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12 Best Crypto Off-Ramp Platforms in 2024

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Quick Answer: A list of the best crypto off-ramp platforms for 2024:

Key Takeaways

  • Coinbase
  • Kraken
  • Bitstamp
  • Gemini
  • Coinmama
  • Binance
  • eToro
  • MoonPay
  • Ramp
  • Bitpanda
  • Mercuryo

Crypto enthusiasts should always strive to find the best crypto off-ramp platforms. These platforms enable seamless conversion of crypto to fiat currency. They are a bridge between crypto assets and traditional financial systems.

This article will explore the top 10 crypto off-ramps. It will focus on their fees, security, and ease of use. This will guide your decision-making in the crypto space.

A crypto off-ramp platform is a tool in the digital currency realm. Users need them to convert cryptocurrency into traditional fiat currencies, like GBP or USD.

Usually, they support various cryptocurrencies and offer various methods to transfer the converted fiat to users’ bank accounts.

The right crypto off-ramp platform combines ease of use, security, and efficiency. It is a cornerstone for seasoned traders and newcomers in the crypto industry.

📚Related: Crypto On-Ramps and Off-Ramps Guide

Why do crypto off-ramps matter?

Crypto off-ramp platforms are crucial, especially when you want to turn your crypto into cash you can use. 

Think of them like a door that changes crypto into money in your bank account. This is helpful when you need to buy stuff, pay bills, or decide to sell your crypto.

📚Related: How to Pay with Bitcoin

But what about getting crypto in the first place? That’s where crypto on-ramp platforms come in. They’re like the opposite of off-ramps. 

Crypto on-ramps lets you buy crypto using your regular money from your bank account. They’re the first step in your crypto journey.

Both crypto on-ramps and off-ramps are super important. The off-ramps let you change your crypto into money when you need it. And the on-ramps are there when you want to start or increase your crypto journey. 

They work together to make handling your digital and regular money easy and safe, like a smooth road from the crypto world to your bank account.

📚Related: How to Withdraw Crypto to Bank Account

Looking for a simpler way to cash out your crypto? Discover swissmoney

Swissmoney financial solution provider logo

swissmoney is a versatile platform which offers more than off-ramp services. With swissmoney, you get multiple wallets, payment cards, and IBAN accounts, letting you make many different transactions – all in one place

With swissmoney, you get:

  • Dedicated IBAN accounts for smooth transactions
  • Crypto spending by card without hard spending limits.
  • Fast and secure transactions in the most popular crypto and fiat currencies.
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12 best crypto off-ramp platforms

Navigating the cryptocurrency market can be challenging, especially when converting digital assets to fiat currency.

Many platforms are available for buying and selling crypto, and choosing the right off-ramp can be crucial.

Here, we delve into the top 12 crypto off-ramps. We’ll cover their features, pros and cons, and other aspects.

#1 Coinbase

Coinbase logo

Coinbase is one of the most popular crypto off-ramp platforms globally. It offers a comprehensive service, appealing to beginners and experienced crypto enthusiasts.

Key features:

  • Extensive cryptocurrency support
  • Insurance protection
  • User-friendly mobile app
Pros Cons
User-friendly off-ramp interface, insured wallets. Higher fees compared to some competitors.

Pricing and fees: A 0.50% spread fee. ACH transfers are free, while bank account or USD Wallet use incurs a 1.49% fee, and credit or debit card use incurs a 3.99% fee.

Transfer time: Typically within 1-2 business days for bank transfers.

Security: Top-tier security with FDIC insurance for USD balances.

Supported cryptocurrencies: 240+.

📚Related: How to Withdraw from Coinbase

#2 Kraken

Kraken logo

Kraken has a big emphasis on security and regulatory adherence. It caters to users focusing on these aspects in their off-ramp crypto transactions.

Key features:

  • High-security standards
  • A comprehensive range of cryptocurrencies
  • Advanced off-ramp trading tools
Pros Cons
Strong focus on security. It also supports diverse cryptocurrencies. Not as user-friendly for beginners.

Pricing and fees: Competitive off-ramp fees from 0.1% to 0.26%, depending on the trading volume and whether the user is a maker or a taker. Free transfers.

Transfer time: Bank transfers usually take 1-5 business days.

Security: Two-factor authentication and rigorous security protocols.

Supported cryptocurrencies: 240+.

#3 Bitstamp


Bitstamp offers advanced off-ramp trading tools and a user-friendly experience. This appeals to a wide range of crypto users.

Key features:

  • User-friendly interface
  • Strong liquidity
  • Robust security measures
Pros Cons
Easy-to-use platform with robust regulatory compliance. Limited advanced features for professional traders.

Pricing and fees: Transparent off-ramp fee structure based on volume and the payment method. Generally, it has a 0.00-0.06% maker fee and 0.006-0.08% taker fee. ACH transactions are free, and SEPA incurs 3.00 EUR per transaction.

Transfer time: Vary, typically 1-3 business days for bank withdrawals.

Security: Strong security measures, including cold storage of assets.

Supported cryptocurrencies: 80+.

📚Related: How to Withdraw Crypto from Bitstamp

#4 Gemini


Gemini is an off-ramp platform that combines regulatory compliance with high security. This makes Gemini a trustworthy choice for serious investors.

Key features:

  • High-level security
  • Regulatory compliance
  • Elegant user interface
Pros Cons
Strong focus on security, regulated in the US. Cons: Higher fees than some competitors.

Pricing and fees: Clear fee structure, though higher than some peers. 0.50-0.10% maker fee and 0.50-0.10% taker fee. There’s a 0.55% withdrawal fee for all SGD withdrawals using FAST transfer.

Transfer time: Typically takes 1-3 business days.

Security: Top-notch security with insured custodian services.

Supported cryptocurrencies: 80+.

#5 Coinmama


Coinmama is a simple off-ramp platform that is easy to use. It is ideal for those looking for a no-fuss crypto trading experience.

Key features:

  • Simple and quick off-ramp transactions
  • Supports a variety of payment methods
  • User-friendly platform
Pros Cons
Fast and straightforward transactions. Higher fees and limited crypto selection.

Pricing and fees: Coinmama charges a commission fee of 0.99% – 3.9%, depending on your loyalty level. The fee for bank transfers is 1%. 

Transfer time: Usually, off-ramps take one day.

Security: Standard security protocols.

Supported cryptocurrencies: 100+.

#6 Binance

Binance logo

Binance is well-known for offering many cryptocurrencies. It also has off-ramp competitive fees. It stands out as a versatile off-ramp platform for diverse trading needs.

Key features:

  • Extensive cryptocurrency options
  • Competitive fees
  • Advanced trading features
Pros Cons
Low fees, a wide range of cryptocurrencies. Can be complex for beginners and has reputation issues.

Pricing and fees: 0.009-0.10% maker fee and 0.018-0.10% taker fee. Low fees for regular users and even lower for VIP users. Binance offers a 25% discount for paying fees with Binance Coin (BNB). WIthdrawal fee depends on the currency.

Transfer time: Varies based on the chosen withdrawal method.

Security: Robust security protocols are in place.

Supported cryptocurrencies: 350+.

📚Related: From Crypto to Cash: How to Withdraw from Binance

#7 eToro


 eToro stands out as a crypto on-ramp and off-ramp platform. It has a unique social trading feature, allowing users to follow and copy the trades of experienced investors.

Key features:

  • Social trading features
  • Many financial instruments
  • User-friendly interface
Pros Cons
This off-ramps platform has a unique social trading aspect. Additionally, it offers diverse trading options. Withdrawal fees and a less extensive crypto selection.

Pricing and fees: Varied off-ramps fee structure with some withdrawal and inactivity fees. 1% for buying or selling crypto.

Transfer time: Generally takes 1-5 business days.

Security: Strong security protocols with two-factor authentication.

Supported cryptocurrencies: 83+

 #8 MoonPay


MoonPay has a straightforward transaction process that supports many payment methods. It is ideal for quick and easy crypto transactions.

Key features:

  • Supports many payment methods
  • Simple user interface
  • Rapid transactions
Pros Cons
It is easy to use and supports many fiat and cryptocurrencies. Higher fees for some payment methods.

Pricing and fees: Fees vary based on payment method and transaction type: 4.5% for cards and 1% for bank transfers.

Transfer time: Quick processing, typically within a day.

Security: Standard security measures, including data encryption, ISO 27001 certified.

Supported cryptocurrencies: 120+.

#9 Ramp


Ramp is an off-ramp platform tailored for mobile users. It offers a seamless and intuitive experience for those who prefer to manage their crypto on the go.

Key features:

  • Mobile-focused interface
  • Supports a variety of payment methods
  • Quick transactions
Pros Cons
The mobile platform is intuitive. It supports many fiat and cryptocurrencies. Limited presence in certain regions.

Pricing and fees:  0.99% fee per transaction.

Transfer time: Rapid processing, usually within a day

Security: Robust security measures, including KYC compliance

Supported cryptocurrencies: 90+.

#10 logo serves as an off-ramp. It lets users change cryptocurrency into regular money (such as USD or EUR) and then transfer it to a bank account.

Key features:

  • Direct bank transfers
  • User-friendly interface
  • A wider selection of fiat currencies 
Pros Cons
A wide range of currencies and trade discounts. High crypto withdrawal fees and deposit delays.

Pricing and fees: zero maker fee and 0.0440-0.0660% taker fee. Free direct bank transfers.

Transfer time: Withdrawals to an external address may take 2-3 hours to process.

Security: Regulated custodian bank accounts, hardware security modules, and multi-factor authentication are included.

Supported cryptocurrencies:  250+.

📚Related: How to Sell Crypto on

📚Related: How to Withdraw from 

#11 Bitpanda


Bitpanda, in Europe, offers a user-friendly crypto exchange platform with many payment options. It’s a top choice for easy crypto off-ramps in Europe.

Key features:

  • Proven security measures
  • Competitive pricing
  • Wide range of advanced trading features
Pros Cons
A user-friendly platform supporting various payment methods for off-ramping. Services may not be available in all jurisdictions.

Pricing and fees: 0.00-0.06% maker fee and 0.006-0.08% taker fee. Free transfers to a bank account.

Transfer time: Typically takes 1-3 business days.

Security: 2FA, cold storage, regular security audits, multi-signature wallets, bug bounty program.

Supported cryptocurrencies: 100+.

#12 Mercuryo

Mercuryo logo

Mercuryo is a licensed crypto wallet service from Estonia. Its off-ramping feature lets users convert crypto to regular money and withdraw it to their bank accounts or other payment methods.

Key features:

  • Wide range of supported currencies
  • Multiple payment methods
  • Customisable dashboard
Pros Cons
Fast transactions,  clear fee structure, and business-oriented features. It is primarily designed for businesses and relies on another platform for off-ramping.

Pricing and fees: 2.95% fee when selling crypto and Blockchain (Gas) fee for withdrawals.

Transfer time: Aims to complete off-ramp transactions within seconds.

Security: Includes anti-fraud measures and adheres to PCI DSS security standards.

Supported cryptocurrencies: 36


  • All information provided is dated 24 April 2024 and may have been updated since. Please check each platform’s official website for the latest information.

Choosing the right crypto off-ramp platform hinges on several factors. These include fees, security, ease of use, and supported cryptocurrencies. Each platform listed here offers a unique blend of features. They cater to different needs within the crypto world.

Do you focus on low fees? Do you want support for various crypto assets? Or do you need stringent security measures? There’s an off-ramp solution that aligns with your requirements.

Comparison between top-rated crypto off-ramps

Platform Currencies Pricing Security
Coinbase 240+ High Top-tier
Kraken 240+ Competitive High
Bitstamp 80+ Low Strong
Gemini 80+ High Top-notch
Coinmama 100+ High Standard
Binance 350+ Low Robust
eToro 83+ Varied Strong
MoonPay 120+ High Standard
Ramp 90+ Moderate Robust 250+ High High
Bitpanda 100+ Low High 
Mercuryo 36 High High

When choosing a top-rated crypto off-ramp platform, several key factors come into play. Each platform offers unique features. The features are tailored to different user needs.

For instance, swissmoney is known for its robust security and user-friendly interface. It’s ideal for beginners and experienced users. In contrast, Coinbase is a global leader known for its comprehensive services and ease of use. This makes it a go-to for a broad user base.

Binance has low fees and offers a wide range of cryptocurrencies, catering to those seeking cost-efficiency and variety. Kraken’s emphasis on security and regulatory compliance appeals to users who focus on these aspects.

Meanwhile, platforms like eToro stand out with their social trading features. They allow users to engage with and learn from others in the crypto community.

What is a crypto off-ramp platform? 

A crypto off-ramp platform is a service that helps users turn their cryptocurrencies into regular money, which they can withdraw to a bank account or use for various needs. 

These platforms are vital for users looking to leave the crypto market and use traditional currency. They’re often linked with on-ramp services, which let users buy cryptocurrencies with regular money.

How do you choose a reputable crypto off-ramp platform?

Selecting a reputable crypto off-ramp platform ensures a safe, efficient, cost-effective transition from crypto assets to fiat currency. Here are some factors that should be considered.


The reputation of a crypto off-ramp platform is a critical indicator of its reliability and quality. Look for platforms with positive reviews and testimonials from other users.

A platform with a strong presence in the community and positive media coverage is likely more reliable. Consider the platform’s history. A service that has existed for a long time is often more trustworthy than a new competitor.


Security is paramount in the crypto world. A reputable off-ramp platform must use strong security measures. This is to protect user funds and personal data. It includes two-factor authentication, encryption protocols, and regular security audits.

It’s also important to check if the platform complies with relevant regulations. It should have measures in place for anti-money laundering (AML) procedures. It should also have Know Your Customer (KYC) procedures.


Understanding the fee structure of an off-ramp platform is crucial. It helps avoid unexpected costs. Compare the transaction fees, withdrawal fees, and any hidden charges across different platforms.

A transparent fee structure with no hidden costs signifies a reputable service provider, but remember that the lowest fees may not always equate to the best service. Balance cost with other critical factors.

Other considerations

Other factors include the range of supported cryptocurrencies and fiat currencies. Consider ease of use, customer support quality, user-friendliness, and accessible customer service.

Finally, check if the platform operates in your region and ensure it offers bank transfers or other payment methods you prefer.

📚Read more: How to Choose Crypto On and Off-Ramp Platform: 10 Factors to Consider

What is the best way to off-ramp in crypto?

The best way to off-ramp in crypto involves using a trusted platform that turns digital assets into regular money smoothly. 

These platforms link crypto to traditional finance, letting users use digital assets for everyday needs or investments.

📚Related: How to Off-Ramp Crypto

Best crypto off-ramp platforms summary

This guide has showcased the top 12 crypto off-ramps. Each has unique strengths catering to varied user needs.

swissmoney offers robust security. Binance has low fees and a wide range of crypto. Both platforms provide reliable solutions for converting crypto to fiat currency.

They balance fees, security, user experience, and regulatory compliance. They offer a spectrum of services for both novice and experienced crypto users.

There’s an off-ramp platform suited to every crypto enthusiast’s requirements. It can cater to those prioritising cost-efficiency, a broad range of crypto assets, or stringent security measures.

To further enhance your understanding of the dynamic world of cryptocurrency transactions, explore our in-depth article “Crypto On-Ramps and Off-Ramps.”

This resource is an excellent guide for anyone looking to gain a more thorough understanding of how these platforms operate and how to utilise them effectively.

An Easier Way: swissmoney App
An Easier Way: swissmoney App
Fiat or crypto, Android or iOS we promise you the best Swiss quality experience.
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What are the fees associated with using crypto off-ramp platforms?

Crypto off-ramp platforms may charge fees in three main ways:

  • Transaction fees: These are a percentage of the amount you convert from crypto to fiat currency, ranging from 0.1% to 4.5%.
  • Network fees: These are charges associated with the specific blockchain network your cryptocurrency uses, paid to miners or validators.
  • Payment method fees: Some platforms may add extra charges depending on how you choose to receive your fiat currency, such as higher fees for credit card withdrawals compared to bank transfers.

How long does it take to transfer funds from crypto to fiat using off-ramp platforms?

The time it takes to convert cryptocurrency to regular money using off-ramp platforms can vary. Different platforms process transactions at different speeds, some fast and others slower:

  • Fastest: With a fast platform and digital wallet withdrawal, you might get your money within a day in perfect conditions.
  • Typical: It usually takes 1-3 business days for confirmation, processing, and bank transfers (if used).
  • Longest: Some platforms or bank transfers could take up to 5 business days.

What are the benefits of using crypto off-ramp platforms?

The primary benefit of crypto off-ramp platforms is the ability to convert digital assets into fiat currency easily and quickly. They provide liquidity to the crypto market. This makes it easier for users to realise their gains in a tangible form.

What are the risks of using crypto off-ramp platforms?

Crypto off-ramp platforms offer convenience and liquidity. But they also come with risks. The most significant risk is security. Users must trust these platforms with their digital assets.

They must also trust them with their personal information. Regulatory changes may impact the operation of these platforms. This could affect the ability to withdraw funds.

Furthermore, fluctuating transaction fees and exchange rates can impact the fiat currency received.

What’s the difference between crypto off-ramp and crypto on-ramp platforms?

The main difference is how they handle your money. A crypto on-ramp is like a door that lets you use your bank money to buy crypto. It turns your regular money into digital coins.

When you want to sell crypto, a crypto off-ramp does the opposite. It changes your digital coins into regular money that goes into your bank account. In simple terms, crypto on-ramp is for buying crypto, and off-ramp is for selling crypto.

Where is the best place to off-ramp crypto?

The best place to off-ramp crypto depends on your needs. Here’s a breakdown to help you choose the best platform for your needs:

  • Low fees: Binance and Kraken.
  • Security and regulation: Coinbase and Gemini.
  • User-friendliness: and Bitstamp.
  • Fast transfers: MoonPay, Ramp, or digital wallets like swissmoney.

What is the cheapest way to off-ramp crypto?

The cheapest way to convert crypto is with a platform offering low fees and no hidden costs for off-ramping. Evaluate not only withdrawal but also exchange fees. 

What is the easiest way to off-ramp crypto?

The easiest way to off-ramp crypto is to use an off-ramp or a financial service platform like swissmoney that offers more features including caching out your crypto. 

Usually, these platforms offer a user-friendly interface and multiple payment options, and allow you to convert cryptocurrencies into local currencies without extravagant transaction fees or hidden charges.

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Renata Pacheco

Renata is a seasoned financial market expert with over 30 years of experience in journalism and content creation, primarily focusing on the financial market. Throughout her extensive career, she has worked with leading financial institutions such as Citibank Brasil, Fiserv in Latin America, and other notable financial entities, further honing her expertise and credibility in the sector.

For more than six years, Renata has also been writing for the crypto market, collaborating with financial publications in Brazil, the US, and Europe. Her deep understanding and extensive knowledge make her a respected voice in the industry, appreciated for her ability to demystify complex financial concepts and market trends. This skill enables her to make financial insights accessible to a wide audience, from novice investors to seasoned professionals.

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Please be advised that the information presented in this article is intended for general informational purposes only. It should not be construed as professional advice from swissmoney. It is important to note that swissmoney does not act as a financial adviser, and individuals are strongly encouraged to seek independent advice from qualified legal, financial, or accounting professionals before making any decisions related to cryptocurrency investments. Furthermore, investing in cryptocurrency assets carries inherent risks, and individuals should be aware that they may potentially lose all of their invested capital.

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