Coinify vs Coinbase Onramp Coinify leads by 15 points.
Coinify scores 15 points above Coinbase Onramp, led by purchase cost, named licence, and KYC and speed. Coinify ranks #2 and Coinbase Onramp #6 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Coinify75
vs
CBCoinbase Onramp60
Scores are out of 100; published scores fall within 41–99 · ranks #2 and #6 of 16
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.1
Reproduced gap+14.6
Published gapAfter score rounding and bounds — see the note below7560+15.0
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.Coinbase OnrampScore 60Coinbase's embeddable fiat-to-crypto rail (CDP Onramp): Coinbase-account and US guest-checkout flows riding Coinbase's own first-party licence stack — NYDFS-listed in the US and an ESMA-register-confirmed MiCA CASP (Coinbase Luxembourg S.A.) passported across 30 EEA states — with published 2.5% credit-card / 0.5% ACH fees but an unquantified spread, no EUR bank rail, and no published time-to-coins anywhere on its docs.Strength: Licence identity — 7/10Watch-out: For the category's representative European buyer the bank rail simply does not exist — the only bank transfer is US ACH — so a €200 purchase means a card at 2.5% (credit, non-US) or an unpublished debit rate plus an unquantified spread, with no published commitment anywhere on the docs about how long the coins take to arrive; and with hosted guest checkout being discontinued (stated date June 30, 2026, already passed), non-US users increasingly need a full Coinbase account, which turns the 'rail' into exchange onboarding.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactCoinifyCoinbase Onramp
PricingSnapshotCoinify "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.Coinbase Developer Platform "Onramp FAQ" (https://docs.cdp.coinbase.com/onramp/additional-resources/faq.md), fetched 29 September 2026, HTTP 200, unchanged from 18 August 2026. "Coinbase Onramp is free for developers to use." Spread: "Coinbase Onramp includes a spread in the price when you buy cryptocurrencies." (no percentage, no named benchmark). Coinbase fees: "Fees are calculated at the time you place your order and may be determined by a combination of factors, including the selected payment method, the size of the order, and market conditions such as volatility and liquidity." Card and ACH: "There is a 2.5% fee for credit card transactions, and 0.5% fee for ACH". USDC: "Zero-fee USDC onramping is available to select partners through a subsidy program for eligible partners." Network fees: "We charge a fee based on our estimate of these network fees." No debit-card fee number is published on this page. Worked example (our arithmetic, not a Coinbase figure): a EUR 200 credit-card purchase carries EUR 5.00 in card fee (2.5 percent) plus the unquantified spread and the estimated network fee; there is no EUR bank rail, since the only bank transfer listed is "ACH (US Bank Transfer)".
Asset coverageEditorial——
Region fitSnapshoteurope, asia, latamus, europe, ca
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 Coinbase Onramp's 5/10 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.
CB
Coinbase Onramp
60#6 of 16
Pick it when
Coinbase Onramp leads Coinify on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
Strength
Licence identity — 7/10
Tradeoff
For the category's representative European buyer the bank rail simply does not exist — the only bank transfer is US ACH — so a €200 purchase means a card at 2.5% (credit, non-US) or an unpublished debit rate plus an unquantified spread, with no published commitment anywhere on the docs about how long the coins take to arrive; and with hosted guest checkout being discontinued (stated date June 30, 2026, already passed), non-US users increasingly need a full Coinbase account, which turns the 'rail' into exchange onboarding.
Self-identify in 10 seconds
Which one is actually for you?
CoinifyLeads
Choose Coinify if purchase cost matters most
Purchase cost: 8/10 against 5/10 for Coinbase Onramp (weight 34)
Named licence: 8/10 against 7/10 for Coinbase Onramp (weight 22)
KYC and speed: 7/10 against 5/10 for Coinbase Onramp (weight 18)
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.
CBCoinbase Onramp
Coinbase Onramp leads Coinify on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
Coinbase OnrampScore 60Coinbase's embeddable fiat-to-crypto rail (CDP Onramp): Coinbase-account and US guest-checkout flows riding Coinbase's own first-party licence stack — NYDFS-listed in the US and an ESMA-register-confirmed MiCA CASP (Coinbase Luxembourg S.A.) passported across 30 EEA states — with published 2.5% credit-card / 0.5% ACH fees but an unquantified spread, no EUR bank rail, and no published time-to-coins anywhere on its docs.Strength: Licence identity — 7/10Watch-out: For the category's representative European buyer the bank rail simply does not exist — the only bank transfer is US ACH — so a €200 purchase means a card at 2.5% (credit, non-US) or an unpublished debit rate plus an unquantified spread, with no published commitment anywhere on the docs about how long the coins take to arrive; and with hosted guest checkout being discontinued (stated date June 30, 2026, already passed), non-US users increasingly need a full Coinbase account, which turns the 'rail' into exchange onboarding.
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 3 of 10weight 8.2 of 86Coinify leads
Coinify8/10 out of 10
Coinbase Onramp5/10 out of 10
Quote honesty
weight 6.2 of 86Tie
Coinify5/10 out of 10
Coinbase Onramp5/10 out of 10
Named licence
by 1 of 10weight 5.3 of 86Coinify leads
Coinify8/10 out of 10
Coinbase Onramp7/10 out of 10
KYC and speed
by 2 of 10weight 4.3 of 86Coinify leads
Coinify7/10 out of 10
Coinbase Onramp5/10 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
Coinify12/20Coinbase Onramp12/20
Tie
Published criteriaweight 30 of 86
Coinify16.9/30Coinbase Onramp13.1/30
Coinify leads
Frictionweight 10 of 86 · constant here
Coinify2.7/10Coinbase Onramp2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Coinify3.2/8Coinbase Onramp3.2/8
Tie
Measured dataweight 18 of 86
Coinify10.1/18Coinbase Onramp8.3/18
Coinify leads
Decision rulePublished order
Choose Coinify unless the term Coinbase Onramp leads on is the one you are buying.
Coinbase Onramp leads Coinify on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
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, Coinbase Onramp 7/10)
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, Coinbase Onramp 5/10)
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, Coinbase Onramp 5/10)
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 15 points above Coinbase Onramp, led by purchase cost, named licence, and KYC and speed. Published scores, out of 100: Coinify 75 (rank 2 of 16 onramps), Coinbase Onramp 60 (rank 6 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.
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