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Comparison

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

In short

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

differs best value same for all

Attribute Illustration: BitPay Card BitPay CardBitPay Moon X Card Moon CardMoon
Overview Requires KYC Private Virtual Physical KYC free (limited) Private Virtual
Score average good
CostsWeight 25 % 4.8 10.0
TrustWeight 20 % 6.9 6.6
KYC and privacyWeight 15 % 6.5 10.0
FeaturesWeight 15 % 8.1 3.1
AvailabilityWeight 10 % 2.4 not scored
RewardsWeight 10 % not scored not scored
CommunityWeight 5 % 3.1 0.0
KYC KYC: ID document KYC: No ID
Limits (entry level)
  • Top-up per transaction: 10,000 USD
  • Top-up per day: 10,000 USD
  • Spending per day: 10,000 USD
+5
  • Top-up per day: 10,000 USD
  • Top-up per month: 30,000 USD
  • Spending per month: 4,000 USD
Basics
Card form prepaid bitpay.com checked 29 Oct 2026
unknown
Card types (differs) virtual, physical bitpay.com checked 29 Oct 2026
virtual paywithmoon.com checked 30 Oct 2026
Card network (differs) Mastercard bitpay.com checked 29 Oct 2026
Visa paywithmoon.com checked 30 Oct 2026
Custodysame for all self-custody bitpay.com checked 31 Oct 2026
self-custody paywithmoon.com checked 30 Oct 2026
Funding modelsame for all fiat balance bitpay.com checked 29 Oct 2026
fiat balance paywithmoon.com checked 30 Oct 2026
Card currenciessame for all USD bitpay.com checked 29 Oct 2026
USD paywithmoon.com checked 30 Oct 2026
Usagesame for all personal bitpay.com checked 29 Oct 2026
personal paywithmoon.com checked 30 Oct 2026
Issuer / BIN sponsor (differs) Metropolitan Commercial Bank bitpay.com checked 29 Oct 2026
not published paywithmoon.com checked 30 Oct 2026
Limits depend on unknown
unknown
Cards per account 1 bitpay.com checked 29 Oct 2026
unknown
Unknown for allLimits depend on
Availability
Available in unknown
not published paywithmoon.com checked 30 Oct 2026
Crypto
Supported assets (differs) BTC, ETH, USDC, DOGE, LTC, DAI, BCH, MATIC, SHIB, WBTC, APE, USDP bitpay.com checked 29 Oct 2026
+ 3 more BTCETHUSDCDOGELTCDAIBCHMATICSHIBWBTCAPEUSDPGUSDBUSDEUROC
BTC, ETH, USDT, USDC paywithmoon.com checked 30 Oct 2026
Number of supported assets unknown
unknown
Top-up networks (differs) Polygon bitpay.com checked 30 Oct 2026
Bitcoin, Lightning, Tron, Polygon paywithmoon.com checked 29 Oct 2026
Fiat top-up Yes bitpay.com checked 30 Oct 2026
unknown
Unknown for allNumber of supported assets
Payments
Mobile wallets (differs) Apple Pay bitpay.com checked 29 Oct 2026
– paywithmoon.com checked 30 Oct 2026
ATM withdrawals (differs) Yes bitpay.com checked 29 Oct 2026
No paywithmoon.com checked 30 Oct 2026
Contactless Yes bitpay.com checked 29 Oct 2026
unknown
Fees
Virtual card issuance 0.00 USD bitpay.com checked 29 Oct 2026
unknown
Physical card issuance (differs) 0.00 USD bitpay.com checked 30 Oct 2026
not applicable paywithmoon.com checked 30 Oct 2026
Free cards unknown
unknown
Shipping (differs) not published bitpay.com checked 30 Oct 2026
not applicable paywithmoon.com checked 30 Oct 2026
Monthly feesame for all 0.00 USD bitpay.com checked 29 Oct 2026
0.00 USD paywithmoon.com checked 29 Oct 2026
Annual fee (differs) not published bitpay.com checked 30 Oct 2026
0.00 USD paywithmoon.com checked 29 Oct 2026
Top-up feesame for all free bitpay.com checked 29 Oct 2026
free paywithmoon.com checked 29 Oct 2026
Crypto deposit fee unknown
not published paywithmoon.com checked 30 Oct 2026
Crypto conversion fee (differs) not published bitpay.com checked 30 Oct 2026
0 % paywithmoon.com checked 30 Oct 2026
Foreign currency fee (differs) 3 % bitpay.com checked 29 Oct 2026
0 % paywithmoon.com checked 30 Oct 2026
FX free allowance unknown
not applicable paywithmoon.com checked 30 Oct 2026
Minimum FX fee unknown
0.00 USD paywithmoon.com checked 30 Oct 2026
ATM fee unknown
not applicable paywithmoon.com checked 30 Oct 2026
Transaction fee (differs) free bitpay.com checked 29 Oct 2026
1 % (min. 1.00 USD) paywithmoon.com checked 30 Oct 2026
Cross-border fee unknown
0 % paywithmoon.com checked 30 Oct 2026
Withdrawal fee unknown
unknown
Activation fee (differs) 0.00 USD bitpay.com checked 29 Oct 2026
not published paywithmoon.com checked 31 Oct 2026
Account closure fee (differs) 0.00 USD bitpay.com checked 31 Oct 2026
not published paywithmoon.com checked 31 Oct 2026
Dispute fee (differs) not published bitpay.com checked 31 Oct 2026
17.50 USD (only assessed if the Company, at its sole discretion, decides to proceed with a consumer-requested dispute) paywithmoon.com checked 31 Oct 2026
Minimum top-up not published bitpay.com checked 30 Oct 2026
unknown
Declined payment fee 0.00 USD bitpay.com checked 29 Oct 2026
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) paywithmoon.com checked 30 Oct 2026
Inactivity fee (differs) 5.00 USD bitpay.com checked 29 Oct 2026
not published paywithmoon.com checked 31 Oct 2026
Minimum monthly spend unknown
unknown
Inactivity rule Dormancy fee assessed each month after 90 days of no transaction. bitpay.com checked 29 Oct 2026
unknown
Card replacement unknown
not published paywithmoon.com checked 31 Oct 2026
Unknown for allFree cards · Withdrawal fee · Minimum monthly spend
Rewards
Cashback only in the app bitpay.com checked 29 Oct 2026
unknown
Referral bonus (invited friend) only in the app bitpay.com checked 30 Oct 2026
unknown
Referral bonus (you) only in the app bitpay.com checked 30 Oct 2026
unknown
Welcome bonus unknown
unknown
Unknown for allWelcome bonus

Values of the chosen variant; without a choice the entry variant (first in the provider's order).

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