MoonPay vs Swan Bitcoin: Which is Best? [2026]
Key differences
Swan Bitcoin vs MoonPay in Comparison
Description
Swan is a US-based Bitcoin-only exchange focused on making Bitcoin investing safe & simple.
Simple app to buy Bitcoin with your bank or debit card. Works in most countries but has very high fees.
Supported Countries
United States, Puerto Rico, Guam, Virgin Islands
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
- Purchasing Fees: 0.99% for all purchases and sales.
- No inactivity, withdrawal, overdraft, custody, or fiat withdrawal fees.
- IRA Fees: Small monthly 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
ACH, Bank Account, 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: 4.3 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
Swan encourages users to store their Bitcoin in cold storage. Swan does not charge its users any withdrawal 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?
Swan Bitcoin was affected by a data breach at HubSpot in March 2022, which also impacted BlockFi, NYDIG, and Circle. The breach involved unauthorized access to user information stored in HubSpot, but internal systems and treasuries were not compromised. Additionally, in August 2022, Swan Bitcoin experienced a data leak due to a phishing attack on its newsletter provider, Klaviyo. This incident led to the exposure of email addresses and some user data, but no evidence of misuse has been found.
No. No publicly reported major hacking incidents.
Official Site
Exchange Review
No review available
"Stackin' sats with Swan! With Swan you can stack your precious sats and withdraw on a schedule to your cold storage. Swan is about education for its customers and offers a wide variety of articles, podcasts etc in the app. Dashboard allows you to view your total bought, current balance, available sats to withdraw, a smash buy button etc."
- 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 Swan Bitcoin Comparison
MoonPay and Swan Bitcoin serve different audiences with different goals. MoonPay is a global fiat on-ramp for buying various cryptocurrencies quickly. Swan Bitcoin is a US-based, Bitcoin-only platform built specifically for long-term Bitcoin accumulation through dollar-cost averaging.
Fee Comparison
MoonPay charges:
- 4.5% for credit/debit cards
- 1% for bank transfers
- Additional spread on top of fees
Swan Bitcoin charges:
- 0.99% flat fee for all purchases
- No hidden spread fees
- No withdrawal fees
- No custody fees
Who Should Use Each?
Choose MoonPay if: You live outside the US, want to buy altcoins, or need a quick one-time purchase with a credit card.
Choose Swan if: You're in the US, focused on Bitcoin only, want to set up recurring purchases (DCA), and care about minimizing fees over time.
Key Takeaways
For US-based Bitcoin investors planning to accumulate over time, Swan is the clear winner with fees roughly 5x lower than MoonPay. Swan's focus on education and self-custody also makes it ideal for long-term holders. MoonPay's strength is its global availability and support for multiple cryptocurrencies.
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