The Best Crypto On-Ramp & Off-Ramp Companies

One of the ways the barrier of entry for cryptos is being lowered is by giving the masses power to go back and forth — specifically get crypto and get rid of it for fiat money seamlessly.

For anyone looking to get involved in crypto, the first step you're looking at is simply buying some. On-ramp is being able to buy crypto for your fiat money. Off-ramp acts as just the opposite, turning your crypto into fiat, products, or services.

When it comes to the right companies that can help you, see our findings below :

  1. Banxa

  2. Carbon

  3. CoinDirect

  4. MoonPay

  5. Paxos

  6. PayTrie

  7. Ramp

  8. Simplex

  9. Transak

  10. Wyre



  • Banxa is based in Australia

  • Users can purchase Bitcoin (BTC), Bitcoin SV (BSV), Binance USD (BUSD), Chainlink (LINK), Litecoin (LTC), Tether (USDT), USD Coin (USDC) and Ethereum (ETH)

  • 1-3% transfer fee

  • There are 12 fiat currencies accepted, including GBP, USD, and AUD

  • Some currencies have limits, as do the exchanges that Banxa partners with

  • They are non-custodial, meaning they do not hold digital assets on your behalf, so once you’ve made your purchase or sale, the transaction is over and the assets change hands, arriving quickly in the wallet address you have provided

  • Banxa accepts bank transfers, card payments, and cash transactions in Australian post offices (with low daily limits)

  • Standard KYC is needed, which consists of a selfie photo and an ID scan upload, such as a passport or driving license

  • Banxa is UK friendly



  • Based in the US and Estonia

  • There are 40 cryptocurrencies available for purchase, though American users will only be able to buy Bitcoin, Ethereum, Dai, and USD Coin

  • They accept bank transfers (SEPA), card purchases (Visa and MasterCard), and digital wallet transactions (PayPal, Apple Pay, Google Pay)

  • Carbon claims to accept more than 180 fiat currencies, basically every currency in the world, making them very appealing to emerging markets

  • The fees are $2.00 or 2.99%, whichever is greater

  • Limits starts from $250 and go up to $2,500

  • Carbon is a non-custodial service

  • It is UK friendly

  • KYC is not required by default but is needed when purchasing a large amount (over $150), it consists of selfie and passport upload, as well as some personal information



  • Based in London, UK

  • There are 42 coins available for purchase

  • Transfer can be done by bank transfer, SEPA, PayPal, or Mpesa for users in Kenya

  • Offers efficient cross-border payment services

  • The fees are based on a spread system, so you pay the price shown, which will be several % higher than the actual market price

  • Credit card fees are 2.99%

  • You will be charged €5 if your account is inactive for 3 consecutive calendar months

  • Daily limits up to €200,000 for fully verified users in Tier 1 nations

  • KYC verification is needed, consisting of a selfie, ID, and proof of address

  • Supports 40 cryptocurrencies

  • CoinDirect is custodial and offers a wallet service for your fiat and cryptocurrencies

  • It is UK friendly



  • Based in Malta

  • There are around 80 digital currencies available for purchase on MoonPay, more than most of their competitors

  • MoonPay accepts card transfers via Visa, Masters, Google Pay, Apple Pay, or Samsung Pay

  • Instant bank transfers can also be used as a payment method in the UK and EU, with plans to expand to the ACH network in the US in the near future

  • The fees are $4.99 or 4.5%, whichever is greater

  • KYC Level 1, which is just an email address and a few pieces of personal information, will allow you daily limits of €100 without submitting any documentation, which gives them an advantage over their rivals

  • The monthly account limit for fully verified users is €50,000 EUR (maximum €10,000 per transaction)

  • MoonPay is non-custodial, simply make your transfer and receive your funds to the wallet address provided

  • KYC verification is needed, requiring a passport and driving license, a selfie, and proof of address (for the upper limits)

  • More than 30 fiat currencies are currently accepted

  • It is UK friendly and has acquired a large stake in the BCB group (see the banking section of this directory to understand why that is excellent news)



  • Based in the US

  • Supports Bitcoin (BTC), Ethereum (ETH), Bitcoin Cash (BCH), Litecoin (LTC) and PAX Gold (PAXG)

  • They accept wire payment only

  • They have 0 fees for wire deposits but charge $30 for non-US users

  • No limits for transactions, though full KYC verification is mandatory

  • Paxos is non-custodial

  • It is not UK friendly



  • PayTrie is based in Canada

  • DAI, USDC, BUSD, USDT are available to purchase

  • Transfers can be done by Interac Request or Stablecoins

  • Fees are 0.6% or $5 minimum + gas fees

  • Transactions take about 5 minutes from start to finish

  • CAD$2,500 limit per transaction, CAD$10,000 per day

  • PayTrie is a non-custodial service

  • KYC verification is needed, consisting of ID scan upload or a Credit Check

  • It is not UK friendly, in fact, the whole platform is designed specifically for Canadian users who have very particular regulations to abide by

  • Supports USD through the OTC desk with a minimum of $25k per transaction



  • Based in Poland

  • Users in the US have 7 different coins to purchase, whereas those in the EU and UK can choose from 30 different options

  • Transfers can be done by Faster Payments (in the UK), bank transfers, and Single Euro Payments Area (SEPA) in the EU

  • It is UK friendly

  • Manual transfer fees are 0.99% (up to €2,500) and 0.49% (for everything over €2,500)

  • Ramp’s easy transfer service charges higher fees of 1.99% (up to €2,500) and 1.49% (for everything over €2,500)

  • Credit and debit transactions are charged at 2.9%

  • KYC checks up to level 4 allow for €20,000 deposited per day, up to a total of €75,000 a month, for both card and bank transfers, though this limit can be extended by request to €500,000 per transaction

  • Ramp is a non-custodial service

  • KYC verification is needed, consisting of a bank API, ID uploads, and source of income information

  • Supports USD, EUR and GBP



  • Simplex is based in Israel and has an EU Financial License

  • There are now over 50 cryptocurrencies available to buy from Simplex, as well as 7 that you can sell directly. The first 7, in bold, can be bought and sold:

  • Bitcoin (BTC)

  • Ethereum (ETH)

  • Tron (TRX)

  • Tether (USDT)

  • Paxos (PAX)

  • Aave (AAVE)

  • USD Coin (USDC)

  • Cardano (ADA)

  • Cosmos (ATOM)

  • Travala (AVA)

  • Avalanche (AVAX)

  • Bitcoin Cash (BCH)

  • Binance Coin (BNB)

  • Celsius (CEL)

  • Many more

  • The fees are 5% or $10, whichever is greater

  • Daily purchase limits are $20,000, with the amount capped at $50,000 monthly - this is for your protection, and the limits are based on the account, not the currency

  • Simplex is non-custodial

  • They accept more than 50 fiat currencies, with a number of great payment options, including Visa, MasterCard, SWIFT, SEPA, Apply Pay, and more

  • Simplex does need KYC verification with a government-issued ID, such as a passport or driving license, to approve purchases

  • It has a flexible API and customizable UI for partners who want to use Simplex on their sites

  • Simplex is UK friendly



  • Based in the United Kingdom

  • Bitcoin, Ethereum, ZIL, and a large number of ERC-20 tokens are available to purchase. This means that for most transactions, you are purchasing Ethereum and Transak is converting it to other coins on your behalf

  • They accept bank transfers, SEPA, UPI India, and PayTM India

  • The fees are 1.5% for on-ramping

  • Daily limits are $7,000 (or equivalent, around £5,000) and monthly limits vary between $23,000 (£16,500) and $30,000 (£21,500) depending on the payment method

  • Transak is a non-custodial service

  • KYC verification is needed, and requires an ID, selfie, and address to be submitted

  • They accept more than 50 fiat currencies

  • It is UK friendly, with users recommended to take advantage of the Faster Payments service, which has a £10 minimum and executes transactions instantly



  • Based and registered in the USA

  • They accept 29 fiat currencies including GBP, USD, and AUD

  • Wyre facilitates purchases of more than 28 cryptocurrencies

  • Bitcoin, Ethereum, DAI, and USD Coin are available to purchase

  • Fees of 0.75%, though there are minimum fees for withdrawals which are very high, including £15 for GBP customers

  • The daily limits vary by currency or cryptocurrency, for example, GBP has a daily deposit and withdrawal limit of £125,000. Limit increases can be requested

  • They have non-custodial and custodial wallet options

  • KYC verification is needed to use Wyre’s service, and they have their own KYC/onboarding system to make that process fast and smooth

  • Accepts Automated Clearing House (ACH) transfers for US customers, card transfers, and wire transfers

  • It is UK friendly, though for now it is predominantly aimed at US businesses


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