# The cheapest way to turn fiat into crypto.

On-ramps charge 4-5% on card rails and 1-2% on open-banking. Pick your country, payment method, and amount — we rank every reviewed provider by the actual fee you'd pay.

## Cheapest provider

**Ramp Network**

$14.50 fee on $500

You'd receive  **$485.50** in crypto, after the rail fee

Effective rate **2.90%**

## Fee Comparison Table

| # | Provider | Rate | Fee on $500 | You receive |  |
| --- | --- | --- | --- | --- | --- |
| 1 | Ramp NetworkBestdirect-to-wallet | 2.90% | $14.50 | $485.50 | [Review](/content/on-ramps/ramp-review/index.html) |
| 2 | Sardine | 3.50% | $17.50 | $482.50 | [Review](/content/on-ramps/sardine-review/index.html) |
| 3 | Transakdirect-to-wallet | 3.90% | $19.50 | $480.50 | [Review](/content/on-ramps/transak-review/index.html) |
| 4 | Banxadirect-to-wallet | 3.90% | $19.50 | $480.50 | [Review](/content/on-ramps/banxa-review/index.html) |
| 5 | Mercuryo | 4.00% | $20.00 | $480.00 | [Review](/content/on-ramps/mercuryo-review/index.html) |
| 6 | Onmeta | 4.00% | $20.00 | $480.00 | [Review](/content/on-ramps/onmeta-review/index.html) |
| 7 | MoonPaydirect-to-wallet | 4.50% | $22.50 | $477.50 | [Review](/content/on-ramps/moonpay-review/index.html) |
| — | Wise (crypto via partners) | n/a | Not supported | — | [Review](/content/on-ramps/wise-crypto-review/index.html) |

Lower is cheaper. Fee snapshots verified 2026-05 against each provider's published rate at the $500 ticket. Real fees vary ±0.3% with FX spreads and time-of-day liquidity.

## Methodology

Fee numbers reflect each provider's published rate at the $500 ticket for the chosen payment method. Real fees vary ±0.3% depending on FX spread, time-of-day liquidity, and any partner discount applied through embedded integrations. We snapshot each provider's fee page on the date stamped above; if a method isn't supported in your country, the row shows "Not supported." Direct-to-wallet on-ramps deliver crypto straight to a self-custody address — no exchange account needed.