Top 10 Best Crypto Off-Ramp Platforms for 2025
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Crypto off-ramps enable investors to cash out cryptocurrencies for fiat money. A wide range of providers support this feature, including crypto exchanges and non-custodial wallets. We researched the best crypto off-ramps and found that Binance, OKX, and Coinbase are the top choices.
Our methodology focused on core criteria to rank the best options. Across 15+ platforms, we compared transaction fees, processing times, withdrawal methods, KYC requirements, and supported digital assets. Learn more about the leading off-ramp providers for 2025.
- In This Article
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- 1. Binance - the Overall Best Fiat Off-Ramp Exchange
- 2. Coinbase - Best Off-Ramp Crypto Platform for Beginners
- 3. OKX - Best Fiat Off-Ramp for US Clients
- 4. Zengo Wallet - Best Non-Custodial Wallet to Off-Ramp Crypto
- 5. MEXC - Best Off-Ramp for SEPA Withdrawals
- 6. Ledger - Best Off-Ramp Wallet for Instant Withdrawals
- 7. Moonpay - Best Crypto Off-Ramp Provider for Low Fees
- 8. Bybit - Best Off-Ramp to Withdraw Cash Via Crypto Cards
- 9. Kraken - Best Off-Ramp Exchange for Security
- 10. Trust Wallet - Best Off-Ramp Wallet for Supported Currencies
- In This Article
-
- 1. Binance - the Overall Best Fiat Off-Ramp Exchange
- 2. Coinbase - Best Off-Ramp Crypto Platform for Beginners
- 3. OKX - Best Fiat Off-Ramp for US Clients
- 4. Zengo Wallet - Best Non-Custodial Wallet to Off-Ramp Crypto
- 5. MEXC - Best Off-Ramp for SEPA Withdrawals
- 6. Ledger - Best Off-Ramp Wallet for Instant Withdrawals
- 7. Moonpay - Best Crypto Off-Ramp Provider for Low Fees
- 8. Bybit - Best Off-Ramp to Withdraw Cash Via Crypto Cards
- 9. Kraken - Best Off-Ramp Exchange for Security
- 10. Trust Wallet - Best Off-Ramp Wallet for Supported Currencies
Show Full Guide
The Top Crypto Off-Ramps in 2025 Shortlisted
Crypto Exchange with Highest Liquidity
- Largest crypto exchange in the world with 1,500+ trading pairs
- Trading fees starting as low as 0.1%
- Gain exclusive access to new coins with Binance Launchpad
Popular Exchange with $120 USDT Sign Up Bonus
- Trade spot, futures, and options
- Available in the United States
- Native non-custodial Web3 wallet
Safe Wallet with Staking and dApps
- Self-custodial crypto wallet with 1M customer base
- Multi-chain support powered by MPC for added security
- Buy, sell, send, receive and connect to Web3 dApps
What Are the Best Fiat Off-Ramps for Crypto?
According to our research methods, Binance is the overall best fiat off-ramp. Here are the 10 top platforms ranked:
| Off-Ramp Platform | Withdrawal Methods Available | Supported Fiat Currencies | Withdrawal Fees | Processing Time |
| Binance | 800+ P2P methods, bank transfers, e-wallets, cards | 100+ | 0–0.2%, depending on the currency | Minutes, but varies by P2P buyer |
| Coinbase | ACH, Faster Payments, SEPA, PayPal, PayID, Osko, SWIFT, Visa, MasterCard, and more | 20+ | Up to 2% for the Instant Cashout feature. Most bank withdrawals are fee-free | ~30 minutes (Instant Cashout). Other methods take 0–2 business days |
| OKX | Bank withdrawals via ACH, SEPA, plus 100+ P2P methods | 100+ | None | 1–7 business days for bank payouts; minutes for P2P |
| Zengo Wallet | Cards, bank transfers, PayPal, and Venmo | 35+ | Varies by off-ramp partner | Usually instant |
| MEXC | SEPA and 100+ P2P methods | 30+ | €1 on SEPA withdrawals. No P2P seller fees | 1–3 business days for SEPA payouts |
| Ledger | SEPA, Faster Payments, cards through Transak | 10+ | 1% plus a variable spread on crypto-to-fiat conversions | Instant |
| MoonPay | Cards, PayPal, Venmo, ACH, SEPA, Faster Payments | 34+ | Free withdrawals for UK, EU, and US customers, plus a 0–2% ecosystem fee | Usually instant |
| Bybit | Crypto-backed cards, SEPA, PIX, bank transfers, Zen.com, Faster Payments, and 80+ P2P methods | 60+ | Varies by payment method | Depends on the payment type and service |
| Kraken | ACH, Faster Payments, SEPA, SWIFT, and other banking networks | 10+ | Most banking methods are free or near-free | Instant to 5 business days, depending on the method |
| Trust Wallet | MoonPay, Simplex, Banxa, Mercuryo, and Ramp Network | 100+ | Varies by fiat off-ramp provider, currency, and withdrawal method | Varies by fiat off-ramp provider, currency, and withdrawal method |
The Best Crypto Off-Ramps: Full Reviews
In the following reviews, we’ll help you choose the right fiat off-ramp for crypto for your needs. We’ll discuss everything you need to make an informed decision, including supported fiat currencies, fees, and available cashout methods.
1. Binance – the Overall Best Fiat Off-Ramp Exchange
- Withdrawal Methods: 800+ P2P methods, including local transfers and e-wallets
- Supported Fiat Currencies: 100+, including USD, EUR, and GBP
- Withdrawal Fees: Buyers cover transfer fees, but sellers pay a small P2P commission of 0–0.2%, depending on the currency
Binance ranks as the best option when selling cryptocurrencies for traditional money. The world’s largest exchange offers a peer-to-peer (P2P) platform that supports over 800 withdrawal methods. Since sellers connect with domestic buyers, local payment types include bank transfers and e-wallets in the same fiat currency.
To begin, set up a P2P order by listing the digital asset, cashout amount, and the preferred exchange rate; or you can accept existing buyer offers. After that, you’ll need to deposit cryptocurrencies into Binance’s escrow wallet. Then, the buyer will transfer money to your account, and Binance will release the escrow funds. Most P2P trades take minutes, although exact timeframes depend on the buyer.
The off-ramp feature supports 10 assets, including Bitcoin (BTC), Tether (USDT), Ethereum (ETH), BNB (BNB), and USDC (USDC). Use Binance’s spot exchange to cash out an alternative crypto. It lists hundreds of pairs with competitive commissions of just 0.1%. Platform users also trade assets on the instant conversion tool, as they avoid the order-matching system.
- Available worldwide
- The P2P dashboard supports 800+ payment methods and 100+ currencies
- Sellers pay a maximum P2P fee of 0.2%
- The escrow system protects sellers against scams
- Tier-1 liquidity ensures a fast withdrawal process
- Users must upload ID verification documents before they trade
- P2P withdrawal methods lack PayPal support
2. Coinbase – Best Off-Ramp Crypto Platform for Beginners
- Withdrawal Methods: Various banking methods, including ACH and SEPA. Other cashout options include PayPal, PayID, and Osko.
- Supported Fiat Currencies: 20+
- Withdrawal Fees: 1.5–2% (Instant Cashout). Most bank withdrawals are fee-free. E-wallet payment fees vary.
Coinbase is a reliable option for beginners who want a simple way to buy and sell cryptocurrencies with convenient payment types. The built-in off-ramp tool lets users convert digital assets to local money without using the spot exchange. Account holders then select their withdrawal method, which includes domestic banking networks like SEPA, Faster Payments, and ACH.
The trading platform also offers an Instant Cashout feature. Users pay between 1.5% and 2% depending on their nationality, and Coinbase approves withdrawals in about 30 minutes. The standard withdrawal service is typically fee-free, and payouts are processed on a same-day basis.
Coinbase, which is available on browsers and an iOS/Android app, has strict KYC procedures. It also charges high conversion fees that average 1.49% per side. Traders reduce commissions by placing limit orders on Coinbase Advanced, although the experience is less user-friendly than the basic platform.
- Beginner-friendly mobile and web apps
- Complies with regulations
- Available in the US
- Instant crypto-to-fiat conversions on the basic trading platform
- Most local bank account withdrawals are fee-free
- Standard trading commissions average 1.49% per side
- The Instant Cashout feature costs up to 2%
3. OKX – Best Fiat Off-Ramp for US Clients
- Withdrawal Methods: Direct bank account withdrawals, plus 100+ P2P methods
- Supported Fiat Currencies: 100+
- Withdrawal Fees: None
OKX is a global crypto exchange with licenses in several jurisdictions, including the US. We found that the platform offers the best fiat off-ramp for ACH withdrawals. Platform users avoid withdrawal fees, and the exchange typically processes payments in several days. OKX also offers fee-free bank payouts in Europe, Australia, and other regions.
Before cashing out, investors sell cryptocurrencies on the OKX exchange, which supports about 300 coins and tokens. As the platform lists fiat-driven pairs like BTC/USD and ETH/EUR, converting digital assets for real money is seamless. While US clients incur trading fees of 0.14% and 0.23% per side, other nationalities pay just 0.1%.
Another fiat off-ramp option is the P2P exchange. It supports over 100 fiat currencies and multiple payment options without fees. To fast-track sales, use OKX’s express service, as it matches sellers with buyers automatically. Just input the asset, currency, and receiving method, and OKX lists suitable buyers.
- The best option to withdraw USD via ACH
- Fee-free bank payouts with high limits
- P2P sellers access an additional 100+ methods
- The spot exchange offers fiat pairs like BTC/USD
- A safe and regulated platform with robust security
- Withdrawal requests take several days to process
- Available off-ramp services vary by jurisdiction
4. Zengo Wallet – Best Non-Custodial Wallet to Off-Ramp Crypto
- Withdrawal Methods: Partnered off-ramps support debit/credit cards, e-wallets, and bank transfers
- Supported Fiat Currencies: 35+
- Withdrawal Fees: Third-party gateways include variable fees in the final quote
Zengo is one of the best crypto wallets for non-custodial storage. It is partnered with five off-ramp providers: MoonPay, Ramp, Banxa, Bits of Gold, and Coinify. These partnerships unlock an extensive selection of withdrawal methods, including debit/credit cards by Visa and MasterCard, bank account transfers, and e-wallets like PayPal and Venmo.
Each off-ramp provider sets crypto-to-fiat fees by currency and withdrawal type. They include these fees in the final quote. The Zengo app matches users with the best quotes automatically based on their payout parameters.
In terms of security, Zengo specializes in multi-party computation (MPC) technology. The framework replaces private keys with secret shares, which helps users avoid single points of failure. Although Zengo requires no personal information or verification documents, partnered gateways have independent KYC policies.
- Combine fiat off-ramp services with non-custodial storage
- Withdrawal methods include Visa, MasterCard, PayPal, and Venmo
- The Zengo app offers a user-friendly platform suitable for beginners
- Security key features include MPC secret shares and three-factor authentication
- Some gateway partners charge high withdrawal fees
- Users need a Zengo subscription to secure more competitive rates
5. MEXC – Best Off-Ramp for SEPA Withdrawals
- Withdrawal Methods: Direct SEPA withdrawals and 100+ methods on the P2P platform
- Supported Fiat Currencies: EUR and BRL (direct), and 30+ P2P currencies
- Withdrawal Fees: SEPA payouts cost €1, no fees on P2P trades
MEXC is our top choice for European crypto enthusiasts wanting to withdraw crypto profits through the SEPA banking network. The exchange offers huge daily withdrawal limits of €20,000, and customers pay just €1 in fees regardless of the transaction size. Most SEPA withdrawals are processed in 1–3 business days.
Investors from other regions use MEXC’s P2P platform, which supports over 30 fiat currencies. P2P traders sell BTC, ETH, USDT, BNB, and other top altcoins. No service fees apply, and sellers choose exchange rates or accept existing buyer offers. Popular withdrawal methods include Paysera, N26, local transfers, Revolut, and Skrill.
MEXC is also one of the best crypto off-ramp platforms to cash out less popular assets. Its spot exchange supports over 4,200 coins and tokens with deep liquidity and high daily trading volumes. Traders who place limit and market orders incur commissions of 0% and 0.05%, respectively.
- P2P platform with over 30 fiat currencies
- Daily transfer limits of €20,000
- SEPA fees of just €1, regardless of withdrawal size
- Access over 4,200 coins and tokens on the spot exchange
- Non-EU traders must use the P2P exchange
- MEXC holds no regulatory licenses
6. Ledger – Best Off-Ramp Wallet for Instant Withdrawals
- Withdrawal Methods: Direct SEPA withdrawals and 100+ methods on the P2P platform
- Supported Fiat Currencies: 10+
- Withdrawal Fees: 1% plus a variable spread on crypto-to-fiat conversions
Ledger is a popular hardware wallet that offers cold storage with non-custodial access. The wallet is partnered with Transak to offer fiat off-ramp crypto services. Through the Ledger Wallet (formerly Ledger Live) application, Transak lets users sell multiple cryptocurrencies and withdraw funds to various payment types.
Payout options include Visa, MasterCard, and bank transfers through SEPA and Faster Payments. 10+ fiat currencies are available, and Transak typically processes withdrawals instantly. This perk means users receive funds in their bank accounts in minutes, although debit/credit card payouts may require 1–2 business days.
Regarding fees, Transak charges 1% of the withdrawal size, and Ledger adds a variable spread to the initial crypto-to-fiat conversion. Ledger Wallet also supports a fiat on-ramp for instant crypto purchases, as well as token swaps with cross-chain functionality. To buy the hardware device, customers pay between $59 and $399, depending on the model.
- Top-rated hardware wallet with cold storage features
- The native companion application has Transak integration
- Withdrawal methods include debit/credit cards and bank transfers
- The off-ramp processes SEPA and Faster Payments transactions instantly
- Supports a much smaller range of fiat currencies compared with other off-ramps
- Ledger Wallet adds an unspecified spread to crypto-to-fiat swaps
- The most premium hardware model costs $399
7. Moonpay – Best Crypto Off-Ramp Provider for Low Fees
- Withdrawal Methods: PayPal, Venmo, ACH, SEPA, Faster Payments, Google/Apple, and more
- Supported Fiat Currencies: 34+
- Withdrawal Fees: 0–2% ecosystem fee for all users. US, EU, and UK customers get fee-free withdrawals on MoonPay Balance. Variable fees for other nationalities.
MoonPay is a fiat-on and off-ramp provider that partners with 100+ wallets, exchanges, and decentralized applications (dApps). It also offers iOS and Android apps that serve customers directly. While the provider supports 34+ fiat currencies, users located in the US, Europe, and the UK can access MoonPay Balance, which offers the most competitive fees.
MoonPay Balance allows free deposits and withdrawals in USD, EUR, and GBP. The off-ramp supports multiple withdrawal methods, including PayPal, Venmo, ACH, SEPA, and Faster Payments. The service typically processes withdrawal requests instantly and doesn’t charge transaction fees. However, you’ll pay a 0–2% ecosystem fee, which MoonPay displays before confirmation.
Investors located in other regions may also convert cryptocurrencies to fiat, and variable fees range from 0% to 5%. This charge is in addition to the ecosystem fee. Cash out methods vary by country and include Google/Apple Pay, Revolut, PIX, and Interac e-Transfer.
- Ultra-low withdrawal fees in USD, EUR, and GBP
- Payout options include PayPal, Venmo, ACH, SEPA, and Faster Payments
- Instant buy and sell over 170 cryptocurrencies
- The app has excellent ratings on Google Play and the App Store
- Non-MoonPay Balance customers incur higher fees
- Complicated fee structure on some payment methods
- Does not support Skrill or Neteller
8. Bybit – Best Off-Ramp to Withdraw Cash Via Crypto Cards
- Withdrawal Methods: Bybit debit card, SEPA, SWIFT, Zen.com, and 80+ P2P methods
- Supported Fiat Currencies: 60+
- Withdrawal Fees: Varies by payment method. The Bybit debit card offers instant purchases and ATM withdrawals. Bank transfers average 1–3 business days. P2P trades are typically completed in minutes.
Bybit is a Tier-1 exchange with over 78 million users that supports various methods to cash out your crypto. Our top pick is Bybit’s Visa and MasterCard debit cards, which connect to your exchange balances. You can use them to spend crypto in the real world through online and in-store purchases, and withdraw cash from millions of global ATMs.
Another option is standard bank withdrawals. Bybit processes payments through SWIFT and SEPA, as well as Zen.com for local networks. The exchange provides no fee structure for fiat withdrawals, since charges vary by currency and banking partner.
The platform also offers P2P services in 60+ fiat currencies and 80+ payment methods. Most P2P buyers purchase assets above the global spot price, so sellers secure higher profits and receive funds in local currencies. Most P2P liquidity covers BTC, USDT, USDC, and ETH, and Bybit charges no additional fees to buyers and sellers.
- Withdraw cash from ATMs via the Bybit debit card
- class=”c2 c7 li-bullet-0″>Other popular payment methods include bank transfers and Zen.com
- P2P sellers typically cash out above the global price
- The card limits free ATM withdrawals to $100 per month
- No off-ramp service for debit/credit cards
- Bybit does not accept US clients
9. Kraken – Best Off-Ramp Exchange for Security
- Withdrawal Methods: ACH, SEPA, Faster Payments, SWIFT, and other banking networks
- Supported Fiat Currencies: 10+
- Withdrawal Fees: Most bank account transfers are free or near-free. Some methods incur higher fees.
Kraken is a regulated and secure crypto exchange that offers fiat off-ramps in 10 countries, including the UK, EU, US, Australia, and Japan. While the platform lacks debit/credit card and e-wallet withdrawals, it allows bank account payouts in each supported country. Networks include Faster Payments, ACH, and SEPA.
Fees vary by banking network, although most nationalities get free or near-free cashouts. ACH, for instance, is free, while SEPA withdrawals cost just €1. Processing times also depend on the withdrawal method. Instant SEPA offers instant withdrawals, while Canadian EFTs can take up to 5 business days.
Kraken is also one of the best crypto off-ramp providers for asset diversification. The licensed spot exchange lists over 550 assets, and many markets trade against fiat currencies. It also supports perpetual futures in select countries, which offer 50x leverage. We recommend using Kraken Pro to secure lower commissions, as instant conversions incur high convenience fees.
- One of the most secure crypto exchanges
- Convert over 550 cryptocurrencies into local money
- Zero or low withdrawal fees on most banking methods
- Instant conversions incur adverse trading commissions
- Off-ramp withdrawals are available in just 10 currencies
- Many users report slow customer support response times
10. Trust Wallet – Best Off-Ramp Wallet for Supported Currencies
- Withdrawal Methods: Partnered gateways support e-wallets, debit/credit cards, and bank transfers
- Supported Fiat Currencies: 100+
- Withdrawal Fees: Varies by off-ramp, currency, and withdrawal type
With over 200 million users, Trust Wallet is one of the most popular non-custodial wallets globally. The wallet relies on several off-ramps, including MoonPay, Simplex, Banxa, Mercuryo, and Ramp Network. These diverse partnerships let users sell crypto for over 100 fiat currencies across dozens of local and international payment methods.
Payment solutions range from Visa, MasterCard, and bank transfers to Skrill and Neteller. Users input their cashout requirements, and the off-ramp feature displays an all-in-one exchange rate. Trust Wallet ensures users receive the most competitive fees for their crypto-to-fiat transactions, based on the available gateways.
While Trust Wallet is also available as a browser extension, only the iOS and Android apps support off-ramp conversions. The app offers various other features, including decentralized finance (DeFi) yields, cross-chain swaps, and seamless access to NFT marketplaces.
- Supports over 100 fiat currencies
- Off-ramp partnerships include MoonPay, Simplex, and Banxa
- Access hundreds of dApps
- The browser extension lacks off-ramp services (mobile only)
- Trust Wallet does not publish fiat withdrawal fees
- The wallet comes with limited security features
What is a Crypto Off-Ramp?
Crypto off-ramps connect traditional finance with the digital asset market. They let investors convert cryptocurrencies to traditional currencies (fiat) like USD and GBP, and withdraw those proceeds to a personal account.
Depending on the provider, users transfer money to a bank account, e-wallet, or debit/credit card. Some off-ramps also offer crypto-backed cards, so users can purchase goods in the real world or withdraw cash from ATMs.
Most people use crypto exchanges like Binance and OKX to access off-ramp services. These platform types suit active traders, and they offer various cash-out methods like local bank transfers and P2P trading.
Zengo, Trust Wallet, and other non-custodial wallets partner with third-party gateways like MoonPay and Banxa. These integrations let long-term holders cash out their profits without using a centralized exchange.
What is the Difference Between an On-Ramp and an Off-Ramp
The difference between crypto on-ramps and off-ramps is as follows:
- On-ramps allow investors to purchase BTC and top altcoins with traditional money.
- Off-ramps facilitate the opposite transaction, since they let users sell cryptocurrencies for real money and withdraw funds to a local account.
As many gateways provide both on and off-ramp services, users can buy and sell digital assets from the same account.
Why Use a Crypto Off-Ramp?
Fiat off-ramps have various benefits, from profit-taking and managing crypto volatility to optimizing your portfolio for tax purposes. Let’s look at the main reasons:
- Reallocate Funds to Traditional Finance: Off-ramp providers let you access the traditional finance (TradFi) ecosystem. Most financial institutions, like brokerages and banks, require fiat money to execute investments.
- Reduce Crypto Volatility: During ultra-volatile markets, some investors use off-ramps to de-risk from the quickly changing crypto market. This strategy enables them to re-enter the market when stability returns.
- Profit-Taking: Securing profits during bullish cycles is an essential risk management tactic. Fiat off-ramps help investors convert profitable crypto positions into real-world money.
- Portfolio Rebalancing: Off-ramp gateways streamline portfolio rebalancing, allowing you to invest in non-crypto assets for broader diversification. Conventional markets like equities, bonds, and mutual funds help reduce investment risk.
- Tax Purposes: While crypto-to-fiat conversions usually trigger capital gains liabilities, they also offer potential benefits. Some investors strategically cash out to capitalize on annual tax allowances or utilize capital losses.
How to Choose a Crypto Off-Ramp Platform?
Many crypto providers offer fiat off-ramp services. To select the right option, consider the platform’s reputation, conversion and withdrawal fees, available assets, and processing times.
These are the most important factors when choosing the best crypto off-ramp in 2025.
Check Supported Fiat Currencies
Ensure the off-ramp supports your local currency to avoid foreign exchange fees, which can add an extra 3–5% in transaction costs.
As most off-ramp providers support major currencies like USD, EUR, and GBP, a common workaround is to sell cryptocurrencies on a P2P exchange. These platforms often support over 100 global currencies, and you trade directly with sellers in the same country.
Verify Withdrawal Methods
Withdrawal types vary widely by off-ramp platform and currency. Evaluate which cash-out methods are available when researching providers.
OKX remains a popular choice to withdraw cryptocurrencies via local payment methods like ACH and SEPA. Zengo’s extensive gateway partnerships unlock additional payout types such as debit/credit cards, PayPal, and Venmo.
Take Security Into Account
Evaluate the platform’s security measures and framework before setting up a fiat off-ramp trade. Key safety measures you should look for include IP address whitelisting, biometrics, and two-factor authentication (2FA). Data encryption is also essential, as you’ll need to input financial information when cashing out crypto.
To maximize security, consider a cold storage wallet like Ledger, which stores private keys offline. Ledger users connect to the desktop or mobile companion application to sell digital assets for fiat money.
Compare Fees
Our research found a wide disparity in fiat off-ramp fees. Many gateways include commissions into a single exchange rate, so users must compare charges against real-time prices. These charges often include crypto-to-fiat conversions, spreads, network gas, and withdrawal fees.
Local bank withdrawals are usually the cheapest way to cash out digital assets, while debit/credit card transfers are the most expensive.
Processing Times
Withdrawal speeds vary by off-ramp gateway and payment method. Some gateways approve cashout requests in minutes, while others take several business days.
Once approved, local bank and e-wallet transfers typically arrive right away, yet international wires and Visa/MasterCard refunds can take a couple more days.
What Are the Different Types of Fiat Off-Ramps?
The type of fiat off-ramp provider impacts the user experience, KYC requirements, available withdrawal methods, and other key metrics.
Here are the most common platform types that support crypto-to-fiat transactions:
Crypto Exchanges – Best for Active Crypto Traders
The best crypto exchanges provide an all-in-one ecosystem for digital asset investors. Users complete KYC verification, deposit fiat money, and trade cryptocurrencies across spot or derivative markets.
Tier-1 exchanges like Binance allow verified traders to sell crypto for fiat, then transfer cash to an e-wallet or bank account.
If Binance lacks support for a particular payment method or currency, users sell assets to P2P buyers in their home jurisdiction. The P2P feature supports over 800 withdrawal methods, including domestic bank transfers.
Visit BinanceCrypto Wallets – Best for Combining Self-Custody Storage With Fiat Conversions
Wallets appeal to investors who prefer non-custodial experience, as exchanges present centralization risks. Users download a desktop or mobile wallet and store private keys on the same device.
This framework enables full autonomy, as users send, receive, store, and trade cryptocurrencies without trusting a third-party custodian.
Zengo offers an iOS and Android app that connects with Banxa, Ramp, MoonPay, and other reputable off-ramps. They help convert wallet assets to real money and cash out funds through bank transfers, PayPal, Visa, MasterCard, and more.
Visit ZengoSpecialized On/off-Ramp Platforms – Best for Beginners Who Prioritize Simplicity
Some gateways offer direct consumer services to retail clients. Instead of converting crypto to fiat on an exchange or wallet, investors trade through the off-ramp itself, usually after opening an account and uploading a government-issued ID.
MoonPay, for instance, supports over 34 fiat currencies and dozens of withdrawal methods. Its “Balance” feature offers fee-free withdrawals to users in the US, UK, and EU, and instant processing is common.
Visit MoonPayWhat Fiat Withdrawal Methods Do Crypto Off-Ramps Offer?
We found that most off-ramps support common banking networks for major currencies, such as ACH (USD), Faster Payments (GBP), and SEPA (EUR). Once the off-ramp processes a transaction, funds arrive in minutes. SWIFT is typically available for investors located in emerging regions, although these transfers can take up to 5 business days.
Off-ramps sometimes enable fast and secure e-wallet withdrawals. Providers may include PayPal, Skrill, Neteller, Google Pay, Apple Pay, and Venmo. Debit/credit card withdrawals are another option, although users should expect higher fees and slower processing times.
For localized payment methods, use a P2P exchange like Binance or OKX. You sell crypto directly to people in the same country, who transfer local currency to your preferred account.
What Fees Do Crypto Off-Ramps Charge?
Fee structures depend on the type of off-ramp service.
When using an exchange that offers direct fiat withdrawals, users initially trade digital assets for a supported currency. OKX, one of the lowest-fee crypto exchanges, lets US clients sell major cryptocurrencies for USD at a 0.14–0.23% commission. Users then withdraw that USD balance via ACH fee-free.
Non-custodial wallets that rely on third-party off-ramps typically offer one-step cashouts. Investors input the coin or token and the withdrawal size, and the gateway shows how much they receive in local currency.
The exchange rate covers various charges, such as trading crypto for fiat and processing the cash transfer. Total fees average 2–5%, yet assessing quotes before confirmation is crucial.
You choose the exchange rate when selling cryptocurrencies to a P2P buyer, although the trade executes only when someone accepts the offer. Another option is to browse existing buyer offers, which sometimes provide competitive rates. P2P buyers cover transaction fees, as they transfer funds directly to the seller’s account.
How to Off-Ramp Crypto: Step-by-Step Guide
This tutorial explains how to off-ramp crypto for local money. We use Binance for this walkthrough, since it supports bank withdrawals and over 800 P2P methods.
Step 1: Open a Binance Account
You need a verified Binance account to convert digital assets to cash. To register, visit the Binance website, input an email address or mobile number, and choose a strong password.
We recommend completing some security steps to keep your Binance account safe. In the “settings” dashboard, set up two-factor authentication. Binance supports the Authenticator App and passkey biometrics.
Other safeguards include device and wallet whitelisting, SMS verification, and anti-phishing codes.
Visit BinanceStep 2: Verify Your Binance Account
Since Binance complies with anti-money laundering regulations, it requires account holders to verify their identity. The KYC process takes under two minutes to complete. Select “Verification” under the account profile icon, and complete the on-screen steps.
Binance requires personal information, government-issued ID, facial recognition, and proof of address. You also fill out a quick questionnaire regarding your prior crypto trading experience.
KYC-verified accounts withdraw up to $2 million in fiat daily. P2P trades have no withdrawal limits.
Step 3: Deposit Crypto
The next step is depositing the cryptocurrencies that you want to sell. Tap the wallet icon, followed by “Deposit” and “Deposit With Crypto”.
Once you select the asset and network, Binance displays the deposit wallet address. Transfer the assets from a private wallet, and wait a few minutes for Binance to credit the funds to your account.
Step 4: Browse P2p Offers
We found that Binance’s P2P dashboard offers the overall best crypto off-ramp service. It supports 100+ fiat currencies and 800+ payment types. Seller commissions are just 0–0.2% (depending on the currency), and buyers cover transfer fees.
While Binance lets sellers post offers based on their preferred exchange rate, the fastest option is using existing buyer liquidity.
Under “Buy Crypto”, click “Buy Crypto via P2P” and switch to “Sell” mode. Then input the cashout parameters, including the digital asset and preferred fiat currency. Binance lists buyer offers by exchange rates. Each offer lists available payment methods and minimum/maximum limits.
We strongly recommend reviewing buyer profiles before proceeding. Core factors include the number of prior P2P trades, completion rate, and average payment time. Consider accepting a slightly less competitive rate to deal with established buyers.
Step 5: Sell Crypto to the Chosen P2p Buyer
After selecting a P2P buyer, provide your payment instructions in the secure chat box, such as bank account details or an e-wallet address. Then confirm the transfer to Binance’s escrow wallet. This locks the cryptocurrencies until you receive payment from the buyer.
The buyer transfers funds to your payment account and confirms the order as complete. Check the account to ensure the money is there.
You can then approve the P2P transaction, and Binance releases the cryptocurrencies from the escrow wallet.
Conclusion – What is The Best Crypto Off-Ramp in 2025?
Fiat off-ramps simplify crypto-to-fiat conversions through everyday payment methods. To choose a provider, consider available withdrawal methods, transaction fees, and the platform’s security framework.
Overall, we rate Binance as the best crypto off-ramp for 2025. Its P2P dashboard supports over 800 payment types, and sellers incur maximum commissions of just 0.2%. Buyers cover transfer fees, and they typically complete payment in minutes. Binance ensures safety through escrow wallets, rating systems, and mandatory KYC verification.
Visit BinanceFAQ
What is the cheapest way to off-ramp crypto?
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Can I use my wallet as an off-ramp?
What is the fastest crypto off-ramp?
Can I use the same provider as both an on-ramp and an off-ramp?
Is there a limit to how much I can off-ramp?
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