MoonPay Guide 2026: Fees and Wallet Transfers Explained

MoonPay is one of the most recognizable names in crypto onboarding. The payment button inside wallets like MetaMask and Ledger, it's also a standalone app millions of people use to buy their first Bitcoin or Ethereum.

The MoonPay Guide 2026 explains how the platform works today, what it charges, and how transfers move in and out of your MoonPay account.

MoonPay lets you buy, sell, and send crypto using a card, bank transfer, Apple Pay, Google Pay, PayPal, and more. Fees shift depending on which one you pick. Wallet transfers run through your own external wallet address, or through MoonTags, MoonPay's tag-based send-and-receive system.

MoonPay is a fiat-to-crypto payment gateway. In plain terms, it's the bridge between your regular money and a crypto wallet. You give it dollars, euros, or another currency. It hands back Bitcoin, Ethereum, Solana, or another supported coin, sent to a wallet you choose.

MoonPay isn't an exchange in the traditional sense. It doesn't run an order book where buyers and sellers meet directly. Instead, it sources liquidity from partners, then sells you crypto at a set rate.