MoonPay vs Bitpanda: Which is Best? [2026]
Key differences
Bitpanda vs MoonPay in Comparison
Description
Crypto exchange based in the EU.
Simple app to buy Bitcoin with your bank or debit card. Works in most countries but has very high fees.
Supported Countries
Available in over 40 countries across Europe including Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland and more. Temporarily unavailable in UK.
Available in 160+ countries. Regulated globally with licenses in major jurisdictions including UK, US, EU, Canada, and Australia.
Supported Cryptocurrencies
Over 120 cryptocurrencies supported including BTC, ETH, DASH, LTC, BCH, XRP and various tokens (ERC20, BEP20, TRC20). Also offers trading in stocks, ETFs, commodities and precious metals.
160+ cryptocurrencies including BTC, ETH, USDC, USDT, DAI and many more
Fees
- Trading Premiums:
- Bitcoin Buy/Sell: 0.99%
- Trade Fee Range: 0.00% - 2.49%
- SEPA Deposits: Free
- SEPA Withdrawals: Free
- Fiat Deposits: Free
- BTC Network Fees: Vary
Staking:- Up to 30% APY on 54+ coins
- No lock-in periods
- Weekly rewards (Tuesdays)
- Auto-compounding available
- Deposit Fees:
- Bank Transfer: 1%
- Credit/Debit Card: 4.5%
- Apple Pay/Google Pay: 4.5%
- PayPal: 4.5%
- MoonPay Balance: 0%
- Withdrawal Fees:
- Bank Transfer: 1%
- PayPal: 3.4%
- BTC: Network fees apply
Payment Methods
iDEAL, SEPA, Bank Account, Credit Card, Debit Card, giropay, EPS, SOFORT, Skrill, NETELLER, Google Pay
Bank Account, Credit Card, Debit Card, Apple Pay, Google Pay, PayPal
Do These Exchanges Allow you To Earn Interest on Crypto?
Up to 30%
Earn staking rewards on 54+ cryptocurrencies with up to 30% APY. No lock-in periods, weekly rewards paid on Tuesdays, auto-compounding available. Staking fees deducted before rewards distribution. Minimum EUR 1.00 staked to receive rewards.
Mobile App Ratings
iOS Rating: 4.7 Official rating from the iOS App Store as of November 18, 2024.
Android Rating: 3.5 Official rating from the Android Play Store as of November 18, 2024.
iOS Rating: 4.2 Official rating from the iOS App Store as of November 18, 2024.
Android Rating: 4.0 Official rating from the Android Play Store as of November 18, 2024.
Storage
Comprehensive security measures including SOC 2 Type 1 certification, secure password hashing with no decryption possible, multi-factor authentication (MFA), account freeze capabilities, session management across devices, account activity monitoring, phishing domain monitoring and takedown, data breach notifications, and fraud warning systems via both on-platform messages and SMS alerts where supported.
Advanced security infrastructure with multi-signature wallets, cold storage solutions, and regular security audits. Features include 2FA authentication, biometric verification, and compliance with global regulatory standards.
Have These Exchanges Been Hacked Before?
No. Bitpanda has never been hacked and maintains strong security measures including SOC 2 Type 1 certification, multi-factor authentication, secure password hashing, account monitoring, and phishing protection.
No. No publicly reported major hacking incidents.
Official Site
Exchange Review
No review available
"Everything works great and the support is fast and reliable. However, would love to have a summary of my personal portfolio. Two examples: a daily price evaluation, comparing the evolution of the last 24h, and a comparison of the current price with that at acquisition. Otherwise, great app Edit: the last update dealt with the problemas I mentioned, great work! 5 stars. If possible, show not only the variation in fiat but also the percentage."
- Real user review from iOS App Store, Android Play Store or Trustpilot
No review available
"MoonPay has been fantastic for buying crypto quickly and easily. The verification process was smooth, and I love having multiple payment options. Their zero-fee feature with MoonPay Balance is a game-changer."
- Real user review from iOS App Store, Android Play Store or Trustpilot
MoonPay vs Bitpanda Comparison
MoonPay and Bitpanda both serve European users, but Bitpanda offers a complete investment platform while MoonPay is just an on-ramp. Bitpanda is regulated by BaFin in Germany and offers crypto, stocks, ETFs, and precious metals.
Fee Comparison
MoonPay charges:
- 4.5% for cards
- 1% for bank transfers
- Spread in pricing
Bitpanda charges:
- 0.99% trading premium for BTC
- Free SEPA deposits and withdrawals
- 0-2.49% depending on asset type
- No hidden spread
Who Should Use Each?
Choose MoonPay if: You live outside Europe, need instant card purchases without KYC, or are buying through a third-party integration.
Choose Bitpanda if: You're in Europe, want low fees, need staking rewards, want to invest in stocks/ETFs alongside crypto, or prefer strong regulatory oversight.
Key Takeaways
European users should choose Bitpanda without hesitation. The combination of low fees, free SEPA transfers, strong regulation, and additional investment options (stocks, ETFs, metals) makes it far superior to MoonPay. Staking rewards up to 30% APY add significant value. MoonPay's only edge is pure simplicity and broader geographic reach outside Europe.
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