Who can use this feature?
MoonPay Balance is currently only available in the US, UK, and EU.
Overview
MoonPay Balance is a stored balance you can fund in USD, GBP, or EUR and use to buy and sell crypto instantly. You can also withdraw your balance back to your bank at any time. This article covers everything you need to know — from getting started to managing your funds day to day.
Key benefits
Be ready for the market – Buy crypto instantly with near-perfect approval rates
No expiry – Your balance stays available as long as you need it
No hidden costs – At this time, there are no fees to buy or sell crypto with your balance
Full value – Withdraw your balance for the same amount in EUR, GBP, or USD
Eligibility
To use MoonPay Balance, you must:
Have a registered address in the UK, the European Economic Area (EEA), or the US
Have completed MoonPay onboarding
Tip: We review these requirements regularly and plan to expand to more regions.
Additional rules for residents of Germany
If you live in Germany, your MoonPay Balance is subject to additional requirements:
Your balance is intended for crypto purchases. After adding funds, you must use them to buy crypto. If you'd prefer not to, you must withdraw your balance
You cannot hold a balance for more than 30 consecutive days
Your maximum balance is limited to the greater of your monthly average trading volume or €1,000
Important: These rules apply only to residents of Germany and are designed to meet regional requirements.
Getting started
For existing customers
If you're eligible, your MoonPay Balance will appear in your app automatically.
Log in to your MoonPay account
Tap on your balance
Top up
For new customers
Download the MoonPay app
Sign up for an account
Set a password
Complete onboarding
From the main screen, select MoonPay Balance
What you can do with your balance
Top up – Add funds via bank transfer (SEPA, Open Banking, Faster Payments, ACH), PayPal, Venmo (US only), or Apple Pay
Buy and sell crypto – Instantly purchase or sell cryptocurrency using your balance
Withdraw to your bank – Move money back to your bank account at any time
View activity – Track all balance movements directly in the app
Supported top-up and withdrawal methods
Region | Top-up methods | Withdrawal methods |
EEA | SEPA bank transfer, SEPA Instant, Open banking, PayPal, Apple Pay | SEPA bank transfer, SEPA Instant, Open banking, PayPal |
UK | Open banking, Faster Payments, PayPal, Apple Pay | Open banking, Faster Payments, PayPal |
US | ACH transfer, PayPal, Venmo, Apple Pay | ACH transfer, PayPal, Venmo |
Note for bank transfers: Always use your own account and include your reference code. Joint/business accounts can’t be used.
Things to know before you top up
UK and EEA
Only use a bank account registered in your name
Always include your unique reference code with transfers
If your bank offers an optional recipient message, enter the reference code there too (especially for Bank of Ireland or AIB)
Bank transfers usually arrive in minutes but may take up to 3 business days
You can schedule recurring top-ups with a standing order from your bank
US
ACH transfers take 3–10 business days to clear. You can’t cancel or use the funds until credited
You can top up with PayPal, Venmo, ACH, or Apple Pay
You can only withdraw using ACH bank transfer
How to top up
Top up in the US
Sign in to the MoonPay app
On the Home screen:
Select Deposit, and on the next screen, Deposit again next to MoonPay Balance, or
Scroll down, and select MoonPay Balance and then Top up
Choose a top-up method:
Easy bank transfer – Redirects to Plaid to link and authorize your bank
PayPal – Redirects to PayPal for authorization
Venmo – Redirects to Venmo for authorization
Apple Pay – Opens Apple Pay to complete payment
Important: Only use your own bank account, PayPal, or Venmo to top up.
Note:
Withdrawals are only via ACH bank transfer (up to 2 business days to arrive)
If no ACH account is linked, you’ll be prompted to link one via Plaid
Top up in the UK and EEA
Sign in to the MoonPay app
On the Home screen:
Select Deposit, and on the next screen, Deposit again next to MoonPay Balance, or
Scroll down, and select MoonPay Balance and then Top up
Choose a method:
Easy bank transfer – Redirects to your bank for authorization
Manual bank transfer – Instructions provided; include your unique reference code and use your own bank account
Apple Pay – Opens Apple Pay to complete payment
Important:
You don’t need to create a MoonPay Balance order before sending a bank transfer. An order will be created automatically once we receive your transfer with the correct reference number
Only use a bank account in your own name; transfers from accounts in someone else’s name may be rejected
Always include your unique reference code with the transfer
Joint and business accounts aren’t supported
Note:
Top-ups usually arrive in minutes but can take up to 3 business days
You can set up recurring top-ups via standing order
How to set up recurring top-ups (UK only)
You can schedule recurring top-ups by creating a standing order with your bank.
Set the frequency and amount that works for you
Include your unique balance reference code in the reference field
Set up the order after your first successful top-up
Some UK banks that support standing orders include HSBC, Barclays, Lloyds Bank,
Buying crypto with your balance
Tap Buy in the app or from your balance screen
Select the cryptocurrency
Enter the amount
Enter your wallet address
Choose MoonPay Balance as the payment method
Confirm
Important: MoonPay Balance can be used to purchase most cryptocurrencies, but it cannot be used to buy native network tokens such as ETH (Ethereum) or other gas tokens. If you need ETH to cover network fees, you'll need to purchase it using a card, Apple Pay, or another supported payment method.
Selling crypto with your MoonPay Balance
Tap Sell in the app
Select the cryptocurrency
Enter the amount
Choose MoonPay Balance as the payout method
Tap View deposit details to get the wallet address
Send crypto from your wallet to the provided address (cover network fees)
Once received, we’ll sell it and credit your balance instantly
Withdrawing from your balance
Open the MoonPay app
Go to your balance and tap Withdraw
Enter the amount
Select your bank
Confirm
Note:
UK/EEA – Withdraw only to a bank account you’ve topped up from
US – Withdraw via PayPal/Venmo (5–10 minutes) or ACH (up to 2 business days). If you haven't linked an ACH account yet, you'll be prompted to do so via Plaid
Timelines and delays
UK/EEA: Withdrawals usually take minutes but may take up to 3 business days
US: ACH takes up to 2 business days
If your funds don’t arrive in time, contact our support team via the chat button on the bottom right of this screen.
Common top-up issues
Incorrect account details – Check IBAN, sort code, or account number
Missing reference code – Always include it so we can match your deposit
Name mismatch – Only use a bank account in your name
Unsupported banks – Some banks (Monzo, NatWest, RBS, Starling, TSB, Ulster, Wise) may block or return transfers
Costs
No fees for buying or selling with MoonPay Balance
No ongoing fees to keep a MoonPay Balance open
EEA: Some methods may include a small fee
US: Top-ups will include a small fee
All fees are shown before you confirm your top-up.
Troubleshooting
MoonPay Balance isn't showing as a payment option
If MoonPay Balance doesn't appear at checkout, it's usually because of one of the following:
Purchase limits reached — Daily and monthly limits apply. If you've hit your limit, the balance option is hidden until it resets. Daily limits reset 24 hours after your last order; monthly limits reset 30 days after your last order.
Unsupported cryptocurrency — MoonPay Balance can't be used to buy certain tokens, including native gas tokens like ETH. You'll need a card or Apple Pay for those purchases.
Ineligible region — MoonPay Balance is only available in the US, UK, and EU. If your registered address falls outside these regions, the option won't appear.
Balance is zero or too low — If your balance doesn't cover the minimum purchase amount, it won't be offered as a payment method.
I have USDT (or another ERC-20 token) but can't send it
If you see a "Need ETH to cover network fees" message when trying to send USDT or another token on the Ethereum network, you need a small amount of ETH in the same wallet to pay the blockchain's gas fee. This is a requirement of the Ethereum network — it applies to all wallets, not just MoonPay.
Tip: You only need a small amount of ETH — typically $1–$5 worth is enough to cover most standard Ethereum transactions.
To resolve this, you can:
Buy ETH using a card or Apple Pay — In the MoonPay app, tap Buy, select ETH, and make sure the delivery address is your MoonPay wallet address. MoonPay Balance cannot be used to purchase ETH.
Receive ETH from another wallet — If you have ETH elsewhere (e.g. MetaMask, Coinbase, Trust Wallet), send a small amount to your MoonPay wallet address.
FAQs
Is my MoonPay Balance safe? How is it protected?
Is my MoonPay Balance safe? How is it protected?
Your MoonPay Balance is safeguarded. Funds are stored in a bank account owned by an independent foundation, in line with MiCA safeguarding obligations. This protects your money from MoonPay's assets or creditors.
What is MoonPay's NMLS ID?
What is MoonPay's NMLS ID?
MoonPay is a licensed money transmitter. Our NMLS registration number is 2071245.
If you have questions about MoonPay's services, you can call us at 888-651-0727, Monday–Friday, 9am–5pm ET, or select the chat button in the lower right corner to reach our support team.
How can I withdraw my Bitcoin.com balance?
How can I withdraw my Bitcoin.com balance?
If you have a Bitcoin.com balance, you can withdraw it in two ways:
Directly on Bitcoin.com – Withdraw your balance anytime through the Bitcoin.com platform
Through MoonPay – Use the direct MoonPay withdrawal link
When withdrawing through MoonPay:
Log in to your MoonPay account
Tap the menu (☰) icon in the top right corner
Select Withdraw Bitcoin.com balance