What's the cheapest way to turn fiat into crypto?

It shows the fee each on-ramp publishes for buying crypto with the amount, country and payment method you pick, ranked from the lowest fee. An on-ramp is the payment company behind the "Buy" button in a wallet or app; this tool compares MoonPay, Transak, Ramp, Banxa and Mercuryo on their own fee pages, not on quotes we were given.

For each provider the fee is the published percentage plus any fixed fee, raised to the minimum fee when the result falls below it. The spread built into the exchange rate is shown as text next to the fee, because only some providers put a number on it. Network fees and the extra fees some wallet apps add are not included.

"Max rate" is the provider's published cap: MoonPay, Ramp and Mercuryo publish "up to" rates, so a live quote can be lower. Transak's and Banxa's rates are exact, with no "up to", though Transak says a minimum fee may apply without publishing the amount. "Left to convert" is your amount minus the fee, before the spread and the network fee.

Read the spread column before picking a winner. Banxa's processing fee is the lowest, but Banxa says its spread is typically 2% to 4%, which on $500 is another $10 to $20. Ramp says its fee covers its margin and payment costs, and it publishes no separate spread.

Minimum and fixed fees. On a €50 card purchase in the EU, MoonPay's minimum fee of €3.99 works out at about 8% (about 9% through a partner app, where its minimum can reach €4.50), and Ramp's minimum of up to €2.49 at about 5%, well above their percentage caps. By bank transfer the same minimums apply. If you can, buy less often in larger amounts, or check whether the app you use adds its own partner fee on top.

• MoonPay: its EU pricing disclosure (cards up to 4.5%, bank transfers up to 1%, minimum €3.99) and its US disclosure, which gives one cap of up to 4.5% for every method; its UK and Canadian pages carry the US text.
• Transak: its fee page (card and Apple Pay 3.99% + $1, Google Pay 3.99%, bank transfer 2% + $1). We don't model it for the EU: it wasn't in ESMA's register of authorised crypto firms when we checked on 16 October 2026, and its terms route EU residents to its UK company.
• Ramp: its help article dated 25 June 2025 (cards up to 3.9% in USD, EUR or GBP and up to 5.45% in other currencies, manual bank transfer up to 1.40%, minimum up to €2.49). Ramp lists no ACH option in the US.
• Banxa: its pricing article dated 15 May 2025 (1.99% on card and Apple Pay, 0% on other methods, spread typically 2% to 4%).
• Mercuryo, which we have not reviewed yet: its fee article dated 15 July 2026 (cards up to 5.5% with a €1 minimum, bank transfers up to 3% with a €2 minimum). In the EU its crypto service is provided by Criptan Trade, S.L.
• Sardine and Onmeta publish no fees, so we leave them out rather than guess.