Ramp Network

Start with the counterparty, because there are three of them and which one you deal with depends on where you live. Ramp Swaps Limited is registered in England and Wales under 11850124 from an office on Rivington Street in London, and is registered with the Financial Conduct Authority as a cryptoasset firm, reference 928783. Ramp Swaps (Ireland) Limited, registration 739533 in Dublin, is supervised by the Central Bank of Ireland, and the site shows an authorisation reference of C515693 said to be valid across all 27 European Union states. Ramp Swaps LLC in Miami is a money services business registered with FinCEN and licensed as a money transmitter in a number of US states, NMLS identifier 2366547.

That registration is worth reading precisely. Being on the FCA register under the money-laundering rules is a supervision regime, not a guarantee about the purchase itself, and the company states as much: its terms say that buyers of cryptoassets will not have access to the Financial Ombudsman Service or the Financial Services Compensation Scheme if something goes wrong. Its risk warning carries the standard FCA language about high-risk investments.

On price it is more forthcoming than most. Its support centre, consulted on 8 August 2026, publishes a schedule, though the figures are ceilings rather than fixed rates. Buying, the caps are 1.40% by manual bank transfer, 2.40% by easy bank transfer, 3.9% on cards denominated in dollars, euros or pounds, 5.45% on cards in other currencies and 2.90% via Pix, each with a minimum of up to 2.49 euros. Apple Pay and Google Pay inherit the terms of the card behind them. Selling is lighter and flatter: 0.99% via ACH, RTP, SEPA and SEPA Instant with minimums near 1.99, 2.9% via SPEI, and 4.49% for a payout onto a Visa or Mastercard. Blockchain network costs sit outside all of that and come from your own wallet.

There is one line that changes the arithmetic. The company states that integration partners may add a percentage of their own on top, and that this extra is not charged when you transact directly. Because the same engine is embedded in a great many wallets and apps, an identical purchase can cost noticeably more depending on which app you launched it from. Comparing the quoted total in two places before confirming is the cheap fix.

Beyond price it has grown into a consumer app rather than a bolt-on component. Founded in 2018, with offices in Britain, Ireland, Poland and the United States and upwards of 160 staff, it reports serving 150-plus countries and territories and 10 million customers, and shows 4.8 on both mobile stores. The app bundles a self-custodial wallet built on technology from Turnkey, where keys live on the handset behind passkeys and recovery runs by email; swaps advertised at more than 1,200 pairs, including native bitcoin to ether; free stablecoin sending; and an Earn vault quoted at up to 7% a year, geographically restricted, whose own terms warn of possible partial or total loss of deposits.

Two practical notes from the help pages. Accounts get locked for predictable reasons, among them paying with an instrument that does not belong to you or sending to a shared address, and the company says a lock leaves the self-custodial balance untouched because it never holds the keys. Promotional discounts on charges appear regularly, which is a reminder that the numbers above are ceilings and the quoted total on screen is the figure that binds.