Transak vs Unlimit Crypto Transak leads by 36 points.
Transak scores 36 points above Unlimit Crypto, led by purchase cost, quote honesty, and KYC and speed. Transak ranks #1 and Unlimit Crypto #11 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Transak81
vs
UNUnlimit Crypto45
Scores are out of 100; published scores fall within 41–99 · ranks #1 and #11 of 16
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.2
Reproduced gap+36.4
Published gapAfter score rounding and bounds — see the note below8145+36.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
TransakScore 81The most disclosed onramp in the pool — full per-rail fee schedule with minimum floors plus a separately stated spread over CoinGecko of 0% to 2.5% depending on volatility (a flat 2.5% in August; read 2026-09-28) — whose own help centre admits the settled amount floats to the settlement-time rate on bank rails, and whose otherwise numbered five-jurisdiction licence stack has a conspicuous MiCA-shaped hole.Strength: All in purchase cost — 7/10Watch-out: 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.Unlimit CryptoScore 45Cyprus CySEC-authorised CASP onramp/offramp widget (Unlimit Crypto Ltd, 018/24, ΗΕ437355) whose ToS counterparty exactly matches the register — and whose price is unknowable in advance: no fee schedule exists anywhere, quotes live behind an authenticated API with no lock window, and the terms declare all orders final and non-refundable.Strength: Licence identity — 7/10Watch-out: You cannot know the price before you start and you have no refund right after you pay: no fee schedule exists anywhere on Unlimit's surfaces, the terms let the settled amount 'be different from the amounts presented to User', all orders are 'final and cannot be refunded/returned', Unlimit may cancel 'without advance notice... and without providing reason' — and your entire written recourse is a contact form and a complaint answered within 14 days under Cyprus law.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactTransakUnlimit Crypto
PricingSnapshotTransak 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.No published fee schedule. Unlimit Crypto User Terms (PDF at https://cdn.unlimit.com/site-crypto/wp-content/uploads/2025/06/27064344/2025-06-Unl-Crypto_User-TC_06.2025.pdf, "Last updated: 27.06.2025"), fetched 29 September 2026, HTTP 200, name fee types without a number: "Processing Fee is due for payment by User in Fiat." and "Any other fees that are applicable and effective at the time of User Order.", set "at the sole discretion of Unlimit Crypto" (section 5.1); "User Fees shall be presented to User prior to processing of User Order." (section 5.2). Numeric fees exist only per quote through the authenticated Get-a-quote API (fields processingFee, networkFee, markupFee on docs.gatefi.com). The former brand site www.crypto.unlimit.com, including /pricing/, now redirects (HTTP 301) to stable.com, an Unlimit-group stablecoin app whose User Terms (v2, 24.06.2026) also carry no onramp fee number. A EUR 200 all-in cannot be reconstructed from any published page.
Asset coverageEditorial——
Region fitSnapshotus, europe, caeurope, latam, africa
From the published criteria
Which should you pick?
Transak
81#1 of 16
Leads
Pick it when
Pick Transak if purchase cost matters most — it scores 7/10 to Unlimit Crypto's 1/10 there (weight 34).
Strength
All in purchase cost — 7/10
Tradeoff
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.
UN
Unlimit Crypto
45#11 of 16
Pick it when
Pick Unlimit Crypto if named licence matters most — it scores 7/10 to Transak's 6/10 there (weight 22).
Strength
Licence identity — 7/10
Tradeoff
You cannot know the price before you start and you have no refund right after you pay: no fee schedule exists anywhere on Unlimit's surfaces, the terms let the settled amount 'be different from the amounts presented to User', all orders are 'final and cannot be refunded/returned', Unlimit may cancel 'without advance notice... and without providing reason' — and your entire written recourse is a contact form and a complaint answered within 14 days under Cyprus law.
Self-identify in 10 seconds
Which one is actually for you?
TransakLeads
Choose Transak if purchase cost matters most
Purchase cost: 7/10 against 1/10 for Unlimit Crypto (weight 34)
Quote honesty: 6/10 against 2/10 for Unlimit Crypto (weight 26)
KYC and speed: 7/10 against 3/10 for Unlimit Crypto (weight 18)
TransakScore 81The most disclosed onramp in the pool — full per-rail fee schedule with minimum floors plus a separately stated spread over CoinGecko of 0% to 2.5% depending on volatility (a flat 2.5% in August; read 2026-09-28) — whose own help centre admits the settled amount floats to the settlement-time rate on bank rails, and whose otherwise numbered five-jurisdiction licence stack has a conspicuous MiCA-shaped hole.Strength: All in purchase cost — 7/10Watch-out: 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.
UNUnlimit Crypto
Choose Unlimit Crypto if named licence matters most
Named licence: 7/10 against 6/10 for Transak (weight 22)
Unlimit CryptoScore 45Cyprus CySEC-authorised CASP onramp/offramp widget (Unlimit Crypto Ltd, 018/24, ΗΕ437355) whose ToS counterparty exactly matches the register — and whose price is unknowable in advance: no fee schedule exists anywhere, quotes live behind an authenticated API with no lock window, and the terms declare all orders final and non-refundable.Strength: Licence identity — 7/10Watch-out: You cannot know the price before you start and you have no refund right after you pay: no fee schedule exists anywhere on Unlimit's surfaces, the terms let the settled amount 'be different from the amounts presented to User', all orders are 'final and cannot be refunded/returned', Unlimit may cancel 'without advance notice... and without providing reason' — and your entire written recourse is a contact form and a complaint answered within 14 days under Cyprus law.
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 6 of 10weight 8.2 of 86Transak leads
Transak7/10 out of 10
Unlimit Crypto1/10 out of 10
Quote honesty
by 4 of 10weight 6.2 of 86Transak leads
Transak6/10 out of 10
Unlimit Crypto2/10 out of 10
Named licence
by 1 of 10weight 5.3 of 86Unlimit Crypto leads
Transak6/10 out of 10
Unlimit Crypto7/10 out of 10
KYC and speed
by 4 of 10weight 4.3 of 86Transak leads
Transak7/10 out of 10
Unlimit Crypto3/10 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
Transak12/20Unlimit Crypto12/20
Tie
Published criteriaweight 30 of 86
Transak15.6/30Unlimit Crypto7.1/30
Transak leads
Frictionweight 10 of 86 · constant here
Transak2.7/10Unlimit Crypto2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Transak3.2/8Unlimit Crypto3.2/8
Tie
Measured dataweight 18 of 86
Transak13.8/18Unlimit Crypto8.3/18
Transak leads
Decision rulePublished order
Choose Transak unless the term Unlimit Crypto leads on is the one you are buying.
Pick Unlimit Crypto if named licence matters most — it scores 7/10 to Transak's 6/10 there (weight 22).
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% (Transak 6/10, Unlimit Crypto 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% (Transak 6/10, Unlimit Crypto 2/10)
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% (Transak 7/10, Unlimit Crypto 3/10)
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
Transak scores 36 points above Unlimit Crypto, led by purchase cost, quote honesty, and KYC and speed. Published scores, out of 100: Transak 81 (rank 1 of 16 onramps), Unlimit Crypto 45 (rank 11 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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