How to buy MONEY
Every route into Defi.money — exchanges, on-ramps, neobanks and DEXs — compared on what a purchase actually costs. MONEY is a $13.98M asset with a safety score of 64/100.
Where to get MONEY
Every venue that sells Defi.money, ranked by what a purchase actually costs once fees, spread and the withdrawal to your chain are counted.
Cheapest route: Transak — you receive about $981 of MONEY from $1,000 (1.89% all-in, straight to your wallet).
| Venue | Type | Fee | Spread | Withdrawal | All-in cost | You receive | Verified | Go |
|---|---|---|---|---|---|---|---|---|
| On-ramp | 0.99% | 0.90% | direct to wallet | $19 1.89% | $981 | 2026-08-11 Fee accurate? | Buy on Transak | |
| On-ramp | 1.00% + $4 | 1.00% | direct to wallet | $24 2.40% | $976 | 2026-08-11 Fee accurate? | Buy on MoonPay | |
| On-ramp | 1.50% | 1.20% | direct to wallet | $27 2.70% | $973 | 2026-07-28 Fee accurate? | Buy on Banxa |
Estimates built from published fee schedules — the final price is shown at venue checkout. Partner links never change this ranking.
The three ways to get MONEY, and who each suits
Buy on an exchange. Fund with a bank transfer, trade at a published maker/taker fee, withdraw to your own wallet. Cheapest per dollar and the only sane option above a few thousand dollars — but you pass full KYC, you wait for the deposit rail, and the withdrawal fee is a real line item you must choose around.
Use an on-ramp widget. MoonPay, Transak and Banxa deliver MONEY straight to your wallet address, so there is no withdrawal fee at all. You pay for that in the spread: typically 1% on a bank rail and 4%+ on a card. Right for small amounts, for a first purchase, or when you want the tokens in a self-custody wallet immediately.
Swap on a DEX. If you already hold crypto, Curve, Uniswap or Jupiter will convert it for a few basis points plus gas. No account, no waiting. It cannot help you convert money into crypto in the first place, and on Ethereum the gas can dwarf the pool fee on small trades.
The fee traps
- The card premium. The same $1,000 costs roughly $10 by bank transfer and $40-50 by card at most venues. The quoted "no fees" instant-buy screens hide it in the rate, not in a fee line.
- The instant-buy spread. An exchange's simple-buy button and its trading interface are different prices for the same order. The pro interface is often 5-10x cheaper for identical execution.
- The wrong-chain withdrawal. Withdrawing MONEY over Ethereum can cost $5-8 at a venue that charges cents on Solana, Base or Tron. Check the withdrawal tab above before you place the order, not after.
- The bridge you did not plan for. Receiving on a chain your wallet or protocol does not support means paying to bridge, plus bridge risk. Pick the destination chain first, then pick the venue that serves it cheaply.
How to choose the chain
Decide where the money will be used, not where it is cheapest to receive. If you are farming yield, receive on the chain where the pool lives. If you are paying people, receive where they can accept it — in practice Tron and Solana for retail transfers, Base and Arbitrum for DeFi, Ethereum only when a counterparty insists on it. Venues in our dataset can deliver MONEY on Arbitrum, Base, Ethereum, Optimism, Polygon.
Put it to work
No yield on MONEY currently clears our vetting bar ($100M+ TVL, 1yr+ track record). Rates below that bar exist — see the yield hub for the unvetted list and why we separate them.
Alternatives worth knowing
Spend it
No card in our directory spends MONEY directly. Swapping into USDC or USDT first is the usual route — factor the swap cost in.
Compare every cardBuying MONEY — common questions
+ − What is the cheapest way to buy MONEY?
For most people a bank transfer into a major exchange is cheapest: trading fees are a fraction of a percent, versus roughly 3-5% on a card purchase through an instant-buy widget. The saving only holds if you also pick a cheap chain for the withdrawal — an Ethereum withdrawal can cost more than the trading fee itself.
+ − Why does buying MONEY with a card cost so much more?
Card purchases carry the card scheme's cost, chargeback risk and a wider quoted spread. Expect 3-5% all-in versus well under 1% for a bank transfer. Cards make sense for small, urgent amounts only.
+ − Which chain should I receive MONEY on?
Pick the chain where you will actually use the token. Widely supported options include Arbitrum, Base, Ethereum, Optimism, Polygon. Moving between chains later costs a bridge fee and adds bridge risk, so choosing correctly up front is worth more than a few basis points of trading fee.
+ − Do I have to use KYC to buy MONEY?
Exchanges, on-ramps and neobanks all require identity verification. A DEX does not, but it can only swap crypto you already hold — you still needed a regulated venue to convert money into crypto in the first place.
+ − Are the fees on this page live?
They come from each venue's published fee schedule and every row shows the date we last verified it. Anything older than 30 days is flagged as stale. The final price is always the one shown at venue checkout.
Estimates from published fee schedules — the final price is shown at venue checkout. Nothing here is financial advice.