MoonPay vs Crypto.com: Which is Best? [2026]
Key differences
Crypto.com vs MoonPay in Comparison
Description
Globally licensed cryptocurrency platform offering a wide range of crypto services in over 100 countries.
Simple app to buy Bitcoin with your bank or debit card. Works in most countries but has very high fees.
Supported Countries
Available in 100+ countries including US (49 states), Canada, Australia, Brazil, Singapore, UK, most of Europe, and many Asian and Middle Eastern markets. Not available in New York.
Available in 160+ countries. Regulated globally with licenses in major jurisdictions including UK, US, EU, Canada, and Australia.
Supported Cryptocurrencies
350+ cryptocurrencies including BTC, ETH, USDC, USDT, BNB, ADA, SOL, DOGE, XRP, DOT, MATIC, AVAX, LINK, UNI, ATOM, and many others across multiple blockchains.
160+ cryptocurrencies including BTC, ETH, USDC, USDT, DAI and many more
Fees
- Trading Fees (Without CRO):
- Volume < $10,000: Maker 0.25%, Taker 0.50%
- Volume ≥ $10,000: Maker 0.20%, Taker 0.40%
- Volume ≥ $50,000: Maker 0.15%, Taker 0.25%
- Volume ≥ $250,000: Maker 0.10%, Taker 0.20%
- Volume ≥ $500,000: Maker 0.08%, Taker 0.18%
- 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
Bank Transfer, Wire Transfer, Credit Card, Debit Card, PayPal, Apple Pay, Google Pay
Bank Account, Credit Card, Debit Card, Apple Pay, Google Pay, PayPal
Do These Exchanges Allow you To Earn Interest on Crypto?
Mobile App Ratings
iOS Rating: 4.5 Official rating from the iOS App Store as of November 18, 2024.
Android Rating: 4.3 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 with 1:1 asset reserves and third-party Proof of Reserves verification. Regulated custodian accounts for fiat deposits. Security certifications include ISO 22301, ISO/IEC 27701, ISO/IEC 27001, PCI DSS v4.0, and SOC 2 Type II. Features bug bounty program via HackerOne.
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?
Yes, Crypto.com was hacked in January 2022. Attackers bypassed 2FA authentication and stole over $30 million worth of cryptocurrency from 483 customer accounts. All affected customers were fully reimbursed by the company.
No. No publicly reported major hacking incidents.
Official Site
Exchange Review
No review available
"Crypto.com has been my go-to platform for years. The app is user-friendly, customer support is responsive, and the variety of services available is impressive. The security features give me peace of mind, and the global reach means I can use it wherever I travel."
- 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 Crypto.com Comparison
MoonPay and Crypto.com both operate globally but serve different purposes. MoonPay is purely a fiat-to-crypto on-ramp for quick purchases. Crypto.com is a comprehensive crypto platform offering trading, staking, a Visa debit card, and a full suite of financial services.
Fee Comparison
MoonPay charges:
- 4.5% for cards/Apple Pay/Google Pay/PayPal
- 1% for bank transfers
- Additional spread in pricing
Crypto.com charges:
- 0.25% maker / 0.50% taker (base tier)
- Fees decrease with volume
- Free bank deposits
- Card purchases vary by region
Who Should Use Each?
Choose MoonPay if: You want the simplest possible purchase flow, don't want to create an exchange account, or need to buy through a dApp or third-party integration.
Choose Crypto.com if: You want lower fees, plan to trade actively, want staking rewards, or are interested in the Crypto.com Visa card cashback program.
Key Takeaways
Crypto.com offers far better value for most users with fees 10x lower than MoonPay's card fees. The platform's additional features like staking (up to 14% APY on some assets), the Visa card, and lower trading fees make it a more complete solution. MoonPay's advantage is pure simplicity and integration with third-party services.
Bitbuy
Binance
Coinbase
Gemini
Kraken
Uphold
River
Bitpanda
Cash App
Strike
Swan Bitcoin
Unchained