This review is editorial and independent. Investing in cryptocurrencies carries the risk of total loss — only invest what you can afford to lose.
What MoonPay offers
Detailed rating
Comisión no verificada manualmente: se basa en la lista de precios publicada.
- MiCA license (Netherlands)
- Direct purchase in wallets and NFTs
- Multiple payment methods
- −High fees compared to a spot exchange
- −Not a classic exchange
About MoonPay
Founded in 2019 and headquartered in Miami / Amsterdam, MoonPay has established itself as a strong player in the crypto exchange ecosystem. Under MiCA (Netherlands, DNB) regulation, the platform offers more than 100 cryptocurrencies and more than 100 trading pairs.
Its offering stands out for a balanced combination of fees, liquidity and user experience — something especially valued by users looking for a reliable platform to trade Bitcoin and altcoins.
In-depth analysis
MoonPay se posiciona como una rampa de entrada clave en el ecosistema cripto, no como un exchange tradicional. Fundada en 2019 por MoonPay Europe B.V., su enfoque es facilitar la conversión de dinero fiduciario a criptoactivos. Opera bajo una licencia MiCA en Países Bajos, otorgada por el DNB, lo que le permite ofrecer sus servicios con pasaporte a 27 países del Espacio Económico Europeo. Este perfil regulatorio lo hace adecuado para usuarios que valoran la seguridad jurídica y buscan una forma sencilla de adquirir criptomonedas directamente desde sus monederos o plataformas NFT favoritas, sin necesidad de interactuar con un libro de órdenes complejo.
Respecto a los costes, MoonPay emplea una estructura de comisiones variable que depende del método de pago y el país, sin una publicación detallada y transparente, lo que sugiere que podrían ser más elevadas que en un exchange de spot. Su servicio principal es la compra directa de cripto en plataformas asociadas, ofreciendo una experiencia de usuario optimizada para la adquisición puntual. Sin embargo, su limitación principal es que no facilita el trading activo ni el mantenimiento de balances, actuando solo como intermediario de compra. Los usuarios deben ser conscientes de que no ofrece la profundidad de servicios de un exchange completo ni la transparencia de costes de otras plataformas.
Deposits, withdrawals and fees
MoonPay accepts crypto deposits on major networks (Bitcoin, Ethereum, BSC, Solana, Tron and more) and also allows fiat deposits via SEPA, card and other methods depending on country. Standard spot fees are —, with additional discounts based on volume or use of the exchange's native token.
Crypto withdrawals are processed in minutes once the account is verified. For larger amounts, a standard manual review for the sector may apply.
Security and regulation
Operates under MiCA (Netherlands, DNB) regulation, with two-factor authentication (2FA), withdrawal whitelisting, majority cold storage and periodically audited proof of reserves.
Mobile experience and support
There's a mobile app for iOS and Android, plus an optimized website. Support responds via 24/7 live chat and offers a complete help center.
How to open an account at MoonPay
We explain step by step how to create your account at MoonPay safely, from registration to your first deposit. The entire process usually takes less than 5 minutes.
- 1
Go to the official website
Visit the official MoonPay website via the button at the end of this guide. Always check the URL to avoid phishing pages.
- 2
Click "Register" and enter your email
The sign-up button is in the top-right corner. Enter an email address you have permanent access to — you'll need it to verify the account and recover access.
- 3
Create a strong password
Choose a password of at least 12 characters combining uppercase, lowercase, numbers and symbols. Don't reuse passwords from other platforms; a password manager is highly recommended.
- 4
Verify your account and enable 2FA
Confirm your email, complete KYC (ID and proof of address if requested) and enable two-factor authentication (2FA) with Google Authenticator. It's the most important step to protect your funds.
- 5
Deposit and start trading
Make your first deposit in crypto (or fiat via SEPA, if available) and start trading on MoonPay.
Our verdict
MoonPay receives an editorial score of 3.3/5. It is an interesting option with room for improvement. Recommended for users who value its differentiating proposition versus larger brands.
Other recommended exchanges
OKX was one of the first three global exchanges to receive a MiCA license in Malta (January 2025), with passporting across all 30 EEA countries. Extensive catalog, very competitive fees, and its own DeFi ecosystem.
Crypto.com combines an exchange, retail app, Visa card, and NFTs into a complete ecosystem, with a MiCA license issued in Malta and significant investments in marketing and sports sponsorships.
Bybit EU GmbH obtained a MiCA license in Austria in May 2025, allowing passporting to 29 EEA countries. It offers most of Bybit's catalog and functionalities adapted to the European regulatory framework.