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.

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

Q: 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.

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.

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
Anytime Capital cards from 4%, shown in full before you pay

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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

How much does Zengo charge?

Zengo charges 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 fees are in-app swaps carry a processing fee of up to about 3% plus a market spread, depending on the route. Bank transfers: ACH through MoonPay at about 1% where available. Withdrawals: none from Zengo; sending coins out of the wallet costs only the network fee. Blockchain network fees are added on top. Anytime Capital card, Apple Pay and Google Pay orders start from 4% with the full price on screen before you confirm.

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Layered
Zengo pricing structure
Compared platform
3
separate fee lines at Zengo
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

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.

What Zengo charges, in order

Zengo is free to download and free to hold coins in, and sending them out costs the blockchain network fee and nothing more. The fee questions all live behind the buy and sell buttons, and the answer to each is MoonPay. A card, Apple Pay or Google Pay purchase inside Zengo carries MoonPay's 4.5% fee with a minimum of about $3.99; an ACH purchase, where MoonPay offers it, carries about 1%. Zengo shows the fee before you confirm and says plainly that it does not control it. Selling is the same in reverse, at MoonPay's sell rate, with the payout on MoonPay's timeline.

Zengo's own lever on price is the Pro subscription, $19.99 a month or $129.99 a year, which cuts purchase fees by up to 50%. The discount applies only to purchases made through MoonPay inside the app, and only after $129.99 has left your account. In-app swaps are another route: up to about 3% in processing fees plus a market spread, depending on the pair. None of that is hidden, and Zengo's help center is unusually candid about it.

Anytime Capital's card pricing starts from 4% with the spread included on the first dollar with no subscription, and the quote shows the amount you pay and the crypto you receive before you confirm. On a $1,000 card order that is from $40 here against $45 inside Zengo without Pro, and there is nothing to buy first. The coins can be delivered to a Zengo address if that is where you want to hold them.

Network fees, spread, and the number that matters

Both platforms add the blockchain network fee to send your coins. What differs is how the price is presented. Zengo's schedule is spread across trading, deposit and withdrawal lines. Anytime Capital shows one number for what you pay and one for what you receive. The second number is the only one worth comparing: screenshot both checkouts on the same $1,000 order and look at how much crypto lands.

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

The rails where the fee question barely applies

Zengo has no cash rail at any price and no domestic wire desk. At Anytime Capital, cash in the Atlanta branch and cash by mail are priced like any other order, and wires for larger amounts are handled by the OTC desk with a locked quote. For a customer moving real size, a wire costs a fraction of any card rail, at Zengo or anywhere else.

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

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