Crypto On-Ramp ReviewTested24 MAY 26
MoonPay Review
Fiat-to-crypto on-ramp integrated into 500+ apps and wallets
Affiliate link · doesn't affect score · independent methodology
3.8/ 5Skrumble Score
At a glance
MoonPay is the on-ramp inside dozens of wallets (MetaMask, Trust, Phantom) — sells direct-to-wallet, no account needed past KYC. Card fee ~4.5% all-in is high but typical of card-rails. Lowest cost is SEPA / open-banking when available.
Best for
Users buying < $1k who value 1-tap card on-ramp inside their wallet of choice.
Skip if
You're buying > $1k and have time for a bank transfer — exchanges are 10-30× cheaper.
Quick stats
- Typical fee ($500)
- 4.5%
- Payment methods
- card, apple-pay, google-pay
- KYC level
- full
- Min purchase
- $30
- Max daily
- $50,000
- Direct to wallet
- Yes
- Countries
- 160+
- Assets
- 110+
Skrumble scoring breakdown
3.8/ 5
Cost (35% weight)2.6/5
Speed (20% weight)4.5/5
Payment Methods (20% weight)4.5/5
Country Coverage (15% weight)4.7/5
KYC Friction (10% weight)3.8/5
Read our full scoring methodology.
Pros
- Direct-to-wallet — no exchange account needed
- Embedded in 500+ apps (MetaMask, Trust, Phantom)
- Apple Pay / Google Pay support
Cons
- ~4.5% effective fee on card purchases
- KYC is full-tier (passport/ID required at $150+)
- Limited support — chat-only, no phone