MoonPay vs Strike: Which is Best? [2026]
Key differences
Strike vs MoonPay in Comparison
Description
Fast, secure US-based exchange with high limits.
Simple app to buy Bitcoin with your bank or debit card. Works in most countries but has very high fees.
Supported Countries
Available in 65+ countries including United States, El Salvador, Argentina, Costa Rica, Philippines and more. Send Globally feature available in 12+ countries.
Available in 160+ countries. Regulated globally with licenses in major jurisdictions including UK, US, EU, Canada, and Australia.
Supported Cryptocurrencies
Bitcoin (BTC) on-chain and Lightning, USDT
160+ cryptocurrencies including BTC, ETH, USDC, USDT, DAI and many more
Fees
- Trading Fees:
- Under $250: 0.99%
- $250 - $2,000: 0.95%
- $2,000 - $5,000: 0.89%
- $5,000 - $50,000: 0.79%
- $50,000 - $500,000: 0.69%
- $500,000 - $5,000,000: 0.59%
- $5,000,000 - $15,000,000: 0.49%
- Over $15,000,000: 0.39%
- Bank transfers: Free
- On-chain BTC withdrawals: Network fee
~2% debit card deposit fee.
- 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
Debit Card, ACH, and Wire Transfer
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: 4.8 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
Industry standard security measures including 2FA authentication. Non-custodial Lightning payments. Registered and regulated Money Services Business (MSB).
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 publicly reported security incidents
No. No publicly reported major hacking incidents.
Official Site
Exchange Review
No review available
"Love the hourly auto buy feature on this app. Invite some friends and go fee free. Auto buy for a week and go fee free. Otherwise fees are super low compared to everything else. Will never buy BTC on the other platforms again. Highly recommend."
- 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 Strike Comparison
MoonPay and Strike take different approaches to crypto purchases. MoonPay is a traditional fiat on-ramp charging premium fees. Strike is a Bitcoin-focused payments app leveraging the Lightning Network for cheap, instant transactions.
Fee Comparison
MoonPay charges:
- 4.5% for cards
- 1% for bank transfers
- Additional spread
Strike charges:
- 0.99% for purchases under $250
- Fees decrease with volume (down to 0.39%)
- Free bank transfers
- Free Lightning payments
- ~2% for debit card deposits
Who Should Use Each?
Choose MoonPay if: You need altcoins, live in a country Strike doesn't support, or need to purchase through a third-party dApp integration.
Choose Strike if: You want Bitcoin with low fees, use Lightning Network payments, want to send money internationally for free, or want an hourly auto-buy feature.
Key Takeaways
Strike offers a superior Bitcoin buying experience at a fraction of MoonPay's cost. The Lightning Network integration enables instant, nearly free transfers globally. Strike's hourly auto-buy feature is unique for DCA enthusiasts. MoonPay only makes sense if you need altcoins or live somewhere Strike isn't available.
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