Best on-ramps in Canada
On-ramps are a critical exit valve for Canadian retail crypto users who hit the CSA's altcoin annual caps on their exchange of choice — funnel CAD through an on-ramp directly into a self-custody wallet and you escape the cap entirely (at the cost of higher fees). Interac e-Transfer support is the make-or-break feature. MoonPay added it 2023; Ramp added it 2024. Most other providers still require card rails at 3.5%+.
Top picks in Canada
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1. MoonPay (Best overall)
Best overall3.8/5Global review scoreFiat-to-crypto on-ramp integrated into 500+ apps and wallets
Native Interac e-Transfer (lowest CAD fee on the market) + direct-to-wallet flow.
2. Ramp Network (Best for low fees)
Best for low fees4.1/5Global review scoreCompliance-first on-ramp with open-banking pricing
Open-banking on-ramp via Plaid Canada; cheapest CAD bank-transfer option.
Canada eligibility & rails
- ID requirement
- Government-issued photo ID + selfie required above $1,000 CAD
- Interac
- Native Interac e-Transfer rails available on MoonPay; settles in hours.
- Regulator
- FINTRAC-registered MSB; reporting obligations on $10k+ transactions.
Legal & tax disclaimer · Canada
Canadian on-ramps must register with FINTRAC. KYC at $1,000 CAD lifetime is standard. Skrumble is not a Canadian-registered MSB. Read our full disclaimer.