MoonPay vs Cash App: Which is Best? [2026]
Key differences
Cash App vs MoonPay in Comparison
Description
Cash App is a mobile payment service by Block (formerly Square) that offers Bitcoin buying and selling features to US users. As of 2024, it processes $14.7 billion in annual revenue.
Simple app to buy Bitcoin with your bank or debit card. Works in most countries but has very high fees.
Supported Countries
Available only in the United States. All users must verify their identity with legal name, date of birth, and SSN to buy Bitcoin. Unverified accounts limited to $1,000 sending/receiving in 30 days. Verified accounts have higher limits and can access Bitcoin trading, stocks, and Cash Card.
Available in 160+ countries. Regulated globally with licenses in major jurisdictions including UK, US, EU, Canada, and Australia.
Supported Cryptocurrencies
Bitcoin only
160+ cryptocurrencies including BTC, ETH, USDC, USDT, DAI and many more
Fees
- Exchange Fees:
- $0 - $9.99: 3%
- $10 - $100: 2.25%
- $100.01 - $200: 2%
- $200.01 - $1000: 1.75%
- $1000.01 - $2000: 1.5%
- $2000.01 - $3000: 1.25%
- $3000.01 - $5000: 1%
- >$5,000.01: 0.75%
Spread Fee:- 0-1% (varies with market conditions)
- No spread on Auto-Invest, Roundups, or Custom Orders
- 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
Cash App Balance, bank Account, debit card
Bank Account, Credit Card, Debit Card, Apple Pay, Google Pay, PayPal
Do These Exchanges Allow you To Earn Interest on Crypto?
0
No Bitcoin interest earning, but offers Cash Card rewards program with instant savings at selected merchants. Users can activate one offer at a time.
Mobile App Ratings
iOS Rating: 4.8 Official rating from the iOS App Store as of November 18, 2024.
Android Rating: 4.6 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
Bitcoin custody is managed by Cash App, with the option to withdraw to external wallets. Cash App implements strong security measures including Face ID/Touch ID and PIN protection. Users can set up automatic Bitcoin purchases with direct deposit, choosing their preferred investment percentage with no fees.
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 reported loss of customer Bitcoin.
No. No publicly reported major hacking incidents.
Official Site
Exchange Review
No review available
"Cash App makes buying Bitcoin super simple. The instant deposit feature and ability to withdraw to my own wallet make it my go-to choice for small purchases."
- 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 Cash App Comparison
MoonPay and Cash App serve very different markets. Cash App is Block's (formerly Square) popular payment app with 57 million users, offering Bitcoin buying alongside P2P payments. MoonPay is a dedicated crypto on-ramp available globally.
Fee Comparison
MoonPay charges:
- 4.5% for cards
- 1% for bank transfers
- Spread in pricing
Cash App charges:
- 2.25% for $10-$100 purchases
- 1.75% for $200-$1,000
- 0.75% for purchases over $5,000
- 0-1% spread (no spread on auto-invest)
- No fees on automatic Bitcoin purchases from direct deposit
Who Should Use Each?
Choose MoonPay if: You live outside the US, want altcoins, or need to buy through a third-party dApp.
Choose Cash App if: You're in the US, already use Cash App for payments, want a simple Bitcoin buying experience, or want to auto-invest from direct deposit with no fees.
Key Takeaways
For US users who just want Bitcoin, Cash App is simpler and cheaper than MoonPay. The ability to auto-invest a percentage of direct deposit with zero fees is a standout feature. Cash App's integration with everyday payments makes it convenient for casual Bitcoin buyers. MoonPay only makes sense for US users who need altcoins or for international users.
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