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Fees and exchange rates for buying crypto and topping up

Understand buying and top-up fees and check your quote before you pay.

Fees vary by payment method, currency and transaction. Check the fees, exchange rate and amount of crypto you’ll receive before you confirm.

How much are the fees?

Starting processing fees for buying crypto are shown below.

Payment method

Processing fee

EUR bank transfer (SEPA)

From 0.99%

Easy Bank Transfer

From 1.99%

Card, Apple Pay or Google Pay

From 2.49%

Pix

From 0.94%

PayPal

From 1.95%

Top-ups and eligible offers may have lower fees. Payment methods depend on your location and transaction; PayPal is available for supported UK purchases only. Check your quote for the fee that applies to you.

These are starting processing rates, not the total transaction cost. A minimum processing fee may apply. If the percentage-based fee is below that minimum, the minimum applies instead.

What else should I check?

Your quote shows any additional charges, such as network, currency-conversion or partner fees. Your bank or card provider may charge separately.

Compare the total amount you pay with the crypto amount you receive. A zero processing fee does not necessarily mean the transaction has no other costs.

Why might the crypto amount differ from the first quote?

An initial quote can be indicative. For a purchase using a floating exchange rate, the rate is determined when Ramp Network receives the payment, rather than when the purchase was first created. A price change in that interval can mean receiving more or less crypto.

Faster payment does not guarantee an unchanged price. Compare the completed transaction’s crypto amount, exchange rate and fees with the earlier quote.

My bank charged a different amount

Check whether your bank applied a separate charge or converted the payment into your account currency. Ask your bank about those charges.

If the Ramp Network receipt itself looks incorrect, contact Contact Ramp Network support with the transaction ID and the discrepancy.

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