MoonPay review 2026 — features, fees, safety, and real user complaints about the crypto buying app. See if MoonPay is worth using before you sign up.
You might have encountered MoonPay in your quest to learn how to buy Bitcoin fast or crypto app for beginners. It appears as a payment method within some wallets such as Trust Wallet, MetaMask, and Ledger — but does it make sense to have the standalone MoonPay app?
MoonPay’s Google Play listing reveals the details of the app: what it can do, how much it is worth and what users are complaining about, both as a product of the app itself and the Google Play listing.
In short, MoonPay is a popular and safe-on-the-market crypto on-ramp application that has been downloaded by more than 1 million customers and also has a 4.4-star score from 14,300+ reviews.To put it simply, MoonPay is a reliable and popular crypto on-ramp application downloaded by over 1 million individuals and also has a 4.4-star rating from 14,300+ downloads. Easy to use when it comes to purchasing crypto with a card or Google Pay, but the fees can add up quickly on swaps, and sometimes identity verification can be a pain point for some users.
What Is MoonPay?
MoonPay is a crypto payments application that enables you to purchase, sell, and trade cryptocurrency with traditional payment methods, which includes debit and credit playing cards, Google Pay, Apple Pay, PayPal, Venmo, and bank transfers. It has been developed by EIGHTEENTH SEPTEMBER LIMITED, is active in 180+ countries and supports more than 170 cryptocurrencies, such as Bitcoin (BTC), Solana (SOL), Ethereum (ETH), and XRP.
While a crypto exchange acts as the middleman between your bank card and your crypto wallet, MoonPay takes the role of the “on-ramp” in between.Whereas a crypto exchange is the middle man between your bank card and your crypto wallet, MoonPay is the “on-ramp” in between. It also supports a variety of third-party wallets, and a significant number of users opt to use MoonPay without even opening the wallet app.
MoonPay App Features
Buy and Sell Crypto
- You can buy crypto as low as $20.
- Schedule recurring or automatic purchases (e.g. buy Bitcoin by the dollar)
- A new MoonPay Balance feature allows making transactions with no fees when loading funds.
- Chat, email or phone support (phone support is available in the US only)
- All Encryption Wallets Viewed as One.
The application allows you to view all the crypto that you have on other wallets, such as Coinbase, Phantom, and MetaMask, in one place, as well as your purchase history from MoonPay.
Swaps
MoonPay claims cross-chain swaps between over 2,000 crypto trading pairs are available for free via WalletConnect. But in the real world, users share that “zero fee” doesn’t always mean “no fee” (more on that below).
Payment Methods
- Debit and credit cards (Visa, Mastercard)
- Pay with Apple or Google.
- PayPal and Venmo
- Local payment options based on your country and bank transfers.
The actual cost of MoonPay fees.
MoonPay doesn’t offer a single fixed fee, it varies based on the method of payment, the crypto pair, and the network you are sending from to. But as per user reports and what the application claims itself to be, here are some things you can anticipate:
| Fee Type | What Triggers It | User-Reported Experience |
|---|---|---|
| Purchase fee | Buying crypto with card/wallet | Standard on-ramp fee, varies by payment method |
| Swap fee | Converting one crypto to another | Marketed as “zero-fee,” but network gas fees still apply |
| Network/gas fee | Sending crypto on-chain | Paid separately, sometimes in a coin you don’t already hold |
| Card decline / re-verification | Updating an expired or reissued card | No easy way to update card details in-app, per user reports |
Pro Tip: When swapping into a token that needs a gas paid in a different coin (e.g. SOL to pay a gas fee on the Solana network), purchase a small amount of the gas coin before the swap (otherwise the “zero-fee” swap may stall).
One of the confirmed reviews stated that they paid a token fee to purchase a token, an additional fee to send the token, and then they had to keep another cryptocurrency just to cover the network fee, and that is fees on top of fees compared to the free instant bank transfers they could obtain in their country.
Is MoonPay Safe?
App is fairly safe.According to the Play Store data safety disclosure, the MoonPay: app is fairly safe.
- Protects data while it is being transferred
- Provides an option to request the removal of data
- Discloses personally identifiable information and financial details to third parties (required for apps that are KYC compliant)
- Gathers personal data, financial data and a few other types of data
This is a typical amount of data collection for a regulated financial app that is required to verify identity; MoonPay is no exception here. The app is rated 3+ and has enough volume to get integrated into big wallets such as MetaMask, Trust Wallet, and the Ledger wallets which conduct their own vendor vetting before incorporating a payment partner.
However, “safe” and “smooth” are not synonymous. A number of users also say that the identity verification process has tightened over time and one recent reviewer shared an experience with an authentic replacement card being rejected as the app could not accept another card with the same number but a new expiry date and they had to inform customer service about this.
MoonPay Pros and Cons
Pros:
- The lowest barrier to entry in order to buy crypto is $20.
- Supports over 40 different blockchains and 170 different cryptocurrencies.
- Various payment methods like PayPal and Venmo (which is not as prevalent with crypto apps, but is still available).
- Trusted – used in MetaMask, Trust Wallet, Ledger, and Phantom!
- You can buy and hold stocks automatically recurring purchase option.
Cons:
- While they claim to be “zero-fee,” swap fees aren’t quite “zero-fee” when gas fees are added in.
- Reported problems with card being reissued with the same number and re-verified by card reader/writer.
- The problem with switching between fiat and crypto input is that users often have complaints about it, particularly for small amounts.
- Phone support only available in the USA.
- The data in the portfolio/performance tracker is said to be lost when logging off and back on, according to user reports.
To trade cryptocurrencies on MoonPay.
you should follow these steps:
- Use the Google Play app to download MoonPay.
- Choose your cryptocurrency and amount (the minimum amount is $20).
- Use the relevant wallet address that is compatible with your selected blockchain.
- Complete identity verification if it’s your first purchase
- Verify and finalise the sale
Frequently Asked Questions
Is MoonPay legit?
Yes. More than 1 million downloads of the MoonPay app have been recorded and it has been utilized in leading wallets including MetaMask, Trust Wallet and even Ledger.Over 1,000,000 downloads of MoonPay’s app have been made and it has been implemented by leading wallets such as MetaMask, Trust Wallet, and even Ledger. As of August 2026, it has received 14,000+ Play Store reviews, with a 4.4-star rating.
What are MoonPay’s fees?
MoonPay has a purchase fee based on the payment method, as well as a network/gas fee for on-chain transactions. The argument for the swaps is that there are no fees, but users still have to pay to the network in their own blockchain, so the costs can mount up.
What is the lowest amount of money that can be used on MoonPay?
Purchasing crypto on MoonPay can begin at as low as USD 20, contingent upon the cryptocurrency and installment method utilized.
Is MoonPay supported by MetaMask and Trust wallet?
Yes. You can buy crypto and send it directly to the wallet you choose, and MoonPay seamlessly integrates with a variety of wallets such as MetaMask, Trust Wallet, Ledger and Phantom.
Conclusion
MoonPay is a decent and well-known platform for those seeking an easy and quick method to purchase cryptocurrencies utilizing their banking card, Google Pay, or PayPal, particularly in the event that they are currently utilizing a wallet that MoonPay supports. The problem is that it lacks transparency on fees for swaps, and some rough edges around verification on card — both things to be aware of before you can load your first card.
If you’re new to crypto, choose small amounts ($20-$50) and see how much you’re really paying in fees on your first transaction, and then assess the viability of using MoonPay the way you’re thinking of using it.
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