Transak scores 11 points above MoonPay, led by purchase cost, quote honesty, and KYC and speed. Transak ranks #1 and MoonPay #3 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Transak81
vs
MoonPay70
Scores are out of 100; published scores fall within 41–99 · ranks #1 and #3 of 16
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.1
Reproduced gap+10.9
Published gapAfter score rounding and bounds — see the note below8170+11.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
TransakScore 81The most disclosed onramp in the pool — full per-rail fee schedule with minimum floors plus a separately stated spread over CoinGecko of 0% to 2.5% depending on volatility (a flat 2.5% in August; read 2026-09-28) — whose own help centre admits the settled amount floats to the settlement-time rate on bank rails, and whose otherwise numbered five-jurisdiction licence stack has a conspicuous MiCA-shaped hole.Strength: All in purchase cost — 7/10Watch-out: The number on the confirm button is not the number that settles: the quote is 'valid only for a short period — generally between 5 and 10 seconds', settlement on bank rails happens at the 'Market Price (at time of bank transfer settlement)', and standard SEPA 'May take up to 3-5 Working Days' — so the buyer wears up to five days of market move, and with a spread of 0% to 2.5% over CoinGecko on top of the 0.99% fee the cheap bank rail lands anywhere from roughly 1% to 3.5% all-in (fee article read 2026-09-28) — though that day Transak's coverage page and countries API listed no EU state and its fiat API offered EUR with no SEPA option.MoonPayScore 70Highest-distribution consumer/embedded fiat-to-crypto rail with the pool's deepest numbered licence stack — but an 'up to 4.5%' card fee cap plus an unquantified spread means the €200 all-in is only knowable inside the widget.Strength: Licence identity — 9/10Watch-out: Every published rate is an 'up to' cap and the spread is acknowledged but never quantified against any benchmark — so the true all-in cost of a €200 card purchase (fee cap alone €9.00) is only discoverable inside the widget at quote time, and once accepted, 'All Orders are final and cannot be refunded.'
Quick facts
At a glance
1 of 3 rows read the same for both.
FactTransakMoonPay
PricingSnapshotTransak help-centre article "How does Transak calculate prices and fees?" (https://support.transak.com/en/articles/7845942-how-does-transak-calculate-prices-and-fees), fetched 28 September 2026, HTTP 200 ("Updated over 3 weeks ago"). On-ramp fees: SEPA Transfer "0.99% of transaction amount, minimum 1 EUR"; Credit / Debit Card (EUR) "3.5% of transaction amount + 1 EUR"; Credit / Debit Card (non-EUR) "5.5% of transaction amount + 1 EUR"; Apple Pay / Google Pay (EUR) "3.5% of transaction amount, minimum 1 EUR", (non-EUR) "5.5% of transaction amount, minimum 1 EUR". Rate: "The quoted rate reflects the rate provided via the publicly available market pricing tool CoinGecko at the time of the transaction, plus a spread of 0% to 2.5%, depending on how volatile the currency is at the time." (on 18 August 2026 the same sentence read "plus a spread of 2.5%"). Third-party fees (gas, validator, liquidity) are separate and "displayed before you confirm your transaction". Worked example (our arithmetic, not a Transak figure): a EUR 200 purchase by SEPA = EUR 1.98 fee plus a spread of 0 to 2.5 percent over CoinGecko, an all-in of roughly 1 to 3.5 percent plus network fees; by EUR card = EUR 8.00 fee plus the same spread, roughly 4 to 6.5 percent. A second, USD-denominated on-ramp fee table on transak.com/fees-pricing-calculation (linked as "Pricing & Fees" from the compliance page) prices cards and bank transfers differently and does not say which jurisdiction it applies to.MoonPay "Pricing Disclosure" for MoonPay Europe B.V. (https://www.moonpay.com/legal/europe_pricing_disclosure), fetched 29 September 2026, HTTP 200. MoonPay fee, buy side: Payment Cards & Alternative Payment Methods "Up to 4.5%"; Bank Transfers "Up to 1%"; PayPal "Up to 4.5%". Minimum: "A minimum MoonPay fee of €3.99 will be applied if your transaction amount is below a minimum threshold." Direct access: "If you access the MoonPay platform directly, the MoonPay fee will be in an amount between 0% and 5%." Partner-referred: "If you were referred to the MoonPay platform by a partner, your MoonPay fee will be in an amount up to 4.5%, subject to a minimum MoonPay fee that will never be more than €/£/$4.50." Partner ecosystem fee: "This ecosystem fee is set by each partner and may not exceed 10% but is typically between 0% and 2%." Spread: "For MoonPay Rails services, MoonPay Europe may include a spread in the asset price shown to you during your transaction." with no percentage; the base price comes from "reputable, independent third parties every 10 seconds", none named. Network fee: "The network fee covers the costs associated with the transfer of a Crypto-Asset and may vary depending on a number of factors, such as network congestion and operational costs." Worked example (our arithmetic, not a MoonPay figure): a EUR 200 card purchase carries a MoonPay fee of up to EUR 9.00 (4.5 percent cap); by bank transfer up to EUR 2.00 (1 percent cap), or the EUR 3.99 minimum if EUR 200 is below the unstated threshold; each before the unquantified spread, the network fee and any partner ecosystem fee. The "small conversion fee" sentence quoted in the 18 August 2026 note belongs to the page's virtual-account section, not to the onramp.
Asset coverageEditorial——
Region fitSnapshotus, europe, caglobal
From the published criteria
Which should you pick?
Transak
81#1 of 16
Leads
Pick it when
Pick Transak if purchase cost matters most — it scores 7/10 to MoonPay's 6/10 there (weight 34).
Strength
All in purchase cost — 7/10
Tradeoff
The number on the confirm button is not the number that settles: the quote is 'valid only for a short period — generally between 5 and 10 seconds', settlement on bank rails happens at the 'Market Price (at time of bank transfer settlement)', and standard SEPA 'May take up to 3-5 Working Days' — so the buyer wears up to five days of market move, and with a spread of 0% to 2.5% over CoinGecko on top of the 0.99% fee the cheap bank rail lands anywhere from roughly 1% to 3.5% all-in (fee article read 2026-09-28) — though that day Transak's coverage page and countries API listed no EU state and its fiat API offered EUR with no SEPA option.
MoonPay
70#3 of 16
Pick it when
Pick MoonPay if named licence matters most — it scores 9/10 to Transak's 6/10 there (weight 22).
Strength
Licence identity — 9/10
Tradeoff
Every published rate is an 'up to' cap and the spread is acknowledged but never quantified against any benchmark — so the true all-in cost of a €200 card purchase (fee cap alone €9.00) is only discoverable inside the widget at quote time, and once accepted, 'All Orders are final and cannot be refunded.'
Self-identify in 10 seconds
Which one is actually for you?
TransakLeads
Choose Transak if purchase cost matters most
Purchase cost: 7/10 against 6/10 for MoonPay (weight 34)
Quote honesty: 6/10 against 5/10 for MoonPay (weight 26)
KYC and speed: 7/10 against 5/10 for MoonPay (weight 18)
TransakScore 81The most disclosed onramp in the pool — full per-rail fee schedule with minimum floors plus a separately stated spread over CoinGecko of 0% to 2.5% depending on volatility (a flat 2.5% in August; read 2026-09-28) — whose own help centre admits the settled amount floats to the settlement-time rate on bank rails, and whose otherwise numbered five-jurisdiction licence stack has a conspicuous MiCA-shaped hole.Strength: All in purchase cost — 7/10Watch-out: The number on the confirm button is not the number that settles: the quote is 'valid only for a short period — generally between 5 and 10 seconds', settlement on bank rails happens at the 'Market Price (at time of bank transfer settlement)', and standard SEPA 'May take up to 3-5 Working Days' — so the buyer wears up to five days of market move, and with a spread of 0% to 2.5% over CoinGecko on top of the 0.99% fee the cheap bank rail lands anywhere from roughly 1% to 3.5% all-in (fee article read 2026-09-28) — though that day Transak's coverage page and countries API listed no EU state and its fiat API offered EUR with no SEPA option.
MoonPay
Choose MoonPay if named licence matters most
Named licence: 9/10 against 6/10 for Transak (weight 22)
MoonPayScore 70Highest-distribution consumer/embedded fiat-to-crypto rail with the pool's deepest numbered licence stack — but an 'up to 4.5%' card fee cap plus an unquantified spread means the €200 all-in is only knowable inside the widget.Strength: Licence identity — 9/10Watch-out: Every published rate is an 'up to' cap and the spread is acknowledged but never quantified against any benchmark — so the true all-in cost of a €200 card purchase (fee cap alone €9.00) is only discoverable inside the widget at quote time, and once accepted, 'All Orders are final and cannot be refunded.'
Criterion by criterion
Scorecard
Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology
Purchase cost
by 1 of 10weight 8.2 of 86Transak leads
Transak7/10 out of 10
MoonPay6/10 out of 10
Quote honesty
by 1 of 10weight 6.2 of 86Transak leads
Transak6/10 out of 10
MoonPay5/10 out of 10
Named licence
by 3 of 10weight 5.3 of 86MoonPay leads
Transak6/10 out of 10
MoonPay9/10 out of 10
KYC and speed
by 2 of 10weight 4.3 of 86Transak leads
Transak7/10 out of 10
MoonPay5/10 out of 10
Score dimensions
weights sum to 86
The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.
Availabilityweight 20 of 86
Transak12/20MoonPay14/20
MoonPay leads
Published criteriaweight 30 of 86
Transak15.6/30MoonPay14.9/30
Transak leads
Frictionweight 10 of 86 · constant here
Transak2.7/10MoonPay2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Transak3.2/8MoonPay3.2/8
Tie
Measured dataweight 18 of 86
Transak13.8/18MoonPay8.3/18
Transak leads
Decision rulePublished order
Choose Transak unless the term MoonPay leads on is the one you are buying.
Pick MoonPay if named licence matters most — it scores 9/10 to Transak's 6/10 there (weight 22).
The published order weighs every criterion the same way for everyone. To weigh them your way, run .
From the published order
Next best action
If this isn't your case
Other matchups worth comparing
How you can lose money here, and what the ranking scores
Regulatory failure: no licence where you are, or a forced market exit.
Scored by Whose money-transmission licence is my money riding — and is that entity my counterparty? · 22% (Transak 6/10, MoonPay 9/10)
Execution failure: you get a worse price, later, or nothing.
Scored by Is the number on the widget the number that settles? · 26% (Transak 6/10, MoonPay 5/10)
Information failure: the number is wrong or bought, or your data leaks.
Scored by How much identity do I surrender before the coins land in my wallet, and how long does that take? · 18% (Transak 7/10, MoonPay 5/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Exit failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: What does a €200 purchase actually cost me — by card and by bank, all-in? (34%).
Questions
Frequently asked questions
Transak scores 11 points above MoonPay, led by purchase cost, quote honesty, and KYC and speed. Published scores, out of 100: Transak 81 (rank 1 of 16 onramps), MoonPay 70 (rank 3 of 16).
Reviewed means both products compared here 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.
Answer a few quick questions and get one clear recommendation based on how you actually plan to use crypto — with rationale, tradeoffs, and a path to monitor the decision.
No signup·Free first pass · Private·No spam · No account
Not financial advice · Independent · Always do your own research
Not financial advice · For informational purposes only · Always do your own research
