How to Buy Cryptocurrencies with MoonPay in 2025: The Complete Guide
- Why Choose MoonPay Over Other On-Ramp Services?
- Method 1: Using MoonPay's Website or Mobile App
- Method 2: Buying Through Hardware Wallets
- Method 3: Browser Extension Purchases
- Method 4: Centralized Exchange Integration
- Method 5: Purchasing via DeFi Applications
- MoonPay in 2025: Why It Remains My Top Choice
- Frequently Asked Questions
MoonPay has become the go-to fiat-to-crypto gateway for millions of users worldwide. With its seamless integration across 500+ platforms including hardware wallets, browser extensions, CEXs and dApps, MoonPay offers one of the most convenient ways to convert between traditional money and digital assets. This 2025 guide will walk you through every possible method to use MoonPay, compare its fees and features, and help you choose the best approach for your needs.
Why Choose MoonPay Over Other On-Ramp Services?
Having tested nearly every fiat gateway in the crypto space since 2021, I consistently recommend MoonPay for three key reasons. First, their regulatory compliance is top-notch - licensed in the US, UK, EU, Canada and Australia with rigorous KYC procedures that actually make me feel safer. Second, the sheer convenience: whether I'm using my Ledger, MetaMask, or just their mobile app, transactions complete in minutes. Third, their transparent fee structure - no nasty surprises at checkout like some competitors.
MoonPay supports 34 fiat currencies and 100+ cryptocurrencies with multiple payment options including credit cards (4.5% fee), Apple Pay (3.5%), bank transfers (1%), and even PayPal. Their recent NFT checkout feature through OpenSea partnerships demonstrates how they stay ahead of market trends.
Method 1: Using MoonPay's Website or Mobile App
The most straightforward approach is going directly to the source. Here's my step-by-step walkthrough from testing it last week:
- Select your desired cryptocurrency and amount (minimum €20 equivalent)
- Verify your email with a 6-digit code
- Complete KYC by uploading ID and a selfie (takes about 7 minutes)
- Enter your crypto wallet address (double-check this!)
- Choose payment method - pro tip: bank transfers save you ~3% in fees
- Confirm and track your transaction via email updates
The mobile app offers identical functionality plus a built-in wallet if you need temporary storage. Selling crypto for fiat works just as smoothly, with 1-3 business day bank processing times.
Method 2: Buying Through Hardware Wallets
As a long-time Ledger user, I appreciate how MoonPay integrates directly into Ledger Live and Trezor Suite. The process:
- Open your wallet's native application
- Navigate to "Buy/Sell" section
- Select MoonPay from provider options
- Sign in with existing credentials or complete one-time KYC
- Crypto deposits directly to your hardware wallet address
This method shines for security-conscious users who want assets going straight to cold storage.
Method 3: Browser Extension Purchases
Popular wallets like Phantom, MetaMask and Coinbase Wallet all feature MoonPay integration. I used this just yesterday to top up my Solana:
- Click "Buy" in your extension's interface
- Choose MoonPay as the provider
- Follow the same verification flow as web purchases
- Funds arrive in your extension wallet within minutes
The advantage here is not having to manually enter wallet addresses - the extension auto-fills your correct deposit address.
Method 4: Centralized Exchange Integration
Major exchanges like Bybit, KuCoin and BTCC offer MoonPay as an on-ramp option. The killer feature? KYC sharing - if you're already verified on the exchange, you skip redundant verification. Here's how it works on Bybit:
- Login to your exchange account
- Find "Buy Crypto" or similar section
- Select MoonPay from payment options
- Choose amount and cryptocurrency
- Complete purchase with prefilled KYC details
Note that not all MoonPay-supported assets may be available through every exchange.
Method 5: Purchasing via DeFi Applications
DeFi platforms like Uniswap and Aave now incorporate MoonPay for direct fiat entry. My experience with Uniswap:
- Connect your Web3 wallet
- Navigate to swap interface
- Select "Buy with Fiat" option
- Choose MoonPay and desired token
- Complete verification if first-time user
- Tokens arrive in your connected wallet
This method bridges traditional finance with DeFi seamlessly - no need to first buy ETH elsewhere before swapping.
MoonPay in 2025: Why It Remains My Top Choice
After testing dozens of alternatives over four years, MoonPay consistently delivers the best combination of speed (most purchases complete in under 10 minutes), selection (from bitcoin to obscure altcoins), and reasonable fees (especially with bank transfers). Their expanding NFT capabilities and enterprise solutions show they're evolving with the market.
While no service is perfect - I wish they'd lower credit card fees - MoonPay's reliability and widespread integrations make it my default recommendation for crypto newcomers and veterans alike. Just remember: this article doesn't constitute investment advice, and you should always do your own research before transacting.
Frequently Asked Questions
What payment methods does MoonPay accept?
MoonPay accepts Visa/Mastercard credit cards (4.5% fee), Apple Pay (3.5%), Google Pay (3.5%), bank transfers (1%), and in some regions PayPal and Revolut Pay.
How long do MoonPay transactions take?
Crypto purchases typically complete within 10-30 minutes depending on blockchain congestion. Fiat withdrawals take 1-3 business days to reach your bank account.
Is MoonPay available worldwide?
MoonPay operates in over 160 countries, with full services in the US, UK, EU, Canada, Australia and partial availability elsewhere based on local regulations.
What's the minimum purchase amount?
The minimum is typically €20 or equivalent, though this may vary slightly by payment method and cryptocurrency selected.
Does MoonPay charge for creating an account?
No, account creation and wallet addresses are completely free. You only pay transaction fees when buying or selling.
