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MoonPay

MoonPay Europe B.V. · Netherlands
Key points
Official sourceUnclaimedMiCA-licensed · Netherlands
🌐 Website
Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇳🇱 Netherlands
Founding date
2019
Trustpilot
4,1/5 →

Regulation

Regulatory licences
MiCA licence, notified on 30/12/2024
Licensing authority
Netherlands Authority for the Financial Markets (AFM)
Registered services
  • Transfer of crypto-assets
  • Crypto/crypto exchange
  • Crypto/fiat exchange
Register consulted
Consult the register → · verified on 23/08/2026

MoonPay is a crypto on/off-ramp provider, long known as payment infrastructure integrated into third-party wallets and apps. Its offer has gradually broadened into a retail experience, with a mobile app, buying and selling of more than 100 crypto-assets, recurring purchases and a non-custodial wallet. MoonPay is oriented towards simple access and payments rather than advanced trading, and lets a user directly manage a large part of their crypto journey.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC) : to be verified

Available cryptos: 100

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, MoonPay suits some use cases more than others.

Minimum deposit: €20Mobile appWithdrawal to personal wallet possibleAutomatic DCADedicated pro interface: not disclosed

Minimum deposit of €20. Withdrawal to a personal wallet possible.

Available in Germany, Austria, Belgium, Bulgaria, Cyprus, Croatia, Denmark, Spain, Estonia, Finland, France, Greece, Hungary, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Sweden, Czechia.

03How much it costs

Deposit
SEPA transfer0 %
Card3,5 %
Trading
1 %
spread not quantifiable
Holding

No known holding fees

Exit

not disclosed

Blockchain network fees always excluded (identical for everyone, not set by the platform).

Published and explicit pricing: the cost is clear before you confirm.

Fee source: https://www.moonpay.com/ro/legal/europe_pricing_disclosure · verified on 26/08/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

MoonPay remains non-custodial: the cryptos purchased are delivered to a wallet controlled by the user. Since 2026, the MoonPay app can directly create non-custodial wallets for BTC, ETH/EVM, SOL, XRP and TRX; MoonPay has no access to the recovery phrase, which the user can export.

05What to know before you start

MoonPay is an on/off-ramp rather than an order-book exchange. Users can open the MoonPay app directly, buy/sell, keep their keys in a non-custodial MoonPay wallet, send/receive and schedule Recurring Buys. DCA via MoonPay Balance available in the EEA. The app also lets users track external wallets. DeFi token conversion features are currently not available in the EEA.

Compensation transparency: affiliate partnership with MoonPay: À l'étude. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is MoonPay licensed under MiCA?

Yes. MoonPay Europe B.V. is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Netherlands Authority for the Financial Markets (AFM), Netherlands. Notification to the ESMA register: 30/12/2024. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on MoonPay?

For €100 of bitcoin bought by SEPA transfer, the total cost is 1 €, spread included and network fees excluded (Uncrypt €100 index). The platform states that a variable spread is added to this cost, without publishing its amount. Fees checked on 26/08/2026 against the official fee schedule.

How many cryptos can you buy on MoonPay?

100 crypto-assets are available on MoonPay.

What is the minimum deposit on MoonPay?

The minimum deposit is 20 €.

Can you withdraw your crypto from MoonPay to your own wallet?

Yes, MoonPay lets you withdraw your crypto-assets to a personal wallet.

Can you stake crypto on MoonPay?

No, MoonPay does not offer staking.

Can you schedule recurring purchases (DCA) on MoonPay?

Yes, MoonPay lets you schedule recurring purchases (DCA).