Comparison
Moon Card vs. Utorg Crypto Card: fees, limits & KYC
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paywithmoon.com29 Oct 2026
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Source
paywithmoon.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Moon CardMoon
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Utorg Crypto CardUtorg
In short
- Fewest documents: Moon Card (No ID).
- Moon Card has the best score (6.8).
| Attribute |
Moon CardMoon
|
Utorg Crypto CardUtorg
|
|---|---|---|
| Overview | KYC free (limited) Private Virtual | Requires KYC Private Virtual |
| Score | good with variant Moon 1X Card: 6.7 | average |
| CostsWeight 25 % | 10.0 | 8.5 |
| TrustWeight 20 % | 6.6 | 5.8 |
| KYC and privacyWeight 15 % | 10.0 | 4.5 |
| FeaturesWeight 15 % | 3.1 | 4.7 |
| AvailabilityWeight 10 % | not scored | 3.8 |
| RewardsWeight 10 % | not scored | not scored |
| CommunityWeight 5 % | 0.0 | 5.1 |
| KYC | KYC: No ID | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all |
debit
utorg.com checked 30 Oct 2026
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utorg.com
Wording at the source
Accepted at physical terminals, online stores, and wherever debit cards are used.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Card typessame for all |
virtual
paywithmoon.com checked 30 Oct 2026
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Source
paywithmoon.com
Wording at the source
Moon Cards are virtual cards you can buy with cryptocurrency.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card networksame for all |  
Visa
paywithmoon.com checked 30 Oct 2026
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Source
paywithmoon.com
Wording at the source
Buy Moon Visa® Cards with crypto and shop online seamlessly! Use Bitcoin or USDT to get secure virtual cards accepted by millions of merchants worldwide.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
### White-Label Crypto Cards Issue branded physical and virtual Visa cards to your users. Real-time crypto-to-fiat conversion at the point of sale, accepted at 80M+ merchants worldwide.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Custodysame for all |
self-custody
paywithmoon.com checked 30 Oct 2026
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Source
paywithmoon.com
Wording at the source
All data is encrypted and Moon is not a custodial service.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
self-custody
utorg.com checked 30 Oct 2026
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Source
utorg.com
Wording at the source
Nope. You hold your keys. You hold your crypto. We never touch your assets — that's the whole point.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
fiat balance
paywithmoon.com checked 30 Oct 2026
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Source
paywithmoon.com
Wording at the source
Cards are loaded in USD and ready to use instantly.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
utorg.com checked 30 Oct 2026
Two sources, two values
Shownfiat balance
utorg.comchecked 30 Oct 2026
You will also be able to top up your Utorg Card by exchanging your crypto assets from your non-custodial wallet for fiat and make payments with your debit Utorg payment card.Differingconverted on spend utorg.comfetched 30 Oct 2026 Issue branded physical and virtual Visa cards to your users. Real-time crypto-to-fiat conversion at the point of sale, accepted at 80M+ merchants worldwide.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Card currenciessame for all |
USD
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
Cards are loaded in USD and ready to use instantly.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Card Currency is USD: To ensure the fastest possible relaunch, all new cards are issued in USD. While we plan to reintroduce EUR cards in the future, USD is currently the primary currency.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Usagesame for all |
personal
paywithmoon.com checked 30 Oct 2026
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Source
paywithmoon.com
Wording at the source
● Attempting to register, registering, or using more than a single Account per individual end user. Users must be eligible individual persons, rather than organizations or groups, and are only allowed...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
utorg.com checked 30 Oct 2026
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Source
utorg.com
Wording at the source
Up to €30,000, providing you with the freedom to manage your finances without constraints.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all |
not published
paywithmoon.com checked 30 Oct 2026
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Source
paywithmoon.com
Wording at the source
The Moon Visa® Card is issued by our partner Financial Institutions, pursuant to a license from Visa.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Limits depend onsame for all | unknown | |
| Cards per accountsame for all | unknown | |
| Unknown for all | Limits depend on · Cards per account | |
| Availability | ||
| Available in (differs)same for all |
not published
paywithmoon.com checked 30 Oct 2026
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Source
paywithmoon.com
Wording at the source
Not all Moon products are available in all countries. Please see the terms and conditions of the product for more details.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
Available in 29 countries and regions
utorg.com checked 30 Oct 2026
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Source
utorg.com
Wording at the source
Italy Latvia Liechtenstein Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Romania Slovakia Slovenia Spain Ukraine Austria Belgium Bulgaria Croatia Cyprus Czech Repub...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs)same for all |
BTC, ETH, USDT, USDC
paywithmoon.com checked 30 Oct 2026
Two sources, two values
ShownBTC, ETH, USDT, USDC
paywithmoon.comchecked 30 Oct 2026
Buy Moon Cards with Bitcoin (BTC), Lightning, Tether (USDT TRC-20), USDC (ERC-20), or Ether (ETH). Pay easily from your favorite wallet, whether on-chain or via the Lightning Network.Differingvalue not recorded paywithmoon.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
USDC
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Top-up via USDC Only: Currently, you can top up your card exclusively using USDC. Support for other assets like BTC or ETH will be added soon.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all |
1
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Top-up via USDC Only: Currently, you can top up your card exclusively using USDC. Support for other assets like BTC or ETH will be added soon. - 1:0.9995 Conversion: When you top up, 1 USDC equals $...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Top-up networks (differs)same for all |
Bitcoin, Lightning, Tron, Polygon
paywithmoon.com checked 29 Oct 2026
Two sources, two values
ShownBitcoin, Lightning, Tron, Polygon
paywithmoon.comchecked 29 Oct 2026
We currently accept USDT on Tron, USDC on Polygon and BTC via on-chain and lightning network. More payment methods are on the way!Differingvalue not recorded paywithmoon.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
Ethereum, Solana, Polygon, Arbitrum
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
However, you can top-up the card with USDC in Ethereum, Polygon, Arbitrum and Solana networks without paying a transaction fee in the native coin. For such a top-up, we take 0 USD as a commission.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all |
No
support.utorg.com checked 30 Oct 2026
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Source
support.utorg.com
Wording at the source
- Top-up via USDC Only: Currently, you can top up your card exclusively using USDC. Support for other assets like BTC or ETH will be added soon.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Payments | ||
| Mobile wallets (differs)same for all |
–
paywithmoon.com checked 30 Oct 2026
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Source
paywithmoon.com
Wording at the source
Moon cards do not currently support Apple Pay, Google Pay or Samsung Pay mobile wallets. Mobile wallet support is on the way!Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
 
Apple Pay
 
Google Pay
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
### Google Pay & Apple Pay Easily add Utorg Card to Google Pay and Apple PayChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
No
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
● Manual Cash Disbursements ● Automated Cash DisbursementsChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
No
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
### Google Pay & Apple Pay Easily add Utorg Card to Google Pay and Apple PayChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Fees | ||
| Virtual card issuancesame for all |
1.49 USD
paywithmoon.com checked 30 Oct 2026
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Source
paywithmoon.com
Wording at the source
Moon 1X Cards can be purchased for $1.49 for each card. There are no transaction fees on the Moon 1X Card.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Physical card issuancesame for all |
not applicable
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
Moon Cards are virtual cards you can buy with cryptocurrency.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | |
| Shippingsame for all |
not applicable
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
Moon Cards are virtual cards you can buy with cryptocurrency.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Monthly feesame for all |
0.00 USD
paywithmoon.com checked 29 Oct 2026
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Source
paywithmoon.com
Wording at the source
Moon charges no monthly, membership, or access fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 EUR
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Yes. Really. No payment fees, no FX markups, no monthly charges. We make money on volume — not on you.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Annual feesame for all |
0.00 USD
paywithmoon.com checked 29 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
Moon charges no monthly, membership, or access fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Top-up feesame for all |
free
paywithmoon.com checked 29 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
Moon does not charge for load or topup of cards or credit, and our exchange rate is passed on from wholesale providers.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Crypto deposit feesame for all |
not published
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
Purchases made on Moon through Moon's check-out or through a third-party payment service available at check-out may be subject to handling fees and confirmation time. Moon may charge a purchase handli...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Crypto conversion feesame for all |
0 %
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
No trading fees, no wait times, no hassle—just start using your card right away!Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Foreign currency feesame for all |
0 %
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
There is a 1% fee on all purchases made with the Moon X Card, with a minimum of $1.00 fee per transaction. We do not charge any FX or foreign transaction fees.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
0 % promotion, no end date stated
utorg.com checked 30 Oct 2026
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Source
utorg.com
Wording at the source
## Zero fees* Enjoy zero fees on payments and cross-fiat conversions * for a limited time! For more information, contact our support team.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? , regular unknown |
| FX free allowancesame for all |
not applicable
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
We do not charge any FX or foreign transaction fees.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Minimum FX feesame for all |
0.00 USD
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
We do not charge any FX or foreign transaction fees.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| ATM feesame for all |
not applicable
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
● Manual Cash Disbursements ● Automated Cash DisbursementsChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Transaction feesame for all |
1 % (min. 1.00 USD)
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
There is a 1% fee on all purchases made with the Moon X Card, with a minimum of $1.00 fee per transaction.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean?
free
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
Moon 1X Cards can be purchased for $1.49 for each card. There are no transaction fees on the Moon 1X Card.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
free promotion, no end date stated
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
## Zero fees* Enjoy zero fees on payments and cross-fiat conversions * for a limited time! For more information, contact our support team.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? , regular unknown |
| Cross-border feesame for all |
0 %
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
We do not charge any FX or foreign transaction fees.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all |
not published
paywithmoon.com checked 31 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
the Company charges certain fees for the management of underlying card products accessed via its platform. These specifically include: (1) for non-reloadable card products: $1.49 USD fee for a new car...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Account closure feesame for all |
not published
paywithmoon.com checked 31 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
the Company charges certain fees for the management of underlying card products accessed via its platform. These specifically include: (1) for non-reloadable card products: $1.49 USD fee for a new car...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Dispute feesame for all |
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
Source and check
Source
paywithmoon.com
Wording at the source
$17.50 USD chargeback dispute fee, only assessed if the Company, at its sole discretion, decides to proceed with a consumer-requested dispute.Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Minimum top-upsame for all |
5.00 USD
paywithmoon.com checked 30 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
The minimum for a Moon 1X Card is $5. The maximum is $1,000.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Declined payment feesame for all | unknown | |
| Refund feesame for all |
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
Source and check
Source
paywithmoon.com
Wording at the source
$40.00 USD excessive refund fee for each refund transaction if the card has more than 3 refunds, total refunded value exceeds $250 USD, and the refunded value exceeds 15% of the value transacted on th...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Inactivity feesame for all |
not published
paywithmoon.com checked 31 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
the Company charges certain fees for the management of underlying card products accessed via its platform. These specifically include: (1) for non-reloadable card products: $1.49 USD fee for a new car...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all | unknown | |
| Card replacementsame for all |
not published
paywithmoon.com checked 31 Oct 2026
Source and check
Source
paywithmoon.com
Wording at the source
the Company charges certain fees for the management of underlying card products accessed via its platform. These specifically include: (1) for non-reloadable card products: $1.49 USD fee for a new car...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Unknown for all | Free cards · Withdrawal fee · Declined payment fee · Minimum monthly spend · Inactivity rule | |
| Rewards | ||
| Cashbacksame for all | unknown | |
| Referral bonus (invited friend)same for all | unknown | |
| Referral bonus (you)same for all | unknown | |
| Welcome bonussame for all | unknown | |
| Unknown for all | Cashback · Referral bonus (invited friend) · Referral bonus (you) · Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Moon Card · Utorg Crypto Card: promotions and bonuses as well as warnings and incidents.