Ramp Network Review (October 2026): Fees, US States and Licenses

Best for: Card on-ramp, most states

5.5/10

US access 20%9.4
Regulation 20%4.0
Security record 15%7.0
Cost 15%5.0
Range 10%4.2
Popularity 15%2.0
Data quality 5%7.0

By Vahe Hakobyan Verified October 5, 2026 Medium confidence No affiliate links

Taker fee— Not verified
US states43 of 51
New YorkNo
Coins— Not verified
CustodyNon-custodial
App Store4.6 ★ · 170

Our verdict

Ramp Network is a fiat-to-crypto on-ramp whose US entity, Ramp Swaps LLC of Miami, is registered with FinCEN (NMLS ID 2366547) and holds money transmitter licenses in Alabama and Maryland. It is unavailable in eight states, including New York, New Jersey and Washington. Fees run up to 3.9% for USD card purchases and up to 1.40% for manual bank transfers.

Pros

FinCEN-registered US entity with NMLS ID 2366547
Bank transfer fee up to 1.40%
Unsupported states published in the help center

Cons

Not available in eight states, including NY and NJ
USD card purchases cost up to 3.9%
Only two state licenses listed directly

Ramp Network fees

Maker / taker: — Not verified
Simple buy: Up to 3.9% with USD cards (min up to EUR 2.49); bank transfer up to 1.40%
ACH deposit: — Not verified
Wire deposit: — Not verified
Card purchase: Up to 3.9% (USD cards)
USD withdrawal: — Not verified
Crypto withdrawal: — Not verified
Other fees: Integration partners may add their own fee; network fee passed through
Minimum deposit: — Not verified

Is Ramp Network available in my state?

Ramp's help center (read Oct 5, 2026) lists eight unsupported US states; elsewhere US users are served by Ramp Swaps LLC of Miami, a FinCEN-registered money services business (NMLS 2366547).

AL available
AK available
AZ available
AR available
CA available
CO available
CT available
DE available
DC available
FL available
GA available
HI available
ID available
IL available
IN available
IA available
KS available
KY available
LA not available
ME available
MD available
MA available
MI available
MN not available
MS available
MO available
MT available
NE available
NV not available
NH available
NJ not available
NM available
NY not available
NC available
ND available
OH available
OK available
OR available
PA not available
RI available
SC available
SD available
TN available
TX available
UT available
VT not available
VA available
WA not available
WV available
WI available
WY available

Puerto Rico and the US Virgin Islands are also unsupported; access is based on physical location.

New York: No
ID check (KYC): — Not verified
Withdraw crypto: — Not verified
Funding: — Not verified

Is Ramp Network regulated?

FinCEN MSB
NMLS 2366547

US operator: Ramp Swaps LLC
Parent company: — Not verified
State licenses: Money transmitter licenses in Alabama and Maryland; partners with Zero Hash for on-ramps in certain states
New York license: — Not verified
Founded: — Not verified
Headquarters: — Not verified

How secure is Ramp Network?

Proof of reserves: — Not verified
Audits: — Not verified
Insurance: — Not verified

Crypto held on a platform is not covered by FDIC or SIPC insurance.

What you can do on Ramp Network

Spot

Buy, sell and swap flows; homepage also promotes a self-custodial wallet (US availability not confirmed).

Apps: Web, iOS
Support: Help center

Ramp Network FAQ

Is Ramp Network available in my state?

Ramp Network serves 43 of 51 jurisdictions (50 states and DC). Not available in Louisiana, Minnesota, Nevada, New Jersey, New York, Pennsylvania, Vermont, Washington.

Can New York residents use Ramp Network?

No. Ramp Network does not accept New York residents.

What are Ramp Network's fees?

Simple buy: Up to 3.9% with USD cards (min up to EUR 2.49); bank transfer up to 1.40%.

Is Ramp Network regulated in the US?

US customers are served by Ramp Swaps LLC. Registrations and licenses on record: FinCEN MSB, NMLS 2366547.

Alternatives to Ramp Network

Not financial advice. Crypto prices are volatile and you can lose everything you put in. World-Crypt earns nothing from the platforms reviewed here.