# Buying Crypto on fomo With Apple Pay or a Debit Card

> How fomo's card and Apple Pay onboarding actually works, what it costs compared to a bank transfer, and what to check before your first purchase.

*Source: https://fomoappguide.com/guides/getting-started/fomo-apple-pay-card-onboarding*

The single biggest reason people choose fomo over a traditional exchange is this: you can buy crypto with the same card you already use for everything else, without opening a separate account somewhere first. Here's exactly how that works and what to watch for.

> **Key takeaway:** Apple Pay and debit card purchases on fomo are genuinely the easiest on-ramp in this category — no prior crypto account needed. The tradeoff to watch for isn't the payment method itself, it's that this convenience makes it very easy to fund small, frequent trades that get hit hardest by fomo's $0.95 minimum fee.

## How it works

![fomo's home screen with the Deposit button, where Apple Pay and card funding start](/images/getting-started/apple-pay/fomo-apple-pay-screen.webp)

*Source: fomo -- official product image*

## What it actually costs

fomo's own fee schedule (0.50% standard, $0.95 minimum on small Solana orders, 0.05% on select major tokens — see the [full breakdown](/guides/fees)) doesn't call out a separate surcharge specifically for using Apple Pay or a card. That said, card purchases in general can carry costs beyond the platform's own trading fee, depending on your card issuer and network. The number that matters is the total shown on the confirmation screen right before you complete the purchase — always check it, especially on your first transaction with a new payment method.

> **Tip:** If you're testing the app with a small first purchase — say, $10 or $20 — remember that on Solana, orders under 200 USDC carry a flat $0.95 minimum fee regardless of size. A $10 test buy costs $0.95 in fees alone, or 9.5%. That's not specific to Apple Pay or card purchases — it applies the same way to a crypto transfer — but it's worth knowing before your very first tap. See the [full fee math](/guides/fees) for every scenario.

## Why this matters more than it seems

Apple Pay and card onboarding is the actual product decision that makes fomo different from a typical crypto exchange, which usually requires a separate account, a bank link, and a waiting period before your first trade. Removing that friction is genuinely valuable if you're new to crypto — it's also exactly why it's worth reading the fee page before you get several small purchases into the habit of tapping "buy" without checking the total first.

**Buy your first token** — Sign up through our link and get a permanent 10% discount on trading fees. [Get the fomo app](https://fomo.family/r/Concept211)

## Related reading

- [How to Trade on fomo: A Beginner's Guide](/guides/getting-started) — the full first-trade walkthrough
- [fomo Fees Explained](/guides/fees) — the complete fee schedule, worked out in dollars
- [fomo Wallet: Deposits and Withdrawals](/guides/getting-started) — every funding method compared