Coinbase vs MoonPay: Which is Best? [2025]
Key differences
- MoonPay has much higher fees than Coinbase.
- MoonPay buys are instant, while Coinbase may take a bit longer.
- MoonPay charges a very high spread fee, much higher than Coinbase.
Coinbase vs MoonPay Fees Calculator
We built this fee calculator to help you compare the fees of Coinbase and MoonPay.
Enter the amount you want to buy and we'll show you the estimated fees for each exchange.
Coinbase vs MoonPay in Comparison
Description
Coinbase is a popular global crypto exchange with over 240 cryptocurrencies supported.
Simple app to buy Bitcoin with your bank or debit card. Works in most countries but has very high fees.
Supported Countries
Available in over 100 countries globally. Full features in most of US including debit cards, staking, instant transfers and futures. Strong support in UK, Europe and parts of Asia with some restrictions. Not available in Singapore or OFAC-sanctioned countries. ID verification required.
Available in 160+ countries. Regulated globally with licenses in major jurisdictions including UK, US, EU, Canada, and Australia.
Supported Cryptocurrencies
Over 240 cryptocurrencies
160+ cryptocurrencies including BTC, ETH, USDC, USDT, DAI and many more
Fees
- Transaction Fees:
- $0.99 for transactions $10 or lower
- $1.49 for transactions between $10-$25
- $1.99 for transactions between $25-$50
- $2.99 for transactions between $50-$200
- 0.50% spread fee for transactions over $200
Payment Method Fees:- ACH transfers: Free
- Bank account/USD Wallet: 1.49%
- Credit/debit card: 3.99%
- Wire transfers: $10 incoming, $25 outgoing
- Deposit Fees:
- Bank Transfer: 1%
- Credit/Debit Card: 4.5%
- Apple Pay/Google Pay: 4.5%
- PayPal: 4.5%
- MoonPay Balance: 0%
- Withdrawal Fees:
- Bank Transfer: 1%
- PayPal: 3.4%
- BTC: Network fees apply
Payment Methods
ACH, Wire Transfer, Debit Card, Bank Account, PayPal, Apple Pay, iDEAL, SEPA, Interac e-Transfer, Instant Verification, Google Pay
Bank Account, Credit Card, Debit Card, Apple Pay, Google Pay, PayPal
Do These Exchanges Allow you To Earn Interest on Crypto?
4.70%
Earn 4.70% APY rewards by holding USDC on Coinbase. USDC is fully backed 1:1 by US dollars. Minimum $1.
Mobile App Ratings
iOS Rating: 4.7 Official rating from the iOS App Store as of November 18, 2024.
Android Rating: 4.6 Official rating from the Android Play Store as of November 18, 2024.
iOS Rating: 4.2 Official rating from the iOS App Store as of November 18, 2024.
Android Rating: 4.0 Official rating from the Android Play Store as of November 18, 2024.
Storage
As a public US company, Coinbase maintains full 1:1 reserves of customer assets with no lending. Their platform features industry-leading security including mandatory 2FA, multi-approval withdrawals via Coinbase Vault, and 24/7 monitoring. Over 10 years of experience and regular third-party audits.
Advanced security infrastructure with multi-signature wallets, cold storage solutions, and regular security audits. Features include 2FA authentication, biometric verification, and compliance with global regulatory standards.
Have These Exchanges Been Hacked Before?
No. Has never lost customer funds in any way.
No. No publicly reported major hacking incidents.
Official Site
Exchange Review
"I mistakenly sent my crypto to the wrong wallet at Coinbase. The team at Coinbase was able to retrieve it and credit to my account within a week. I am quite impressed with their communication, instruction, and result! I'm so relieved. Thank you so much, Coinbase Support!"
- Real user review from iOS App Store, Android Play Store or Trustpilot
No review available
"MoonPay has been fantastic for buying crypto quickly and easily. The verification process was smooth, and I love having multiple payment options. Their zero-fee feature with MoonPay Balance is a game-changer."
- Real user review from iOS App Store, Android Play Store or Trustpilot
Testing Coinbase vs MoonPay
I personally tested buying $100 worth of Bitcoin on both Coinbase and MoonPay. Here are the results:
For $100, Coinbase was taking a 3.74% fee.
For $200, MoonPay was taking around a 7% fee.
Here are the images of the transactions:
Coinbase Test with $100
Now on MoonPay, I was seeing a very high spread fee of 4.31%.
MoonPay was quoting me a price of $106,231.56, while the Bitcoin price at the time was only around $101,752.
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