Coinify vs Ramp Network Coinify leads by 5 points.
Coinify scores 5 points above Ramp Network, led by purchase cost and KYC and speed. Coinify ranks #2 and Ramp Network #4 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Coinify75
vs
RARamp Network70
Scores are out of 100; published scores fall within 41–99 · ranks #2 and #4 of 16
Criteria roundingThe criteria block is rounded to whole points before it is spread+0.1
Reproduced gap+4.9
Published gapAfter score rounding and bounds — see the note below7570+5.0
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.Ramp NetworkScore 70Developer-first embedded onramp with a fully published per-rail fee-cap schedule (card up to 3.9% USD/EUR/GBP, manual bank up to 1.40%, min up to €2.49) and a numbered three-entity licence stack (FCA 928783, FinCEN MSB 31000287566749, CBI MiCA CASP) — but the rate is struck when your payment reaches its account, so the confirm-screen number is explicitly not guaranteed.Strength: Licence identity — 8/10Watch-out: The confirm-screen number is explicitly not the settled number: Ramp's own rate article says 'the amount you receive may differ from the initial quote' because the rate is struck 'at the moment your payment reaches our account', and its terms make bank-transfer repricing contractual — with the markup hidden inside an unquantified 'floating exchange rate' rather than published as a spread over a named benchmark.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactCoinifyRamp Network
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.Ramp Network help article "What fees are charged when buying crypto?" (https://support.rampnetwork.com/en/articles/10415-what-fees-does-ramp-network-charge-for-buying-crypto, dated "June 25, 2025"), fetched 29 September 2026, HTTP 200, unchanged from 18 August 2026. Buy-side fees (minimum fee, fee percentage): Bank transfers (manual) "Up to €2.49", "Up to 1.40%"; Easy Bank transfers "Up to €2.49", "Up to 2.40%"; Credit or debit cards (USD, EUR, GBP) "Up to €2.49", "Up to 3.9%"; Credit or debit cards (other currencies) "Up to €2.49" (local equivalent), "Up to 5.45%"; Pix "Up to €2.49", "Up to 2.90%"; Apple Pay and Google Pay "Same as the underlying card". The page says "The fees listed here apply to transactions on our own platform" and that partners may add their own fee. Network fee: "The network fee is determined by miners/validators on the blockchain in question." Rate: "the amount of crypto you receive is based on the exchange rate at the time your payment reaches our account"; no spread percentage and no named benchmark. Worked example (our arithmetic, not a Ramp figure): a EUR 200 purchase by manual bank transfer carries a Ramp fee of at most EUR 2.80 (1.40 percent cap), by EUR card at most EUR 7.80 (3.9 percent cap); the minimum fee does not bind at EUR 200; network fee and any partner fee are extra.
Asset coverageEditorial——
Region fitSnapshoteurope, asia, latamglobal, us, europe
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 Ramp Network'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.
RA
Ramp Network
70#4 of 16
Pick it when
Ramp Network leads on no published criterion; its edge is availability (14 vs 12 points). Pick it if that term is what you are buying.
Strength
Licence identity — 8/10
Tradeoff
The confirm-screen number is explicitly not the settled number: Ramp's own rate article says 'the amount you receive may differ from the initial quote' because the rate is struck 'at the moment your payment reaches our account', and its terms make bank-transfer repricing contractual — with the markup hidden inside an unquantified 'floating exchange rate' rather than published as a spread over a named benchmark.
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 Ramp Network (weight 34)
KYC and speed: 7/10 against 6/10 for Ramp Network (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.
RARamp Network
Ramp Network 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.
Ramp NetworkScore 70Developer-first embedded onramp with a fully published per-rail fee-cap schedule (card up to 3.9% USD/EUR/GBP, manual bank up to 1.40%, min up to €2.49) and a numbered three-entity licence stack (FCA 928783, FinCEN MSB 31000287566749, CBI MiCA CASP) — but the rate is struck when your payment reaches its account, so the confirm-screen number is explicitly not guaranteed.Strength: Licence identity — 8/10Watch-out: The confirm-screen number is explicitly not the settled number: Ramp's own rate article says 'the amount you receive may differ from the initial quote' because the rate is struck 'at the moment your payment reaches our account', and its terms make bank-transfer repricing contractual — with the markup hidden inside an unquantified 'floating exchange rate' rather than published as a spread over a named benchmark.
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
Ramp Network6/10 out of 10
Quote honesty
weight 6.2 of 86Tie
Coinify5/10 out of 10
Ramp Network5/10 out of 10
Named licence
weight 5.3 of 86Tie
Coinify8/10 out of 10
Ramp Network8/10 out of 10
KYC and speed
by 1 of 10weight 4.3 of 86Coinify leads
Coinify7/10 out of 10
Ramp Network6/10 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
Coinify12/20Ramp Network14/20
Ramp Network leads
Published criteriaweight 30 of 86
Coinify16.9/30Ramp Network14.8/30
Coinify leads
Frictionweight 10 of 86 · constant here
Coinify2.7/10Ramp Network2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Coinify3.2/8Ramp Network3.2/8
Tie
Measured dataweight 18 of 86
Coinify10.1/18Ramp Network8.3/18
Coinify leads
Decision rulePublished order
Choose Coinify unless the term Ramp Network leads on is the one you are buying.
Ramp Network leads on no published criterion; its edge is availability (14 vs 12 points). Pick it if that term is what you are buying.
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, Ramp Network 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, Ramp Network 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, Ramp Network 6/10)
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 5 points above Ramp Network, led by purchase cost and KYC and speed. Published scores, out of 100: Coinify 75 (rank 2 of 16 onramps), Ramp Network 70 (rank 4 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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