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Onramp Bitcoin vs Swan Bitcoin: Which is Best? [2025]

Onramp Bitcoin
Overall Rating
Swan Bitcoin
Overall Rating
Onramp Bitcoin logo Visit Onramp Bitcoin
Swan Bitcoin logo Visit Swan Bitcoin

Key differences

  1. Onramp offers tiered account-based fee discounts, Swan uses a flat rate.
  2. Swan supports mobile apps and recurring buys; Onramp does not.
  3. Onramp uses multi-institution custody with insurance; Swan emphasizes self-custody.
  4. Swan supports more states and U.S. territories than Onramp.


Onramp Bitcoin vs Swan Bitcoin Fees Calculator

Fee calculator estimates are based on our research & testing. Check the exchange website for most accurate fees.

We built this fee calculator to help you compare the fees of Onramp Bitcoin and Swan Bitcoin.

Enter the amount you want to buy and we'll show you the estimated fees for each exchange.



Onramp Bitcoin vs Swan Bitcoin in Comparison

Description

Onramp Bitcoin

Onramp offers a full-suite Bitcoin financial services platform. $50 per month in order to buy BTC, with 0.75% buying and selling fees.

Swan Bitcoin

Swan is a US-based Bitcoin-only exchange focused on making Bitcoin investing safe & simple.

Supported Countries

Onramp Bitcoin

United States (limited to certain states)

Swan Bitcoin

United States, Puerto Rico, Guam, Virgin Islands

Supported Cryptocurrencies

Onramp Bitcoin

BTC

Swan Bitcoin

Bitcoin-only

Fees

Onramp Bitcoin

  • Trading Fees (by account tier):
  • Onramp Trade: 0.75%
  • Onramp Standard: 0.65%
  • Onramp Private: 0.32%
  • Bank transfers: Free
  • On-chain BTC withdrawals: Not specified

No debit or credit card support at this time.

Swan Bitcoin

  • Purchasing Fees: 0.99% for all purchases and sales.
  • No inactivity, withdrawal, overdraft, custody, or fiat withdrawal fees.
  • IRA Fees: Small monthly fee

Payment Methods

Onramp Bitcoin

Bank TransferWireACH

Swan Bitcoin

ACH, Bank Account, Wire Transfer

Do These Exchanges Allow you To Earn Interest on Crypto?

Onramp Bitcoin

Swan Bitcoin

Mobile App Ratings

Onramp Bitcoin

iOS App: Not Available

Android App: Not Available

Swan Bitcoin

iOS Rating: 4.8 Official rating from the iOS App Store as of November 18, 2024.

Android Rating: 4.3 Official rating from the Android Play Store as of November 18, 2024.

Storage

Onramp Bitcoin

Bitcoin is held in secure multi-institution custody across Onramp, BitGo, and Coincover using a 2-of-3 multisig model with no single point of failure. Vaults are insured and monitored.

Swan Bitcoin

Swan encourages users to store their Bitcoin in cold storage. Swan does not charge its users any withdrawal fees.

Have These Exchanges Been Hacked Before?

Onramp Bitcoin

None reported

Swan Bitcoin

Swan Bitcoin was affected by a data breach at HubSpot in March 2022, which also impacted BlockFi, NYDIG, and Circle. The breach involved unauthorized access to user information stored in HubSpot, but internal systems and treasuries were not compromised. Additionally, in August 2022, Swan Bitcoin experienced a data leak due to a phishing attack on its newsletter provider, Klaviyo. This incident led to the exposure of email addresses and some user data, but no evidence of misuse has been found.

Official Site

Onramp Bitcoin

onrampbitcoin.com

Swan Bitcoin

swanbitcoin.com

Exchange Review

Onramp Bitcoin

No review available

"There is no safer custody model for Bitcoin, or frankly any other asset, than Multi-Institution Custody, now with insurance, brought to you by @OnrampBitcoin"
- Real user review from iOS App Store, Android Play Store or Trustpilot

Swan Bitcoin

No review available

"Stackin' sats with Swan! With Swan you can stack your precious sats and withdraw on a schedule to your cold storage. Swan is about education for its customers and offers a wide variety of articles, podcasts etc in the app. Dashboard allows you to view your total bought, current balance, available sats to withdraw, a smash buy button etc."
- Real user review from iOS App Store, Android Play Store or Trustpilot

Onramp Bitcoin vs Swan Bitcoin Comparison

Fee Structures

Onramp Bitcoin uses a tiered fee structure based on account type:

  • Onramp Trade: 0.75%
  • Onramp Standard: 0.65%
  • Onramp Private: 0.32%
Onramp charges a $50 per month platform fee.

Swan Bitcoin uses a flat 0.99% fee for all purchases and sales. Swan has no inactivity, withdrawal, overdraft, or custody fees. There is a small monthly fee for IRA accounts.

Feature Set

Onramp Bitcoin provides Bitcoin custody using a 2-of-3 multisig with BitGo and Coincover, fully insured and monitored. It does not support recurring purchases or mobile apps.

Swan Bitcoin supports automatic recurring Bitcoin buys (DCA), mobile apps for iOS and Android, and promotes self-custody with tools for scheduled withdrawals to cold storage. Swan also offers an IRA product for Bitcoin retirement investing.

Geographic Availability

Onramp Bitcoin operates in the United States but is limited to select states.

Swan Bitcoin is available in most U.S. states and territories, including Puerto Rico, Guam, and the U.S. Virgin Islands.

Security Features

Onramp Bitcoin uses multi-institution custody across Onramp, BitGo, and Coincover using a 2-of-3 multisig model with no single point of failure. Vaults are insured and monitored.

Swan Bitcoin encourages users to store their Bitcoin in cold storage and does not charge withdrawal fees. Swan connects users to licensed custodians Bakkt, BitGo, and Equity Trust.

Payment Methods

Onramp Bitcoin supports Bank Transfer, Wire, and ACH.

Swan Bitcoin supports ACH and Wire Transfers.

Customer Support

Onramp Bitcoin provides limited support information.

Swan Bitcoin offers human support and extensive education resources.

Additional Features

Onramp Bitcoin offers insured custody and account tiers.

Swan Bitcoin provides auto-DCA, Bitcoin IRAs, mobile apps, and educational resources.