MoonPay Fees: Up to 4.5 Percent, a Partner Margin on Top, and a Markup You Never See as a Fee

The information provided in this article is for informational purposes only and does not constitute financial advice. Investing in cryptocurrencies carries a high level of risk. When you tap “Buy” inside a crypto wallet, in many cases you are not buying from the wallet at all. You are buying from MoonPay. The service is built into a large number of applications as a buy button, which is exactly why most users never see a price list before they pay. One exists, and it is public. The MoonPay Europe Pricing Disclosure applies to customers in the European Economic Area and puts numbers on the page. The most important one first: up to 4.5 percent on card payments, up to 1 percent on bank transfers, and a minimum of €3.99 if your amount falls below a certain threshold. That is only the first of four layers. This article is an assessment rather than a news report. All figures come from MoonPay’s own price list, retrieved on September 5, 2026, and from the MiCA register kept by the European securities regulator ESMA. Sources are written out at the end. What MoonPay is, and why you may never have read the name MoonPay is what the industry calls an on-ramp and off-ramp: a service that exchan...