MoonPay alternative for USDT by bank or mobile money
For card payments, or buying crypto in the US, UK or EU, keep MoonPay. For USDT by bank or mobile money, Unigox is a MoonPay alternative: P2P merchants or payment businesses pay you or take your payment.
When Unigox fits better than MoonPay
You want the money in a bank account or mobile money wallet
On Unigox, whoever buys your USDT pays you by bank transfer or mobile money. Outside the US, the UK and the EU, MoonPay pays a sale only to a card, in the countries on its Visa and Mastercard lists.
You pay with mobile money, not a card
MoonPay's list of payment methods names no mobile money. On Unigox you pay the P2P merchant or payment business locally, mobile money included.
When to stay with MoonPay
You are in the United States
Unigox does not currently offer its services in the United States; MoonPay holds money transmitter licences in US states but does not offer USDT in New York.
You pay by card, Apple Pay or Google Pay
MoonPay takes all three in every region it serves, and wallets that show a Powered by MoonPay logo let you buy without leaving the wallet.
You buy crypto in the UK or the EU
MoonPay takes SEPA in the EU and Faster Payments in the UK, and charges EU residents up to 1% on bank transfers.
You buy coins other than stablecoins
MoonPay sells about 60 coins, including Bitcoin, Ether and Solana.
MoonPay vs Unigox
| Topic | MoonPay | Unigox |
|---|---|---|
| What it is | An app, also built into partner wallets, for buying crypto by card, Apple Pay, Google Pay or bank transfer and selling it to a bank account or card. You buy from and sell to MoonPay itself. | A place to swap USDT and USDC with local money, with P2P merchants and payment businesses on the other side of each trade. |
| Currencies | 33 fiat currencies for buying crypto, fewer for selling. | Currencies, and whether you can buy or sell USDT in each, change with the P2P merchants and payment businesses active each day. |
| How you pay when buying | Card, Apple Pay or Google Pay in every region. MoonPay Balance, PayPal, Venmo, Revolut, SEPA, UK Faster Payments, PIX, Interac and Cash App only in the regions MoonPay names. | A local payment to the merchant or payment business you trade with, such as a bank transfer or mobile money. |
| How a sale reaches you | In the US, UK and EU: a bank transfer (ACH, SEPA or Faster Payments), a MoonPay Balance, a card or, in most, PayPal. Venmo and Cash App in the US; no payout in Texas. Elsewhere, a card payout only, in the countries on MoonPay's Visa and Mastercard lists. | Local currency from the merchant or payment business, to your bank account or mobile money wallet. |
| Fees | Fee: up to 4.5% outside the European Economic Area (EEA), the UK included, or none with a MoonPay Balance there. In the EEA, 0% to 5%, up to 1% by bank transfer.
| The P2P merchant or payment business you trade with sets the rate, and the Unigox fee is already in it. Before you confirm, you see the rate for your exact amount. |
| Where the crypto goes | Crypto you buy goes to the wallet address you give. To sell, you send crypto to a deposit address MoonPay creates for that order. | You can move USDT or USDC between Unigox and an outside wallet before or after a trade. During a trade the crypto sits in an on-chain escrow that Unigox can release only to the buyer or the seller. |
| Identity check | A government ID and a liveness check or selfie. Limits rise in steps, and MoonPay asks for more documents, such as proof of address under three months old, as you transact more. | Before your first trade, at any amount: a photo of your ID and a short selfie. |
| Regulation | Registered in the UK (FCA), Canada (FINTRAC) and Australia (AUSTRAC); a crypto authorisation and an e-money licence in the Netherlands; money transmitter licences in US states, New York included. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMoving a MoonPay purchase or sale to Unigox
Redo the ID check on Unigox
Your MoonPay check does not carry over. Unigox asks for a photo of your ID and a short selfie before your first trade.
Move USDT you bought through MoonPay
To sell it, send the USDT from the wallet address you gave MoonPay to the deposit address your Unigox Wallet shows, on a network both wallets offer. The sending wallet may charge a network fee.
Sell: get local money
Choose Sell, your currency and the amount, and confirm the rate shown. The money comes to your bank account or mobile money wallet; if a P2P merchant paid you, confirm it once you see it.
Buy: pay locally, get USDT
Pay the merchant or payment business by bank transfer or mobile money. The USDT arrives in your Unigox Wallet, and you can send it on to your own wallet.
Questions about MoonPay alternatives
What is a good alternative to MoonPay for USDT?
If you want to swap USDT or USDC with local money by bank transfer or mobile money, Unigox is one. If you are in the US, pay by card or Apple Pay, buy crypto in the UK or the EU, or want coins other than stablecoins, stay with MoonPay.
Is Unigox a MoonPay competitor for bank and mobile money payouts?
For USDT, yes: whoever buys your USDT on Unigox pays you into your bank account or mobile money wallet. Outside the US, the UK and the EU, MoonPay's payout lists offer only a card payout.
How much does MoonPay charge, and where is the Unigox fee?
MoonPay's fee is up to 4.5% outside the European Economic Area (EEA), or none there if you use a MoonPay Balance, and 0% to 5% inside it, with a minimum fee on small orders and a spread in its price. On Unigox the fee is already in the rate you see for your exact amount before you confirm.
Are there sites like MoonPay in countries it does not serve?
Unigox is one wherever it lists your currency, and it lists the currencies that P2P merchants or payment businesses are trading that day. Pakistan and Uganda are both on MoonPay's unsupported list. Section 6.4 of the Unigox Terms of Service sets out where Unigox offers its services.
Unigox Terms of ServicePrice one purchase on Unigox and on MoonPay
Enter the amount you would spend on MoonPay, in the same currency, on the day you trade. MoonPay adds its fee, or a minimum fee on small orders, to the asset price; Unigox shows the rate with its fee in it before you confirm.
MoonPay and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.