum of 15% (plus 10% partner-spread max), and the 'locked-in' Final Price is guaranteed only if you send proof of payment 'immediately' - on a 1-3-business-day SEPA/ACH rail the number on the confirm button can lawfully move before settlement.
Self-identify in 10 seconds
Which one is actually for you?
CoinifyLeads
Choose Coinify if purchase cost matters most
Purchase cost: 8/10 against 6/10 for Banxa (weight 34)
CoinifyScore 75The pool's fee-schedule anchor - bank 1%, EEA card 3.5%, non-EEA card 5%, 0.50% non-USD FX, network fee separate, all on its own domain - and since 2026-05-29 a register-verified Danish MiCA CASP (FT-ID 10907) whose own legal page has not yet caught up with its authorisation.Strength: All in purchase cost — 8/10Watch-out: 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.
BABanxa
Choose Banxa if quote honesty matters most
Quote honesty: 6/10 against 5/10 for Coinify (weight 26)
BanxaScore 68The onramp that publishes its worst case: 1.99% card fee plus a 2-4% typical spread with contractual maxima, riding its own numbered licences in AU, CA, NL (MiCA), UK and 30+ US states - now private under OSL Group since 2026-01-02.Strength: Licence identity — 8/10Watch-out: The honest disclosure cuts both ways: the 'typical 2-4%' Banxa spread carries a contractual maximum of 15% (plus 10% partner-spread max), and the 'locked-in' Final Price is guaranteed only if you send proof of payment 'immediately' - on a 1-3-business-day SEPA/ACH rail the number on the confirm button can lawfully move before settlement.
Criterion by criterion
Scorecard
Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology
Purchase cost
by 2 of 10weight 8.2 of 86Coinify leads
Coinify8/10 out of 10
Banxa6/10 out of 10
Quote honesty
by 1 of 10weight 6.2 of 86Banxa leads
Coinify5/10 out of 10
Banxa6/10 out of 10
Named licence
weight 5.3 of 86Tie
Coinify8/10 out of 10
Banxa8/10 out of 10
KYC and speed
weight 4.3 of 86Tie
Coinify7/10 out of 10
Banxa7/10 out of 10
Score dimensions
weights sum to 86
The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.
Availabilityweight 20 of 86
Coinify12/20Banxa14/20
Banxa leads
Published criteriaweight 30 of 86
Coinify16.9/30Banxa15.9/30
Coinify leads
Frictionweight 10 of 86 · constant here
Coinify2.7/10Banxa2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Coinify3.2/8Banxa3.2/8
Tie
Measured dataweight 18 of 86
Coinify10.1/18Banxa6.5/18
Coinify leads
Decision rulePublished order
Choose Coinify unless the term Banxa leads on is the one you are buying.
Pick Banxa if quote honesty matters most — it scores 6/10 to Coinify's 5/10 there (weight 26).
The published order weighs every criterion the same way for everyone. To weigh them your way, run .
From the published order
Next best action
If this isn't your case
Other matchups worth comparing
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% (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% (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% (Coinify 7/10, 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%).
Questions
Frequently asked questions
Coinify scores 7 points above Banxa, led by purchase cost. Published scores, out of 100: Coinify 75 (rank 2 of 16 onramps), Banxa 68 (rank 5 of 16).
Reviewed means both products compared here 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.
Answer a few quick questions and get one clear recommendation based on how you actually plan to use crypto — with rationale, tradeoffs, and a path to monitor the decision.
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