The short story
A mainstream fiat onramp for buying crypto through a purchase and wallet-funding flow. Listed, not ranked right now: its own terms bar automated reading, so we have not read it in full.
MoonPay review
Mainstream fiat onramp, listed and not ranked right now
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
What changed: Not ranked right now: we read MoonPay again only by hand or with its permission. Its fit is mainstream purchase clarity and broad wallet familiarity.
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Review story
Why this provider can still be the right call
When to step back
Users who care more about deeper embedded-control options or a more infrastructure-led onramp relationship than the clearest consumer default.
Before you act
The few things worth checking before you trust this as your answer
Before you act
Verify supported payment methods, regional availability, fees, and the exact wallet or app flow before funding materially.
What changed
Not ranked right now: we read MoonPay again only by hand or with its permission. Its fit is mainstream purchase clarity and broad wallet familiarity.
Choose something else if
Look at the other onramps we rank if wallet-native embedded flows and a more product-led funding experience matter more than the broadest mainstream recognition.
Onramps are reviewed on the all-in cost of a €200 purchase by card and by bank (34%), whether the number on the widget is the number that settles (26%), whose money-transmission licence your money is riding and whether that entity is your counterparty (22%), and how much identity you surrender before the coins land in your wallet and how long that takes (18%). Cost leads because the unit is a concrete purchase, rebuilt to one all-in number per rail from the provider's own dated schedule: processing fee, payment-method surcharge, the quoted rate's spread over a named benchmark, network-fee pass-through and fixed rail minimums. Silence scores at the bottom even when sampled quotes look fair.
Continue the decision
Use this review to move, not just read
Review pages should validate the call, then send the visitor back into the strongest next decision path.
What is a fiat onramp in crypto?
A fiat onramp is a tool that moves money from traditional payment methods into crypto, often inside a wallet, app, or embedded flow rather than through a full exchange experience.
When do I need an onramp instead of an exchange?
You need an onramp when the main problem is moving fiat into crypto through a specific funding rail or embedded product flow rather than choosing a broad crypto platform.
What matters most when choosing a crypto onramp?
The ranking weighs what a €200 purchase actually costs all-in, by card and by bank (34%), whether the number on the widget is the number that settles (26%), whose money-transmission licence your money rides on and whether that entity is your counterparty (22%), and how much identity you surrender, and for how long, before the coins land (18%).
Related reviews
Other fiat onramps reviewed the same way
Practical facts, not scored
Read from the provider's own pages and Apple's App Store on the dates shown. None of this moves its score or its place in any ranking.
- Who serves you in the EU
- Under MiCA: MoonPay Europe B.V. (Netherlands, authorised by Netherlands Authority for the Financial Markets (AFM) on 30 December 2024, LEI 254900KXWAZ3B1340G26), per ESMA's register and GLEIF read 29 October 2026. No ultimate parent is reported to GLEIF (NO_LEI); the EU entities' legal address is NL, which is where the serving entity sits, not where the group does. https://
search .gleif .org / # /record /254900 KXWAZ3 B1340G 26 - Help and support
- Its help centre is published in German, English, French (read 29 October 2026). It names no live chat, phone or e-mail channel on the pages read. https://
support .moonpay .com /en / - Accessibility
- No accessibility statement was found on its homepage or at the usual addresses on 29 October 2026. That is a statement about those pages, not proof that none exists.
If something goes wrong with MoonPay: where to complain, and where to report a scam
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How we review
Recommendation logic is based on fit and tradeoffs before commercial value.
Provider conditions can change after review, so direct verification is still required.
Comparison remains available when the choice is close or context changes.
Referral relationships may exist for some providers, but they do not replace the review standard above. Provider links may include referral attribution when you choose to continue.
Not financial advice · For informational purposes only · Always do your own research