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.
site reachable · checked 16 h ago · daily check
by the cryptodebitcards editorial desk · review version 4 · prose updated 2026-09-21 · facts as of 2026-09-21 · how we verify
The Moon card is a virtual, prepaid Visa card offered by PayWithMoon, a crypto-native provider. It is designed for online spending and can be loaded with Bitcoin via the Lightning Network. The card has a history of operational issues, including a halt in service around November 2025.
The Moon card has various fees, including a 1% fee on all settled transactions with a minimum of $1.00. There are also fees for excessive transactions, refunds, and chargeback disputes. The first Moon X Card is free, while additional cards cost $2.99. The Moon 1X Card costs $1.49 per card, with no transaction fees. Some fees, such as the top-up fee, are unknown or not fully disclosed.
The Moon card requires basic KYC, with verification triggered at an unknown point. Historically, the service had minimal-KYC virtual cards, but current policy requires verification. The onboarding process involves email-based verification, and the issuance and shipping time for the virtual card are not specified.
The Moon card supports direct loading with Bitcoin (BTC) and Bitcoin via the Lightning Network (BTC-LN). There is no support for other cryptocurrencies through in-app conversion. The minimum top-up amount is not specified, and the settlement process involves purchasing Moon Credit with BTC, which can then be used to load the card.
The Moon card does not offer any cashback or rewards program, as stated in the official FAQ and Terms & Conditions.
The operator, PayWithMoon, has a history of incidents, including the loss of its banking partner in 2023 and a second provider collapse around November 2025, resulting in cards being blocked and withdrawals being stuck. The service has been halted since then, and support has been unresponsive. Red flags include the sudden blocking of cards, forced re-KYC, and the site still marketing the product despite its halted state.
You should exercise caution with the Moon card, as its operational history and current state raise concerns. The service has been halted since late 2025, and support has been unresponsive. It is not recommended to load funds onto the card until its issues are resolved.
| Monthly | none |
|---|---|
| FX fee | 0% (own markup) |
| Fine print | Official FAQ + Terms & Conditions (Wayback 2026-09-01; live site is Cloudflare-403 to bots). Moon X Card (reloadable, virtual Visa, valid 3 years): first card FREE, each additional card $2.99; 1% fee (minimum $1.00) on ALL settled transactions; 'We do not charge any FX or foreign transaction fees'; no monthly/annual/maintenance fee anywhere in the fee enumeration. Moon 1X Card (single-load, non-reloadable): $1.49 per card, no transaction fees, min $5 / max $1,000, valid 2 months. Platform-wide: $0.50 excessive-transaction fee per decline/reversal/refund beyond 20 per month; $40 excessive-refund fee (>3 refunds and >$250 and >15% of transacted value); $25 over-clearing fee; $17.50 chargeback dispute fee; card balances are forfeited at expiry ('card products will be charged a fee upon expiry equivalent to the remaining balance'). Moon Credit (the spend balance) is purchasable with BTC on-chain/Lightning, USDT-TRC20, USDC-Polygon; the FAQ lists no top-up fee, but the Terms reserve an unspecified 'purchase handling fee' for Moon Credit purchases - fee_topup_pct therefore unknown. Limits: spend $4,000/month across all cards; Moon Credit purchases $10,000/day, $30,000/month; card creation 10/day, 30/month. Virtual online-shopping cards - no ATM functionality mentioned in any official document. WARNING: the program has been effectively halted since ~2025-11-30 (cards blocked en masse, withdrawals stuck - see moon.json/moon-social.md); this schedule documents the marketed product, not current operability. |
Run the numbers: true-cost calculator for this card →
Ready to try Moon? Start small: minimum load, one test payment, one withdrawal.
Based on our checks as of 2026-09-21: Moon scores 3.5/10 in our weighted review. We logged 3 red flags (listed above). Current status: watch - 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. User reports and the operator background are documented with dated sources in the meta-review below.
Yes, basic KYC is required.
The card charges a 1% fee on all settled transactions, with a minimum of $1.00, and other fees for excessive transactions, refunds, and chargeback disputes.
You can load Bitcoin (BTC) and Bitcoin via the Lightning Network (BTC-LN) directly.
No, the Moon card does not offer any cashback or rewards program.
The card is available globally, but some countries may be excluded.
The service has a history of operational issues and red flags, making its safety and legitimacy uncertain.
The Moon card is a virtual, prepaid Visa card.
The old Nuri bank is dead (2022 insolvency, customers moved to Vivid) - but the brand relaunched at nuri.com as an Estonian self-custody wallet with a free Visa card, IBAN and 130-country reach. Verify listing: card issuance, fees and the provider stack behind the banking rails are unverified; no community track record exists yet.
The most polished Lightning-native card pitch on the market: instant virtual Visa, Lightning Address top-ups, explicit no-KYC stance, Google Wallet and Tor support. Counterparty risk is substantial - the operator stays anonymous, the service is in its launch phase, and card balances are custodial.
A crypto-banking platform whose card program requires verification before use - a verify listing, not a recommendation.
No comments yet - be the first. No account needed; the anti-spam proof runs in your browser.