MoonPay Fees: 4.5 Percent Plus a Hidden Spread

The information provided in this article is for informational purposes only and does not constitute financial advice. Investing in cryptocurrencies carries a high level of risk.

When you tap “Buy” inside a crypto wallet, in many cases you are not buying from the wallet at all. You are buying from MoonPay. The service is built into a large number of applications as a buy button, which is exactly why most users never see a price list before they pay.

One exists, and it is public. The MoonPay Europe Pricing Disclosure applies to customers in the European Economic Area and puts numbers on the page. The most important one first: up to 4.5 percent on card payments, up to 1 percent on bank transfers, and a minimum of €3.99 if your amount falls below a certain threshold.

That is only the first of four layers. This article is an assessment rather than a news report. All figures come from MoonPay’s own price list, retrieved on September 5, 2026, and from the MiCA register kept by the European securities regulator ESMA. Sources are written out at the end.

What MoonPay is, and why you may never have read the name

MoonPay is what the industry calls an on-ramp and off-ramp: a service that exchanges euros for crypto assets and back again. It rarely appears under its own name. It sits embedded in someone else’s interface instead. Wallet providers and platforms integrate it so their users can buy without the detour of an exchange. The company itself claims a presence in more than 160 countries and more than 300 integrated applications.