Does Zengo have hidden fees?

Not hidden, but layered: 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, plus none from Zengo; sending coins out of the wallet costs only the network fee. Read the confirmation screen, not the marketing page.

Which Zengo payment method costs the least?

Bank transfer: ACH through MoonPay at about 1% where available. It is also the slowest, because the order completes when the transfer settles.

What does a $1,000 card order cost at Anytime Capital?

From $40 all-in before the network fee, with the crypto you receive shown before you confirm. Zengo routes card purchases elsewhere, so its total is whatever that partner shows in checkout.

Does Zengo Pro change the fee to buy crypto?

Zengo Pro costs $19.99 a month or $129.99 a year and discounts MoonPay's purchase fees inside the app by up to 50%, so the subscription is paid up front and the discount applies only to MoonPay purchases made through Zengo. Anytime Capital's pricing starts from 4% with the spread included on the first dollar, with no subscription.

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.

Fees

Zengo

Our pick

Zengo fees, explained line by line

Every platform quotes one number and charges several. Here is what Zengo actually takes on a purchase, what it leaves out of the headline, and what the same order costs at Anytime Capital.

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
Trading: in-app swaps carry a processing fee of up to about 3% plus a market spread, depending on the route

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 15.

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
Withdrawal fees	none from Zengo; sending coins out of the wallet costs only the network fee	Network fee only when sending to your own wallet
Fee display at checkout	Trading, deposit and withdrawal lines shown separately	One total and one amount received, plus the network fee

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