Moon vs Shakepay Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Moon ranks higher on the documented evidence (3.8/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
 Moon | Shakepay Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) + Lightning | No direct BTC load |
| Lightning funding | yes - loads the card | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | not documented | 0% |
| FX fee | 0% | 3% |
| Monthly fee | none | none |
| ATM fee | not documented | not documented |
| Cashback | none | 1% in BTC |
| Privacy & custody | ||
| KYC | Email only | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | $5000.0 |
| ATM daily limit | not documented | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | GLOBAL | CA |
| Network | Visa | Visa |
| Form factor | Virtual | Physical + virtual |
| Apple Pay | no / unknown | yes |
Pick Moon if
- Known fee stack (0.0 vs 3.0 % equivalents on a $500/mo profile)
- Lighter KYC (Email only vs Full KYC)
- Lightning funding that actually loads the card
Pick Shakepay Card if
- Higher documented cashback (1% vs 0)
- Physical card option
Moon
Watch - do not load funds. The Lightning-funded virtual card worked until late November 2025, then cards were blocked en masse and withdrawals stalled (documented cases). Support has gone silent while the site still markets the product.
Shakepay Card
exists - active, beantragbar; physische Karte frisch gelauncht (Okt 2026-Seite), BTC-Cashback 1% (bis 1.5% mit Blue-Status), Canada-only
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FAQ
Which is better for privacy, Moon or Shakepay Card?
Moon is the lighter option: Moon requires Email only, while Shakepay Card requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Moon: Not documented. Shakepay Card: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.
Facts checked 2026-11-02 · How we verify