# BitPay Card vs. Moon Card: fees, limits & KYC

- Moon Card has the lowest foreign currency fee (0 %).
- Fewest documents: Moon Card (No ID).
- Moon Card has the best score (6.8).

Entry variant: Moon Card: Moon X Card.

## Basics

|  | BitPay Card | Moon Card |
| --- | --- | --- |
| Card form | prepaid | unknown |
| **Card types** | virtual, physical | virtual |
| **Card network** | Mastercard | Visa |
| Custody | self-custody | self-custody |
| Funding model | fiat balance | fiat balance |
| Card currencies | USD | USD |
| Usage | personal | personal |
| **Issuer / BIN sponsor** | Metropolitan Commercial Bank | not published |
| Limits depend on | unknown | unknown |
| Cards per account | 1 | unknown |

## Availability

|  | BitPay Card | Moon Card |
| --- | --- | --- |
| Available in | unknown | not published |

## Crypto

|  | BitPay Card | Moon Card |
| --- | --- | --- |
| **Supported assets** | BTC, ETH, USDC, DAI, DOGE, LTC, BCH, MATIC, SHIB, WBTC, APE, USDP, GUSD, BUSD, EUROC | BTC, ETH, USDT, USDC |
| Number of supported assets | unknown | unknown |
| **Top-up networks** | Polygon | Bitcoin, Lightning, Tron, Polygon |
| Fiat top-up | Yes | unknown |

## Payments

|  | BitPay Card | Moon Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay | – |
| **ATM withdrawals** | Yes | No |
| Contactless | Yes | unknown |

## Fees

|  | BitPay Card | Moon Card |
| --- | --- | --- |
| Virtual card issuance | 0.00 USD | unknown |
| **Physical card issuance** | 0.00 USD | not applicable |
| Free cards | unknown | unknown |
| **Shipping** | not published | not applicable |
| Monthly fee | 0.00 USD | 0.00 USD |
| **Annual fee** | not published | 0.00 USD |
| Top-up fee | free | free |
| Crypto deposit fee | unknown | not published |
| **Crypto conversion fee** | not published | 0 % |
| **Foreign currency fee** | 3 % | 0 % |
| FX free allowance | unknown | not applicable |
| Minimum FX fee | unknown | 0.00 USD |
| ATM fee | unknown | not applicable |
| **Transaction fee** | free | 1 % (min. 1.00 USD) |
| Cross-border fee | unknown | 0 % |
| Withdrawal fee | unknown | unknown |
| **Activation fee** | 0.00 USD | not published |
| **Account closure fee** | 0.00 USD | not published |
| **Dispute fee** | not published | 17.50 USD (only assessed if the Company, at its sole discretion, decides to proceed with a consumer-requested dispute) |
| Minimum top-up | not published | unknown |
| Declined payment fee | 0.00 USD | unknown |
| Refund fee | unknown | 40.00 USD (per refund transaction, only if the card has more than 3 refunds, total refunded value exceeds $250 USD, and refunded value exceeds 15% of the value transacted on the card; additionally $0.50 USD per decline/reversal/refund transaction once the card exceeds 20 such transactions in a calendar month or 30-day period) |
| **Inactivity fee** | 5.00 USD | not published |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | Dormancy fee assessed each month after 90 days of no transaction. | unknown |
| Card replacement | unknown | not published |

## Rewards

|  | BitPay Card | Moon Card |
| --- | --- | --- |
| Cashback | only in the app | unknown |
| Referral bonus (invited friend) | only in the app | unknown |
| Referral bonus (you) | only in the app | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | BitPay Card | Moon Card |
| --- | --- | --- |
| Limits (entry level) | Top-up per transaction 10,000 USD · Top-up per day 10,000 USD · Spending per day 10,000 USD | Top-up per day 10,000 USD · Top-up per month 30,000 USD · Spending per month 4,000 USD |

- [BitPay Card](https://cryptocardss.com/en/bitpay-card.md)
- [Moon Card](https://cryptocardss.com/en/moon-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/bitpay-card-vs-moon-card/
- **As of:** 31 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 31 Oct 2026, https://cryptocardss.com/en/compare/bitpay-card-vs-moon-card/