What is MoonPay Balance, and why is it the best way to pay?
MoonPay Balance lets users in the EU, UK, and US top up in euros, pounds, or dollars and use that balance to buy or sell crypto. It’s fast, flexible, and always ready when you need it.
Why use MoonPay Balance?
We think it’s the best way to pay because:
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 – Redeem your balance for the same amount in EUR, GBP, or USD
What you can do with your MoonPay Balance
Top up – Add funds with 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
Helpful advice 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
Eligibility
To get a 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.
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
How to top up
Top up in the US
Sign in to the MoonPay app
On the main screen, tap Top up or select the USD card
Tap Top up again
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/EEA
Sign in to the MoonPay app
On the main screen, tap Top up or select the EUR/GBP card
Tap 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:
Only use a bank account registered in your name; otherwise, your transfer 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 orders
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.
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 common UK banks that support standing orders:
Buying crypto with your MoonPay 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
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)
Link ACH via Plaid if not already linked
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.
Is my MoonPay Balance safe with MoonPay? How is my balance 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?
MoonPay is a licensed money transmitter. Our registration number is NMLS ID: 2071245.
If you have questions about MoonPay’s services, you can:
Call us at 888-651-0727, Monday–Friday, 9am–5pm ET.
Select the chat button in the lower right-hand corner to get in touch with our support team.
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 using MoonPay:
Log in to your MoonPay account
Tap the menu (☰) icon in the top right corner
Select Withdraw Bitcoin.com balance