# ChainATM vs Transak

> Transak is a fiat-to-crypto onramp and offramp embedded in wallets and dApps, covering a wide range of countries, chains and payment methods.

## Side-by-side

| | ChainATM | Transak |
|---|---|---|
| Website | https://www.chain-atm.com | transak.com |
| Category | AI-powered crypto wallet (chat + voice) | onramp |
| Fees | 1 credit per tx (0% on USDC and EURC) | A percentage per transaction that varies by payment method and region |
| Interface | AI chat (voice + text) | Widget-based checkout flow embedded in partner apps |
| Custody | Non-custodial (self-custody wallet) | Non-custodial (delivers to your wallet) |
| AI commands | Yes | No |
| Voice commands | Yes (iOS) | No |
| Fiat onramp | Yes (Coinbase) | Yes |

## Transak strengths

- Very wide country and chain coverage
- Offramp as well as onramp
- Embedded in many wallets and dApps
- Broad payment method support

## Transak weaknesses

- Percentage fee on every purchase
- No AI or voice commands
- Widget only, no standalone app experience
- No swap or send functionality
- No cross-chain

## Why choose ChainATM over Transak

- AI chat interface instead of widget-based checkout flow embedded in partner apps
- Buy + swap + send in one app (Transak only handles fiat-to-crypto)
- 0% fees on USDC and EURC: Transak charges up to 4.5%
- Voice commands on iOS

## Common questions

### Is Transak or ChainATM better for buying and sending crypto?

It depends on which part you do most. Pick Transak if what your use case turns on is what it is strongest at: Very wide country and chain coverage; Offramp as well as onramp. ChainATM is the better choice if you want to buy, swap and send from one conversation instead of three separate flows, and it charges 0% ChainATM fees on USDC and EURC. ChainATM is non-custodial throughout: it never holds your funds, and purchases are executed by Coinbase straight into a wallet you control.

### What does Transak cost compared to ChainATM?

Transak: A percentage per transaction that varies by payment method and region. ChainATM: 1 credit per transaction, from EUR 0.099 per credit, and 0% ChainATM fees on purchases of USDC and EURC. Other tokens use standard Coinbase on-ramp pricing. Network gas fees apply on both sides and go to the blockchain, not to the provider.

### Can I use Transak and ChainATM together?

Yes. ChainATM is self-custody and does not require you to move away from Transak. Many people keep Transak and use ChainATM for the parts that are awkward elsewhere: cross-chain swaps in a single command, or fee-free USDC and EURC purchases.

### Does ChainATM hold my crypto like Transak does?

No. Neither product holds your crypto: Transak and ChainATM are both self-custody. The difference is the interface, not the custody model. ChainATM is driven by plain-language text or voice rather than by forms, and we never have access to your keys in usable form.

### Is ChainATM available in my country?

Availability depends on our on-ramp partners' supported regions. ChainATM is built by Noctra Labs UG (haftungsbeschränkt) in Trier, Germany, registered at Amtsgericht Wittlich under HRB 48033. The fiat on-ramp runs through Coinbase, with EUR purchases by SEPA, card and Apple Pay.

## Related

- [All comparisons](https://www.chain-atm.com/compare.md)
- [Buy crypto](https://www.chain-atm.com/buy.md)
- [Pricing](https://www.chain-atm.com/pricing.md)
- [Auf Deutsch lesen](https://www.chain-atm.com/vergleich/transak.md)