Best Solana Memecoin App With Apple Pay (2026): FOMO vs Pump.fun
Short answer: both apps let you pay with Apple Pay or a card. Pump.fun charges a 0.45% Platform Fee (0.40% with code VIP25), lets you add the code later and gives new mobile users an up-to-$50 match under conditions. FOMO charges 0.50% (0.45% with VIP50) from 190 USDC on Solana, uses minimum fees below that, and only accepts a code at sign-up.
FOMO vs Pump.fun at a Glance
| FOMO | Pump.fun | |
|---|---|---|
| Pay with | Apple Pay or debit card (Coinbase-powered on-ramp), or USDC deposits on Solana, Base, BNB Chain, Monad and Ethereum | Card, Apple Pay or Google Pay in the mobile app, or a SOL transfer to your wallet |
| Fee without a code | 0.50% (Solana orders from 190 USDC, all orders on other chains) | 0.45% Platform Fee |
| Fee with a code | 0.45% with VIP50 | 0.40% with VIP25 |
| Small Solana trades | Minimum fees under 190 USDC: 0.10 USDC, 2% or 0.95 USDC | Platform Fee as a percentage; bonding-curve and PumpSwap pool fees are separate and no code changes them |
| When to apply the code | Until your first trade (open fomo.family/r/VIP50 first) | Any time in Profile -> Rewards, new and existing wallets (Terms Section 4.9(b)); before your first in-app purchase for the match |
| New-user bonus | None documented; the code gives the 10% fee discount | Up to $50 match for new mobile-app users (conditions below) |
| Wallet | Self-custodial passkey wallet | Self-custody |
Sources: help.fomo.family: Trading fees on fomo; pump.fun/docs/referral-rewards; pump.fun Terms and Conditions, Section 4.9(b). Fee schedule check: Nov 6, 2026.
What One Buy Costs (With the Code)
- 20 USDC / $20: FOMO 0.40 USDC (2% tier); Pump.fun $0.08 Platform Fee.
- 100 USDC / $100: FOMO 0.95 USDC (flat tier); Pump.fun $0.40.
- 500 USDC / $500: FOMO 2.25 USDC (0.45%); Pump.fun $2.00.
Platform trading fee only. On Pump.fun, bonding-curve or pool fees can apply on top; on both apps price impact and slippage are extra.
Which One Fits You
- Small, frequent buys: Pump.fun, because FOMO's minimum fees cost 0.95% to 2% under 190 USDC.
- You already have an account: on Pump.fun you can still add VIP25 for the lower fee; on FOMO you can add one only if you have not traded yet.
- Social feed and other chains: FOMO lets you follow other traders and trade on Solana and seven EVM networks, including Base, BNB Chain, Ethereum and Monad.
- Either way: memecoins can lose all of their value. Start with an amount you can afford to lose.
Pump.fun Up-to-$50 Match: Conditions
- New Pump.fun users of the mobile app only.
- Apply the code before your first purchase through an in-app payment provider (card, Apple Pay or Google Pay).
- Matched up to $50, paid under Part A (5-Day Installment Offer: 5 qualifying trading days within 10 UTC days) or Part B (Lump-Sum Offer: one credit after a review of up to 2 days), subject to review and the program budget (Deposit Match Program Terms, updated November 3, 2026).
- Not available in the United Kingdom, Brazil, Indonesia, Nigeria or sanctioned countries.
Source: pump.fun/docs/referral-rewards. Installment amounts: $50 deposit match payout schedule.
How to Start With the Code
Pick the app
Pump.fun for small buys and a code you can still add later; FOMO for its social feed and trading on several chains.
Open the invite link first
FOMO: open https://fomo.family/r/VIP50 before you create the account. Pump.fun: open https://pump.fun/u/VIP25, or enter VIP25 in Profile -> Rewards.
Pay with Apple Pay or card
On Pump.fun, apply the code before this first in-app purchase if you want the up-to-$50 match.
Check the fee line
The order preview should show 0.45% on FOMO (Solana orders from 190 USDC) or a 0.40% Platform Fee on Pump.fun.
Sources and Disclosure
- FOMO fees: help.fomo.family: Trading fees on fomo
- Pump.fun existing wallets: pump.fun Terms and Conditions, Section 4.9(b)
- Pump.fun match: pump.fun/docs/referral-rewards
- Our codes: VIP50 on FOMO (fomo.family/r/VIP50), VIP25 on Pump.fun (pump.fun/u/VIP25). Every valid code on each app gives the same discount; codes promising 25% to 100% off are fake.
Partner link: Trenchfees may earn a referral fee share at no extra cost to you (see Terms).
Frequently Asked Questions
Can I buy Solana memecoins with Apple Pay on FOMO?
Yes. FOMO lets you buy USDC with Apple Pay or a debit card through a Coinbase-powered on-ramp, or you can deposit USDC on a supported chain.
Can I use Apple Pay on Pump.fun?
Yes, in the Pump.fun mobile app (card, Apple Pay or Google Pay). New users who apply a code such as VIP25 before that first purchase can get the up-to-$50 match.
Which app is cheaper?
Under 190 USDC, Pump.fun (0.40% Platform Fee with VIP25), because FOMO charges minimum fees there. From 190 USDC on Solana, FOMO is 0.45% with VIP50 and Pump.fun 0.40% with VIP25, plus any bonding-curve or pool fees on Pump.fun.
Does FOMO have a $50 sign-up bonus?
No sign-up bonus is documented. A FOMO referral code gives the 10% fee discount (0.50% to 0.45%), and every valid code gives the same 10%.
When do I have to enter the code?
FOMO: only when you create the account. Pump.fun: any time for the 0.40% fee (Section 4.9(b) of the Terms), but before your first in-app purchase if you want the match.
Is the Pump.fun $50 match available in the UK?
No. It is not available in the United Kingdom, Brazil, Indonesia, Nigeria or sanctioned countries. The 0.40% fee is not affected by that exclusion.