MoonPay 费用：高达 4.5%，合作伙伴保证金最高，以及您从未将其视为费用的加价

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 exchanges euros for crypto assets and back again. It rarely appears under its own name. It sits embedded in someone else’s interface instead. Wallet providers and platforms integrate it so their users can buy without the detour of an exchange. The company itself claims a presence in more than 160 countries and more than 300 integrated applications.

Names that can be documented include Ledger, which runs a dedicated product page for buying via MoonPay, and Trust Wallet, which lists the service alongside other providers in its purchase screen. At MetaMask, MoonPay appears expressly only in the list for users in the United States; MetaMask publishes no equivalent list for the EU. One formerly common use case has gone: NFT Checkout, the card payment option on NFT platforms, was discontinued on May 1, 2026.

For you as a user, that embedding means two things. First, your contractual counterparty is MoonPay Europe B.V. and not the wallet. Second, the operator of the wallet may be earning on your purchase through a fee layer of its own, which MoonPay collects on its behalf. More on that in a moment.

One note on the price list itself, because it bears on how long this article stays accurate: it carries no date and no version number. Every value here therefore applies as of the retrieval date of September 5, 2026, and can change without any visible announcement.

MoonPay fees: the four cost layers

The price list names four types of fee, in its own words “a network fee; a MoonPay fee; an Iron fee; and/or an ecosystem fee”. On top of those sits the spread. The first four appear as line items. The spread does not.

The largest crypto assets over 90 days, based on data from CoinMarketCap

Layer 1, the MoonPay fee. It depends on how you arrived at the platform, and that is the detail most readers skim past.

If you buy directly through MoonPay’s website or app, this table applies:

Payment method on purchases on sales Cards and alternative payment methods up to 4.5 percent up to 4.5 percent Bank transfer up to 1 percent up to 1 percent

Across the board, the price list quotes a range of “between 0 and 5 percent” for direct access. If you arrive through a partner, meaning the buy button inside a wallet, the wording is “up to 4.5 percent”, with a minimum fee that “will never be more than €4.50”. For that route, MoonPay publishes no breakdown by payment method.

In both cases there is also a minimum fee of €3.99 if your amount falls below a threshold. How high that threshold is does not appear in the price list. If you pay in a currency other than euros, dollars or pounds, the document says the minimum fee rises “by 0.25 to 10 percent”.

Layer 2, the ecosystem fee. This is the partner’s margin. The price list says it is charged “by MoonPay Europe on behalf of some, but not all, of our partners”, that it is “set by each partner individually”, and that it may not exceed 10 percent, though it typically runs between 0 and 2 percent.

Translated: the operator of the wallet in which you have just tapped Buy can add up to ten percent. This fee is shown to you as a separate line item when you confirm the order, so it is visible. But it depends on which app you are using, rather than on what you are buying.

Layer 3, the transaction fee. According to the price list it sits “between 0 and 10 percent, typically around 1 percent”. It is disclosed at account opening and appears as a line item on the email receipt.

Layer 4, the spread. And this is the one that matters. The price list puts it like this: for all transactions, the rate displayed to you corresponds to the base price “inclusive of any spread”. And further: “All spreads are included in the price of the crypto asset displayed to you during the checkout process.”

A markup baked into the rate is not a line on the invoice. It is not hidden in the sense of being improper, since MoonPay discloses it. It simply cannot be quantified before you buy, and it stacks on top of the other three layers.

What MoonPay fees mean in euros

Work it through once for a typical case, using the values from the price list and leaving out the spread, which nobody knows in advance.

You buy €200 of bitcoin by card, through the buy button in a wallet:

MoonPay fee, up to 4.5 percent: up to €9.00

Ecosystem fee charged by the partner, typically 0 to 2 percent: up to €4.00

Transaction fee, typically around 1 percent: roughly €2.00

Spread: unknown, contained in the rate

In the unfavourable case that leaves you at around €15 on a €200 outlay, or roughly 7.5 percent, before the spread has even been counted. Paying by bank transfer instead of card cuts the largest layer from up to 4.5 percent to up to 1 percent.

The comparison that follows from this is straightforward. A regulated exchange with a published order fee or a published spread is almost always cheaper on the same €200. The providers and their terms are set out in our comparison of the best crypto exchanges. If you are looking to start through an app, the candidates are in the comparison of buying bitcoin by app.

What MoonPay is allowed to do in Europe, and what it expressly is not

Here it pays to look at the register, because it corrects a widespread assumption.

MoonPay Europe B.V., registered at Herengracht 420, 1017BZ Amsterdam, appears in ESMA’s MiCA register. The competent authority is the Dutch financial markets regulator AFM, and the date of authorisation is December 30, 2024. MoonPay itself gives the reference number 41000002 in its footer.

The register lists exactly three authorised services:

exchange of crypto assets for funds

exchange of crypto assets for other crypto assets

provision of transfer services for crypto assets

Custody of crypto assets on behalf of clients is not among them. That is the service listed under letter a in the register, and MoonPay Europe does not hold it. The service is designed so that whatever you buy goes straight to an address you supply. Leaving holdings there is not what it was built for.

The authorisation is passported into 30 states of the European Economic Area, Germany included. In BaFin’s company database MoonPay Europe therefore appears under the category “cross-border service providers (Art. 65 MiCA-R)”, with three inbound permissions and an issue date of March 26, 2026. They match the three services from the Dutch register exactly. The service needs no German licence of its own; market access runs through the European passport.