Moon vs Wirex
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: Wirex wins overall (5.4/10 vs 3.8/10). The right pick still depends on your priority - see the flow comparison below.
 Moon |  Wirex | |
|---|---|---|
| Overall score | 3.8 | 5.4 |
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | Basic KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | not documented | 0% |
| FX fee | 0% | 0% |
| Monthly fee | none | none |
| Cashback | none | 8% in USD |
| Regions | GLOBAL | GLOBAL, EEA, UK, APAC, LATAM |
Pick Moon if
- Lighter KYC (Basic KYC vs Full KYC)
- Lightning top-up support
Pick Wirex if
- Higher documented cashback (8% vs 0)
- Wider documented availability
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.
Wirex
The veteran (2014) reinvented as a stablecoin bank: fee-free FX worldwide, multi-currency accounts with 1:1 stablecoin conversion, real Visa/Mastercard principal memberships and an 8% headline cashback. Fee details hide in the help hub, and the El Salvador licensing move makes the regulatory story newer than its brand.