Which Zengo alternative is clearest on fees?

Anytime Capital: one all-in number from 4% on card, Apple Pay and Google Pay orders, spread included, with the amount you pay and the crypto you receive both shown before you confirm.

Which Zengo alternative accepts cash?

Anytime Capital, in person at the Atlanta branch or by mail. Zengo and the major exchanges do not take cash.

Which alternative has a phone number?

Anytime Capital, at (470) 748-2530 during business hours.

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.

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.

Alternatives

Zengo

Our pick

The best Zengo alternative

Q: 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.

If you are leaving Zengo it is probably for one of these reasons: no card rail of its own; buying costs moonpay's 4.5% unless you pay for pro, buying and selling unavailable in several u.s. states, no cash, no wire, no phone, no office, and no dollar account. Anytime Capital fixes those, and here is how it stacks up against the other names on your list.

Card pricing from 4% with the spread included
Cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards
Atlanta branch, Miami office, and a phone number that answers

Get the free wallet Call (470) 748-2530 Buy Bitcoin now

Updated September 2026. Zengo figures from its published pricing, terms and independent reviews.

FinCEN-registered U.S. money services business
Atlanta branch · Miami office
8,000+ completed trades
FDIC-insured cash account

Quick answer

What is the best alternative to Zengo?

Anytime Capital, wherever you are: a FinCEN-registered U.S. money services business serving customers worldwide, with card pricing from 4% with the spread included, 9 ways to pay including cash and same-day wire, an OTC desk for larger orders, an FDIC-insured cash account with a free debit card, and walk-in offices in Atlanta and Miami. Choose Zengo if the wallet itself is the point: keyless MPC self-custody with no seed phrase to lose, 24/7 human chat inside the app, in-app swaps, and an embedded MoonPay buy flow for topping up coins you plan to hold in that wallet.

Get the free wallet Call (470) 748-2530 Buy Bitcoin now

4%
Anytime Capital card pricing from
Anytime Capital
9
ways to pay
Anytime Capital
2
walk-in offices
Anytime Capital
188
Zengo at a glance
Compared platform

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

Published fee percentages on a debit or credit card order

Zengo does not sell crypto for a card payment directly: 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 Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.

Why people look for a Zengo alternative

People look past Zengo for two different reasons, and it helps to know which one you have. If the problem is buying, the reasons are MoonPay's 4.5% card fee inside the app, the Pro subscription needed to bring it down, states where the buy button is missing, and the absence of any cash, wire or phone option when a card is declined. If the problem is the wallet, the reasons are the recovery model, which depends on Zengo's servers and a face scan, and the lack of a dollar side.

For the buying problem, a good alternative should offer one all-in published price with no subscription, more rails, a person to call, and delivery to a wallet you control, including a Zengo address if you like the wallet. Anytime Capital was built around that: card pricing from 4% with the spread included, nine payment methods including cash and same-day wire, an OTC desk for size, a free non-custodial wallet, an FDIC-insured cash account with a debit card, and a branch in Atlanta at (470) 748-2530.

No card rail of its own; buying costs MoonPay's 4.5% unless you pay for Pro
Buying and selling unavailable in several U.S. states
No cash, no wire, no phone, no office, and no dollar account
Recovery relies on Zengo's servers staying up and on its guarantee

Anytime Capital: the alternative with a front door

Anytime Capital keeps the fast checkout and adds everything an online-only platform cannot. Card, Apple Pay and Google Pay orders confirm in minutes from 4%. ACH, same-day wire, Cash App, cash at the Atlanta branch and cash by mail cover every other way an American actually pays. An OTC desk handles size with a named contact. And the account that comes with it, an FDIC-insured cash balance with a free virtual debit card and a non-custodial wallet, means you can buy, hold, sell and spend without leaving. When something needs a human, (470) 748-2530 reaches one, and 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 is a real door.

A front door, not a chat window

Zengo is built to be used through a screen. We are built to be visited. Bring cash, bring questions, or bring a problem another platform could not solve.

Atlanta branch: 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324
Hours: Mon–Fri 10am–5pm · Sat 10am–2pm
Phone: (470) 748-2530

Anytime Capital branch storefront on Piedmont Road in Atlanta — Atlanta branch, Piedmont Road NE

One Biscayne Tower in Miami, home of the Anytime Capital Miami office — Miami office, One Biscayne Tower

When Zengo is still the right call

Choose Zengo if the wallet itself is the point: keyless MPC self-custody with no seed phrase to lose, 24/7 human chat inside the app, in-app swaps, and an embedded MoonPay buy flow for topping up coins you plan to hold in that wallet.

No seed phrase: multi-party computation splits the key between your phone and Zengo's servers
24/7 human support inside the app, rare for a wallet
Apple Pay, Google Pay, cards and ACH through MoonPay, with a Pro discount
Non-custodial, with recovery through email, a face scan and a recovery file

How to switch in ten minutes

Create an Anytime Capital account, verify with your ID and a selfie, pick a coin and a payment method, and paste the same wallet address you used on Zengo. Your first order can be as small as you like to confirm it lands where you expect.

Leaving Zengo? Your wallet address works here too.

Verify once with your ID and a selfie, pick a coin, choose any of nine ways to pay, and paste any wallet address you control. Card and Apple Pay orders confirm in minutes; wires settle the same business day.

Get the free wallet Open a free account

Non-custodial wallet, or your own address
FDIC-insured cash account with a free debit card
(470) 748-2530 during business hours
Walk-in branch in Atlanta, office in Miami

Side by side

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
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Zengo
Yes
Anytime
Yes
Talk to a human
Zengo
24/7 in-app live chat and email, staffed by people rather than bots; no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Zengo
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Zengo
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.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Zengo
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.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Zengo
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Zengo
Limits are MoonPay's verification tiers; no desk for a large order
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Zengo
Your own wallet; you hold the keys
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Zengo
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.
Anytime
U.S.-based, FinCEN-registered money services business

Ways to pay

9 ways to pay here. 4 at Zengo.

The rails Zengo has, it runs well. The ones it does not have are the ones a customer reaches for when a card is declined, an amount is large, or the money is in cash.

MethodZengoAnytime Capital

Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webYesYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereYesYes
ACH bank transferLower cost, settles in business daysLimitedYes
Domestic wireSame-day for larger ordersNoYes
Cash AppPay from your Cash App balanceNoYes
Cash in personAtlanta branch, counted at the counterNoYes
Cash by mailFrom anywhere in the U.S.NoYes

Coins

Every major coin, one checkout

Most of the volume on any platform is in the same few dozen coins. Every one below has its own buy page here, with Apple Pay, card, ACH, wire and cash at checkout.

How it works

Three steps from Zengo to here

1
Verify once
Government ID and a selfie, online in minutes. Stuck? Call the branch or come in and finish it in person.
2
Pay your way
Apple Pay, Google Pay, card, ACH, wire, Cash App, cash in branch or cash by mail. The full price is on screen before you confirm.
3
Receive and keep going
Coins land in your own wallet or the free Anytime Capital wallet. Sell back to an FDIC-insured cash account and spend with the debit card.

Get the free wallet Call (470) 748-2530 Buy Bitcoin now

Ready to leave Zengo behind?

Anytime Capital is a U.S. money services business serving customers worldwide, with a branch in Atlanta, an office in Miami, and card pricing from 4% with the spread included. Verification takes minutes, nine payment methods are live, and (470) 748-2530 reaches a person during business hours.

Wire transfer
Cash in person

Get the free wallet See fees & limits

Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.

Questions