Is there a MoonPay prepaid card? What exists today

People search for a MoonPay prepaid card because MoonPay is everywhere in crypto. Its buy widget sits inside many wallets and apps, so it feels natural that it would also sell a card. In October 2026 it does not, at least not one that a regular shopper can order, top up and tap at a till. What MoonPay does offer is the MoonAgents Card. It is a virtual Mastercard debit card for AI agents and developers, issued by the e-money institution Monavate. This review explains what that card is, who can get it, what we still don’t know about it, and which cards make more sense if you simply want to spend crypto.

Our verdict on the MoonPay card

The MoonAgents Card is an interesting product with a narrow audience. MoonPay announced it in May 2026 as a card that software agents can use to pay for things on their owner’s behalf. The card draws stablecoins straight from a self-custodial wallet at the moment of payment, through a smart-contract authorisation. You manage it through MoonPay’s command-line tool and its agent tooling, not a classic banking app.

For that use case the design makes sense. Your funds sit in your own wallet until a payment is approved, and a regulated issuer stands behind the card. For everyone else it is hard to recommend. MoonPay has not published a fee schedule. It has not listed the stablecoins or chains the card supports. It works only in the UK and Latin America, and there is no physical card. That is why we score it 5.8 out of 10. The number reflects a card that is real and live, but one we cannot price for a normal shopper.

MoonAgents Card at a glance

The table below sums up everything MoonPay has confirmed and marks the gaps. Where a field says “not disclosed”, we looked for an official figure and found none. We prefer leaving a blank to filling it with a guess from a forum thread.

How the MoonPay card works

Most crypto cards, including the popular Crypto.com Card, are custodial. You move coins into the provider’s app, and the provider sells them when you pay. The MoonAgents Card works differently. It spends from a wallet you control. When a merchant asks for payment, the card programme checks a smart-contract authorisation on your wallet. If the payment is allowed, it pulls the stablecoins needed, and Monavate settles in fiat with the merchant through Mastercard.

The “agents” part is the unusual bit. MoonPay built the card so that software, such as an AI assistant running a task, can hold a card and pay within limits you set. You control it through MoonPay’s command-line interface rather than tapping buttons in a consumer app. That is great if you are a developer who wants an agent to buy API credits or book something. It is overkill if you just want to pay for groceries.

The self-custody model is the same broad idea behind the MetaMask Card and the cards in our self-custody guide. It is no coincidence: Monavate is also reported to issue the MetaMask Card outside the US, having absorbed the card company Baanx. It is also the issuer behind the OKX Card in Europe. So the plumbing under MoonPay’s card is not experimental. What is new is the agent-first wrapper on top.

MoonPay card fees and limits

This is the weakest part of the product for anyone comparing costs. MoonPay has not published card fees, FX margins, spending limits or a list of supported stablecoins for the MoonAgents Card. We checked the announcement and MoonPay’s help centre in October 2026 and found none of these figures. Some sites quote numbers anyway. We could not trace them to MoonPay, so we don’t repeat them.

Fees matter more than most people think. On a card with a 2% FX fee, €1,000 of spending abroad costs you €20 before any conversion spread. On a card with a 1% conversion spread on top, the same spending costs €30. Without a fee table, you can’t run that kind of sum for the MoonAgents Card. Our fee guide explains each line to look for once MoonPay publishes its terms, and the limits guide shows how KYC tiers usually cap spending.

The card is virtual only, so there is no ATM access at all. If you want cash from crypto, look at cards with free monthly allowances in our ATM withdrawals guide.

Availability and issuer

MoonPay says the MoonAgents Card is live in the United Kingdom and in Latin America. The US and the EU are listed as “coming soon”, with no date. MoonPay has not published a country-by-country list for Latin America, so check in the sign-up flow before you plan around it. If you live in the UK, our UK card guide covers what else is open to you. Brazilian readers have more choice in our Brazil guide, including Pix-funded cards.

The issuer is Monavate, an e-money institution. Gnosis Pay names Monavate Limited as its card issuer and shows its UK FCA e-money registration. That matters, because a named, regulated issuer is one of our main safety checks. Legitimate programmes tell you who issues the card. Scam “unlimited” cards sold on messaging apps never do.

Custody and safety

The MoonAgents Card scores well on custody. Because the stablecoins stay in a self-custodial wallet until a payment is approved, a problem at the card programme doesn’t automatically put your balance at risk. We saw this play out in 2026. When the Solflare card was paused after its issuer Kulipa wound down, users’ stablecoins were still in their own wallets. Holders of custodial or prefunded cards are in a weaker spot when a programme ends.

Self-custody brings its own risks. If you lose your keys or approve a malicious contract, nobody can reverse it. An agent with spending rights is also a new kind of risk. Set tight limits and review what it can pay for. Our card safety guide covers both sides. Spending stablecoins also creates little or no taxable gain in most countries, but it is still a disposal. See our tax guide before you use any card heavily.

How to get the MoonAgents Card

MoonPay hasn’t published a consumer-style application page, so the steps below follow what it states in its announcement. Expect the flow to change as the product grows.

1. 01
   Check your region

   You must live in the UK or a supported Latin American country. US and EU residents have to wait.

2. 02
   Set up MoonPay’s tools

   The card is managed through the MoonPay CLI and agent tooling, so a developer setup is assumed.

3. 03
   Verify your identity

   MoonPay requires ID verification before it issues the card. There is no anonymous tier.

4. 04
   Connect a self-custodial wallet

   Fund it with stablecoins and set the authorisation that lets the card draw from it.

5. 05
   Set limits for your agent

   Decide what the agent may spend and where, and review payments regularly.

Pros and cons

Better alternatives for everyday spending

If you landed here looking for a MoonPay prepaid Visa or an easy card to spend crypto, these four cards are better documented and easier to get. The MetaMask Card gives you a similar self-custody model with a consumer app, though US and UK sign-ups are paused. KAST offers a free Visa tier in 170+ countries. RedotPay covers much of Asia, Latin America and the Gulf. In Europe, Bleap is self-custody with no FX or conversion fee.

Need something with no account at all for a one-off online purchase? Then a single-load card such as Laso Finance or a Bitrefill prepaid Visa may fit better. Our virtual cards hub lists more instant options. We’ll update this review as soon as MoonPay publishes fees, a coin list or a consumer version of the card. The full list of cards we track is on our reviews page.

Frequently asked questions

Sources and official pages

1. MoonPay newsroom — MoonAgents Card announcement
2. MoonPay Help — supported payment methods
3. MoonPay Help — verifying your cards
4. MoonPay Help — failed or declined purchases
5. Gnosis Pay — Monavate Limited as card issuer
6. MetaMask Card — official page

Ready when you are

Load your card with crypto you own

Buy Bitcoin, Ether or stablecoins with a bank card, Apple Pay or bank transfer, then move them to the card or wallet you choose.

Open account

Exchange running since 2013 · registered with FinCEN (US) and the FCA (UK) · card, Apple Pay or bank transfer

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