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On and off-ramps

Providers advertise a percentage fee and then convert at a rate away from mid-market. The router below models both, because on a five-figure conversion the FX spread is usually the larger number.

Ramp router

Direction
Funding rail
Cheapest routes for the selected amount and rail
RouteTotal costEffectiveYou receiveSettlement
Circle MintFedwireUSD 0.000.00%$10,000.00Same business day
CoinbaseACHUSD 15.000.15%$9,985.00Instant on internal conversion, 1–3 days on ACH
KrakenSEPAUSD 30.000.30%$9,970.00Minutes on SEPA Instant, same day on wires
BridgeACHUSD 30.000.30%$9,970.00Same day
BitstampSEPAUSD 45.000.45%$9,955.00Same day on SEPA

Cheapest tracked route: Circle Mint at 0.00% all-in. Visit Circle Mint

Indicative pricing from published fee schedules as of the verification date on each provider. Quotes vary by tier, volume and promotion — always confirm before sending.

On and off-ramp providers compared on all-in cost at $10,000
Go
Kraken logoKrakenExchange ramp with cheap SEPA and Fedwire in, USDC or USDT out.exchange0.30%4.25%SEPA, SEPA Instant, FedwireVisit Kraken
Coinbase logoCoinbase1:1 USD to USDC with no conversion fee; you pay on the deposit rail instead.exchange0.15%4.49%ACH, Fedwire, SEPAVisit Coinbase
Bitstamp logoBitstampLong-established EU exchange with predictable SEPA pricing.exchange0.45%4.50%SEPA, SWIFT, Faster PaymentsVisit Bitstamp
MoonPay logoMoonPayWidest coverage of any specialist ramp; convenience priced accordingly.specialist2.00%5.50%Card, Apple Pay, Google PayVisit MoonPay
Transak logoTransakEmbedded ramp used inside wallets and dapps; strong India and LatAm coverage.specialist1.89%4.89%Card, UPI, PIXVisit Transak
Banxa logoBanxaCompliance-heavy ramp partnered with major exchanges and wallets.specialist2.30%4.30%Card, SEPA, PayIDVisit Banxa
Ramp Network logoRamp NetworkEuropean specialist with competitive open-banking pricing.specialist1.59%3.50%Open banking, SEPA, Faster PaymentsVisit Ramp Network
Mercuryo logoMercuryoWallet-embedded ramp with broad European card coverage.specialist2.40%4.85%Card, SEPA, Apple PayVisit Mercuryo
Bridge logoBridgeAPI-first ramp for businesses moving fiat to stablecoins at scale.specialistNo card0.30%—ACH, Fedwire, SEPAVisit Bridge
Circle Mint logoCircle MintMint and redeem USDC 1:1 directly with the issuer.bankNo card0.00%—Fedwire, ACH, SEPAVisit Circle Mint
Bitso logoBitsoLatAm ramp with deep MXN, BRL and ARS liquidity.exchangeNo card1.15%—SPEI, PIX, Local transferVisit Bitso
Binance P2P logoBinance P2PPeer-to-peer market; often the only viable route in restricted currencies.p2pNo card1.50%—Local bank transfer, Mobile moneyVisit Binance P2P

Off-ramp specifics: selling stablecoins back to a bank account

The cost table above covers the fee; this covers the mechanics — which payout method each provider uses, how fast it settles, and which regions it actually serves.

Off-ramp payout method, speed and regions by provider
ProviderPayout methodPayout speedRegions
KrakenSEPA Instant / Fedwire / ACHMinutes on SEPA Instant, same day on wiresUS, EEA, UK, CA, AU, JP
CoinbaseACH / SEPA / Faster PaymentsInstant internal conversion, 1–3 days to bankUS, EEA, UK
BitstampSEPASame dayEEA, UK, US
MoonPayBank transfer / PIX / Faster PaymentsMinutes to 1 day160+ countries
TransakUPI / PIX / SEPA / Faster PaymentsMinutes150+ countries
BanxaPayID / Interac / SEPA / Faster PaymentsMinutes to hoursAPAC, EEA, North America
Ramp NetworkOpen banking / SEPA / Faster PaymentsMinutesEEA, UK, US
MercuryoSEPA / card refundMinutes to 1 dayEEA, UK, MENA
BridgeACH / Fedwire / SEPA / SPEISame dayUS, EEA, LatAm (business)
Circle MintFedwire / SEPASame business dayInstitutional, global
BitsoSPEI / PIXMinutesMexico, Brazil, Argentina, Colombia
Binance P2PLocal bank transfer / mobile moneyMinutes, counterparty dependentGlobal excluding US and UK

Ramps, answered

+ Why does the same provider quote two very different prices?

Because the rail changes the cost far more than the brand does. A card purchase carries interchange of roughly 3–4%; the same provider over open banking or SEPA is usually under 1%. If you only change one thing, change the rail.

+ Where is the hidden cost?

The FX spread. Providers quote a headline percentage fee and then convert at a rate 0.5–1.5% away from mid-market. On a 10,000 EUR conversion that spread is often larger than the visible fee, which is why the estimator here models both.

+ What is the cheapest possible route?

Institutional minting at par with the issuer, which is what Circle Mint offers for USDC at zero fee. Retail users get closest to that by depositing in the ramp's home currency and converting on an exchange with deep books, avoiding both card rails and FX conversion.

Related: dollar accounts · exchanges · crypto cards

Informational only, not financial advice. Terms, fees and availability change frequently — always verify on the provider's own site before committing funds. Some outbound links may be partner links; they never affect ranking or scoring.