Moon Card
by Moon
- Monthly fee
- $20.00
- Card fee
- Free
- Top-up fee
- 2%
- ID check
- Not needed
- Card
- Virtual
- Phone pay
- No
Our verdict
Moon Card was an early option for spending Bitcoin through Lightning on virtual Visa cards. It works for fast, private crypto-to-card top-ups, but recent reliability problems call for caution.
What we like
- +Lightning support allows instant, nearly free Bitcoin transfers
- +No monthly or membership charges
- +Single-use cards from just $1.49
- +Keeps personal details hidden from merchants
- +Visa acceptance in over 130 countries
Watch out for
- −Recent reports of suspended accounts and refund trouble
- −Virtual cards only, no physical version
- −$4,000 monthly cap across all cards
- −One-time cards lapse after 2 months
- −Trustpilot reviews raise reliability doubts
6.4/10
Editor score
Fair
2.7/10
User rating
Based on 35 sources
Lv 0
KYC Level
No KYC
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- 1%
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- $10
Fees
- Monthly Fee
- $20.00
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- 3%
- Top-up Fee
- 2%
- Decline Fee
- —
Limits
- Daily Spend
- $100,000
- Monthly Spend
- $5,000
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Virtual Card
- Card Network
- Mastercard
- Apple Pay
- —
- Google Pay
- —
KYC Requirements
Level: No KYC
- ✕Email verificationNot Required
- ✕Phone verificationNot Required
- ✕Identity documentNot Required
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
2.7/10
Sourced from
Moon Card, founded in 2018, long drew praise from privacy-minded and international users for its email-only signup, Lightning support and easy Amazon checkout. That goodwill collapsed in December 2025, when the service went offline, cancelled active virtual cards and froze balances all at once. Users then reported being asked for face scans and government ID at withdrawal, despite the no-KYC pitch, and said refunds stayed pending for months while support went unanswered. One person reported losing more than $5,000. The $1.00 minimum fee on the Moon X card also makes small purchases, such as a $5.00 subscription, poor value. The Chrome extension has seen no major update since 2023 and there is no mobile app or Apple and Google Pay. Sentiment is strongly negative, and the card is widely seen as a serious counterparty risk until the frozen funds are resolved.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Bitcoin
Frequently asked questions
Does the Moon Card require KYC?
No. The Moon Card can be issued without identity verification. Limits and fees may be higher than on verified cards.
What fees does the Moon Card charge?
The card has a monthly fee of $20.00, an issuance fee of free, a top-up fee of 2%, an FX fee of 3%. See the fee table above for ATM and decline fees.
Does the Moon Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the Moon Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the Moon Card support?
BTC.
Last updated August 19, 2026, verified August 6, 2026.