Does Zengo charge fees to buy crypto?

Zengo itself does not; buying inside the app is a MoonPay purchase at MoonPay's rate, 4.5% on card, Apple Pay and Google Pay orders with a minimum of about $3.99, or about 1% by ACH where available. Zengo Pro subscribers get up to 50% off those fees. Anytime Capital's card pricing starts from 4% with the spread included and no subscription.

Is Zengo available in the United States?

The wallet is. Buying and selling inside it depends on MoonPay, and Zengo's help center lists some features as unavailable in New York, Louisiana, Texas and the U.S. Virgin Islands. Anytime Capital serves customers worldwide and confirms eligibility, including state by state in the United States, during verification; call the branch to check.

Does Zengo have a phone number?

No. Zengo offers 24/7 in-app live chat and email, which is genuinely well reviewed. Anytime Capital can be reached at (470) 748-2530, by email, at its Atlanta branch, or at its Miami office.

What does Zengo Pro cost?

$19.99 a month or $129.99 a year. It adds security features such as legacy transfer and theft protection and a discount of up to 50% on purchase fees through MoonPay, which only pays for itself at meaningful volume.

No. Zengo is non-custodial, but instead of a seed phrase it splits the signing key between your phone and its servers using multi-party computation, so recovery depends on Zengo's service. Anytime Capital's wallet is also non-custodial, and its cash account is FDIC-insured on the dollar side.

Can I switch from Zengo to Anytime Capital without moving my crypto?

Yes. Both send purchased crypto to a wallet address you control, so nothing needs to move. Create an Anytime Capital account, verify once with your ID and a selfie, and paste the same address at checkout.

How does Anytime Capital pricing compare with Zengo?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. Zengo prices no card rail of its own; buying inside Zengo is a MoonPay purchase at MoonPay's rate, which is 4.5% on card, Apple Pay and Google Pay orders with a minimum of about $3.99, shown before you confirm, and Zengo Pro subscribers get a discount of up to 50% on those fees, with none from Zengo; sending coins out of the wallet costs only the network fee. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at every compliant platform.

Head to head

Zengo

Our pick

Zengo vs Anytime Capital

Zengo is a self-custody wallet with no seed phrase, 24/7 human chat, and a buy button that is really MoonPay at 4.5%. Anytime Capital is a U.S. money services business that serves customers worldwide, with a free non-custodial wallet, card pricing from 4% with the spread included, a branch in Atlanta, a phone line and nine ways to pay. Here is the honest breakdown.

Card orders from 4% with the spread included vs MoonPay's 4.5% inside Zengo
Cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards
Call (470) 748-2530 or walk into the Atlanta branch

Zengo vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 13.

Category	Zengo	Our pick
Card purchase fee	No card rail of its own; buying inside Zengo is a MoonPay purchase at MoonPay's rate, which is 4.5% on card, Apple Pay and Google Pay orders with a minimum of about $3.99, shown before you confirm, and Zengo Pro subscribers get a discount of up to 50% on those fees	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	ACH through MoonPay at about 1% where available	ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not offered; bank funding is MoonPay's ACH where available	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	24/7 in-app live chat and email, staffed by people rather than bots; no phone line	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	The Zengo wallet works anywhere, but buying and selling inside it depends on MoonPay's U.S. licensing, and Zengo's help center lists some features as unavailable in New York, Louisiana, Texas and the U.S. Virgin Islands.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Creating the wallet needs only an email and a device; buying or selling runs MoonPay's verification, with a government ID and a selfie on the first purchase.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Limits are MoonPay's verification tiers; no desk for a large order	Dedicated OTC desk with a named contact
Custody of your coins	Your own wallet; you hold the keys	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Zengo is wallet software, not a money transmitter, and holds no financial license of its own; the on-ramp inside it is MoonPay, a FinCEN-registered money services business with state licenses, and Zengo's security model has been audited and is backed by a bug bounty.	U.S.-based, FinCEN-registered money services business

Card purchase fee

Zengo: No card rail of its own; buying inside Zengo is a MoonPay purchase at MoonPay's rate, which is 4.5% on card, Apple Pay and Google Pay orders with a minimum of about $3.99, shown before you confirm, and Zengo Pro subscribers get a discount of up to 50% on those fees
Anytime: From 4% with the spread included, quoted in full before you confirm

Bank transfer fee

Zengo: ACH through MoonPay at about 1% where available
Anytime: ACH and wire priced per order; wires clear same day for larger amounts

Pay with cash

Zengo: Not offered
Anytime: Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.

Domestic wire

Zengo: Not offered; bank funding is MoonPay's ACH where available

Zengo vs Anytime Capital

Which is better, Zengo or Anytime Capital?

Card pricing at Anytime Capital, where Zengo has no card rail

What Zengo is, and what it is not

Fees: MoonPay's 4.5% inside the app, versus from 4% with the total on screen

A front door, not a chat window

Ways to pay: nine rails versus MoonPay's sheet

Support: the best chat in the category, versus a phone number

More than a wallet: the account that comes with it

When Zengo is the right call

Leaving Zengo? Your wallet address works here too.