Frequently asked questions
Everything the site answers, in one place. If yours is not here, a person reads support@rampy.money.
Getting started
What Rampy is and what it does with your money.
- What is Rampy?
- A way to move money between an ordinary bank account and stablecoins. You can buy stablecoins with a bank transfer, sell them back to your bank, swap between stablecoins and networks, or open a deposit account whose incoming payments convert automatically.
- Is Rampy custodial?
- No. Stablecoins are sent to a wallet address you control, and money is paid out to the bank account you choose — yours, or somebody you are paying. Rampy is designed so that customer assets are not held by Rampy.
- Why do I need to verify my identity?
- Because money is moving between a regulated banking rail and a blockchain, and the rules that apply to that require it. Verification runs once, through our payments partner, and covers every product.
Buying, selling and swapping
The three things you place an order for.
- How does Buy work?
- You choose an amount, a network and an asset, and we show the fee and the estimate before you confirm. You then make one bank transfer for that exact amount, including the reference we give you, and the stablecoins reach your wallet. Orders start at 100 GBP and are open in GBP for now — a deposit account takes dollars and euros too.
- How does Sell work?
- You choose an amount and the bank account to be paid, then send the stablecoins to the deposit address we show. Who can be paid: Your own account, in the name you are verified under, or somebody else's — a person or a business you are paying. For somebody else's, you give their name and address when you add the account, and each payment to them has a limit, lower while the account is new; the app shows it before you pay. In the UK and the euro area the receiving bank also checks the holder's name against its own records, so give it exactly as the bank has it.
- How does Swap work?
- A swap moves between stablecoins, between networks, or both, with no bank involved. Swaps start at 20 and are priced at 0.5% of the amount, with no flat fee.
Deposit accounts and auto-convert
The two that keep working without you placing anything.
- What is a deposit account?
- Permanent bank details in your own name, in USD, EUR or GBP. Anything paid into them is converted and sent to your wallet without you placing an order, which suits money that arrives on a schedule you do not control. Priced at 1.99% with no flat fee. We suggest payments of 100 or more; smaller ones still convert, though our partner's own minimums can apply. An account with no payment for 60 days closes, after an email at least 14 days before; reopening keeps the same details.
Fees and limits
What it costs and what the floors and ceilings are.
- What fees does Rampy charge?
- A buy or a sell is 1.99% + 1.99 below 500, then 0.99% + 1.99 from 500 of the amount you send — pounds on a buy, the stablecoin on a sell. A swap is 0.5% of the amount, with no flat fee. A deposit account or an auto-convert address is 1.99% with no flat fee, which is cheaper than an order below about 500 and dearer above it. The pricing page shows the figures by amount.
- What exactly am I charged?
- A buy or a sell is 1.99% + 1.99 below 500, then 0.99% + 1.99 from 500, charged in what you send: pounds on a buy, the stablecoin on a sell. From 500 the lower rate applies to the whole order, so an order just under it costs more than one at it. A payout by US wire carries an extra 10, our partner's charge per wire, passed on at cost. A swap is 0.5% of the amount, with no flat fee, charged in the asset you send. A deposit account and an auto-convert address are 1.99% with no flat fee, because no amount is agreed in advance. Whatever applies is shown in full on the order preview before you confirm, and it is deducted from the amount converted. Charges from your own bank are separate. On a sell or swap the wallet you send from pays the network's own fee, except from your Rampy wallet on Ethereum (sends of 100 or more), Base, Polygon, Arbitrum, Optimism and Solana, where Rampy pays it. There are no hidden charges and no subscription.
- How long does a transaction take?
- Crypto legs usually confirm in seconds to minutes depending on the network. Fiat depends on the rail: a domestic wire is often same day, ACH typically one to three business days, SEPA same or next day, and UK Faster Payments usually within minutes. Your transaction page shows live status the whole way.
- Is there a minimum amount?
- Yes, in what you send. A buy starts at 100 GBP; a sell at 100 of the stablecoin you send, whatever the payout currency; a swap at 20 of the stablecoin you send. A deposit account or an auto-convert address has no order to refuse, so its 100 is a suggestion. Individual routes carry their own minimums on top, which our partner applies to what is left after fees, and the order preview tells you before you commit. Amounts sent below a network minimum may not be credited or returned, because moving them costs more than they are worth.
- Is there an upper limit?
- Nothing we set. Our payment partner applies its own limits per customer and per rail, based on what your verification supports, and an order above one is refused at the point you place it rather than after you have sent money.
Currencies, coins and countries
What is supported, and how that is decided.
- Which currencies are supported?
- Payouts go to USD, EUR, GBP, BRL and MXN. Deposit accounts take USD, EUR and GBP, and one-off buys are open in GBP; reais and pesos are payout-only. Which you can use also depends on the country your account is verified in.
- Which stablecoins are supported?
- USDC, USDT, EURC, PYUSD, across 9 networks. Not every asset runs on every network, and the app only ever offers the combinations our partner actually routes.
- Which countries are supported?
- Availability varies by country, by product and by payment method, and is decided by our payments partner during verification rather than by us. The rails we run and the countries each one banks in are listed on the availability page. If a rail is not available to you, the app will not offer it.
- Can I get paid in Brazilian reais or Mexican pesos?
- Yes, as payouts, for customers from Brazil and Mexico: sell stablecoins, or use an auto-convert address, into a Brazilian account by Pix or a Mexican account by SPEI. Turn your country on under Verification first — Brazil asks for a phone number and your CPF; Mexico is approved from your existing verification. Customers from other countries do not see these two.
- Can I buy with reais or pesos, or open a BRL or MXN deposit account?
- No. Reais and pesos are payout-only on Rampy. Buying and deposit accounts are in the currencies listed on the Buy page and under Get paid.
When something goes wrong
The four things people write to us about most.
- I sent a bank transfer but nothing happened.
- The most common cause is a missing or altered reference. Every order has a unique reference that must appear in the wire memo, ACH description, SEPA reference or Faster Payments reference, otherwise the payment cannot be matched to your order. Contact support with your order ID and the date you sent it and we will trace it.
- I sent funds to the wrong address or network.
- Blockchain transactions are final. Assets sent to an incorrect address, or on a network the destination does not support, are generally unrecoverable by anyone, including us. Always check the address and the network before confirming.
- My verification was rejected. What now?
- The most common causes are a blurry document photo or a tax identification number that does not match records. Email compliance with your account email and we will tell you what the provider flagged, as far as we are permitted to.
- An order came back or failed. Why?
- The order page carries the reason our payment partner gave, where it gave one, and we email you when it happens. Most returns are the destination account rejecting the payment — a closed account, a name that does not match, or a rail that does not accept the payment type.
- What happens if something goes wrong with an order?
- Orders carry return instructions, so an order that cannot complete is sent back to where it came from rather than getting stuck. Every order has a status page, and you can report a problem on it.
Still stuck?
Support, compliance and complaints each have their own address, and a person reads all three.