For how we work out fees for our integration partners check out this article.
When you buy crypto through Ramp, there are several types of fees involved. Here's a breakdown of our fee structure.
Fee structure summary
Fee/cost | Paid to | Refers to | Cost varies based on |
✅ Ramp fee | Ramp | Our margin + cost of payment method | The cost of each payment method |
🔗 Network fee | Blockchain miners/validators | Cost of a single transaction - typically a set fee based on usage (not a %) | Selected network and its current usage (congested periods costs may increase greatly) |
👥 Partner fee (optional) | Integration partner (if applicable) | Partner margin when purchasing crypto within their apps | Only charged by some, but not all, partners |
Fee breakdown for buying crypto
The fees for buying crypto vary based on your chosen payment method and currency. All fees are priced in Euros (€). If you use any other supported currency, the fee will be converted at the time of the transaction.
Method | Minimum fee | Below €2,500 | Above €2,500 |
🏦 Bank transfers (manual) | €2.49 | Up to 1.40% | Up to 0.90% |
🏦 Easy Bank transfers¹ | €2.49 | Up to 2.40% | Up to 1.90% |
💳 Credit or debit cards² (USD, EUR, GBP) | €2.49 | Up to 3.9% | Up to 3.9% |
💳 Credit or debit cards² | €2.49 (local equivalent) | Up to 5.45% | Up to 5.45% |
🍎 Apple Pay² | Same as underlying card | Same as underlying card | Same as underlying card |
🇬 Google Pay² | Same as underlying card | Same as underlying card | Same as underlying card |
📱 Pix | €2.49 | Up to 2.90% | Up to 2.90% |
¹ Easy bank transfers are only available for select banks in Europe.
² Currently, we only support cards issued by either Visa or Mastercard.
How it works? Here’s an example:
When using a payment method with tiered fees (rates that vary based on transaction volume), the total fee is a combination of charges applied progressively across each tier.
For instance, if you make a manual bank transfer purchase of €5,000:
A fee of 1.99% is applied over the first €2,500 (€49.75) plus 1.49% over the remaining €2,500 (€37.25) resulting in a total fee of €87 (€49,75 + €37,25 = €87)
🌐 Network fee
The network fee is determined by miners/validators on the blockchain in question. It reflects the current cost per transaction based on the network's usage level. This fee is entirely paid to miners/validators to cover transaction costs, and we do not influence its amount.
🤝 Partner fee
Some integration partners may impose a small fee, which represents a percentage of the transaction's cost, in addition to Ramp's fees. This fee is set by and paid entirely to the integration partner when utilizing their platforms. It is important to note that this fee does not apply when buying directly through Ramp
🏦 Possible additional charges
Depending on your country and the fiat currency involved, your bank may apply extra charges for currency conversion or international transactions. This fee is not determined or collected by us; it is solely managed by your bank. If you have any questions or concerns about potential fees, we recommend contacting your bank directly for more information.
🏷️ Cryptoasset pricing at Ramp
It’s crucial to remember that the amount of crypto you receive is based on the exchange rate at the time your payment reaches our account (the moment we actually receive the funds you sent), not when you place the order.
For more details on how pricing works, see when crypto asset rates are determined for purchases.
Check this article if you're looking for details on fees for selling crypto.