Banxa
Fiat on-ramp and off-ramp infrastructure that exchanges and wallets embed to let users buy and sell crypto.
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Banxa key facts
| Category | Fiat on-ramp |
|---|---|
| Platforms | Web, API |
| Custody | Custodial |
| Fees | EU: cards and Apple Pay 1.99% processing fee, other methods 0%, plus typical 2% to 4% spread |
| US availability | Available via BNXA USA MTL Inc., FinCEN MSB with state money transmitter licenses |
What is Banxa?
Banxa is a fiat-to-crypto payment provider that partners embed for buying and selling crypto. In the US it operates as BNXA USA MTL Inc., a FinCEN-registered MSB (NMLS ID 2347615) with state money transmitter licenses. Its EU pricing page lists a 1.99% processing fee for cards and Apple Pay plus a typical 2% to 4% spread.
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Fiat on-ramp and off-ramp API and widget that wallets and exchanges embed to let users buy and sell crypto.
Banxa pros and cons
- US state money transmitter licenses listed in a public document
- 0% processing fee on non-card payment methods (EU pricing)
- Sells to SEPA carry no processing fee (EU pricing)
- Spread can reach 15% on buys, on top of fees (EU pricing)
- Card and Apple Pay buys carry a 1.99% processing fee (EU pricing)
- Partners can add their own spread of up to 10%
Banxa FAQ
What is Banxa?
Banxa is a fiat-to-crypto payment provider that partners embed for buying and selling crypto. In the US it operates as BNXA USA MTL Inc., a FinCEN-registered MSB (NMLS ID 2347615) with state money transmitter licenses. Its EU pricing page lists a 1.99% processing fee for cards and Apple Pay plus a typical 2% to 4% spread.
How much does Banxa cost?
EU: cards and Apple Pay 1.99% processing fee, other methods 0%, plus typical 2% to 4% spread, according to Banxa’s own page (checked Sep 26, 2026).
Is Banxa available in the US?
Available via BNXA USA MTL Inc., FinCEN MSB with state money transmitter licenses, according to Banxa’s own page (checked Sep 26, 2026).
Does Banxa hold my funds?
Yes. Banxa is custodial: it holds the keys to your balance.
Sources
How this page works
Sources: Banxa: official site, Banxa: How EUIV sets the price of cryptocurrency, Banxa: USA licenses. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.