A Closed Programme, a Deadline, and the Cards Left Behind

Updated October 2026

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The 1inch Card is not something you can sign up for today. The programme’s own notice says it is being discontinued and that new applications are closed; the advice it gives is that holders move their balance out by 18 December 2026 at the latest. So this page is not a buying guide. It is for the two people who might be reading it: someone who already holds a 1inch Card and is deciding what to do with the money sitting on it before the date arrives, and someone who saw the card mentioned somewhere and is trying to work out whether it is still an option. My score for it as a card you could actually rely on today is 4.4 out of 10 — low, and not because the card was badly built, but because a card that is being wound down is not a card.

The conditions described here are current as of October 28, 2026. The publication year is 2026; where a fact below carries its own date, that date is the real one from the record.

I will walk through, in order: the score and who the card suits, what actually happened to the programme and when, what to do if you already hold one, what can go wrong if you are still holding one, what to take instead, who I would recommend it to, and then the questions people type into search, answered.

Verdict: 4.4 out of 10, and the reason is the shutdown

A score of 4.4 out of 10 sounds harsh for a card that, in its time, did a lot of things right. It is worth separating two questions that get tangled together: was the card a good card, and is it a card you can use? On the second question the answer is no, and that is what a score has to measure. When a programme is closing, the everyday strengths of the card — it was a physical and virtual Mastercard you could load with crypto, it was meant for daily spending — stop counting for anything, because there is no future spending to do.

The card suited people who wanted a plain Mastercard for day-to-day spending, funded from crypto, without holding a bank account in their own name. It did not suit people who needed the card to still exist in two years, and it is now actively unsuited to anyone at all, because you cannot join. It is a card for existing holders to exit, not for a new applicant to consider.

The two marks at opposite ends of the table tell the story. Everyday use is the highest mark in the set, because the physical and virtual Mastercard design was genuinely the point of the product. Reliability is the lowest, because “reliability” for a card means it is still there next month, and this one is not. Cost sits high on unofficial figures alone — a $0 annual fee and 0% FX look excellent, but I did not see any of it confirmed on the card’s own public pages, so I have marked it on what third parties report and told you so.

What happened to the programme, and when

The timeline is short and clear. The 1inch Card launched on 8 April 2024 with Mastercard and Crypto Life; the launch blog was later updated on 8 May 2026. Then came the shutdown: the programme’s notice says the card is being discontinued, new sign-ups are closed, and the recommended date to have moved your balance out is 18 December 2026. The notice does not itself carry a publication date, so I cannot tell you how long you have been able to sign up for the card — only that you can no longer.

Three companies are named in this story, and it helps to keep them apart, because “who is 1inch in all this” is a fair question to ask and the answer has layers:

• The card issuer is Monavate Ltd in the UK, or UAB Monavate in the EU — an authorised e-money institution.
• The card provider is Crypto Life, legally Frozen Time UNIPESSOAL LDA in the EU or Baanx Group Ltd in the UK.
• The brand on the front is 1inch, the crypto aggregator that launched the programme.

The card itself was a physical and a virtual card issued through Crypto Life and described at launch as running “powered exclusively by the Mastercard network.” As for the details you would normally read on a card review page — which countries were eligible, what KYC levels existed, what the annual fee was, what the FX and conversion fees were, which wallets could top it up, what the rewards or tiers were, what currency it carried — none of that is stated on the current notice. The notice is a closure notice, not a product sheet. Where unofficial sources add colour, I flag them as unofficial and attribute them.

Some context on the unofficial picture, because it helps you understand what you are leaving. Third-party listings, not the card’s own pages, put availability in the EEA and the UK and not in the US; they say KYC was required with a basic tier at lower limits; they give an annual fee of $0, an FX fee of 0% and a crypto conversion fee of 1.75% on every transaction, with one other aggregator reporting a 2% card spend fee alongside the 1.75% conversion fee; they mention Apple Pay and Google Pay; and they describe cashback of 2% in BXX or 1% in BTC/USDT chosen at purchase — a description that is itself a little confused, sliding between “1INCH tokens” and BXX. Take all of that as background colour, not as terms you can rely on.

If you already have the card: what to do with your money

This is the section that matters most, so read it as instructions rather than as review. The card’s own advice is to withdraw or spend your balance as soon as reasonably possible, by signing in to the card account, and it gives 18 December 2026 as the furthest foreseeable date. Those timelines are set by the issuer and the card provider, not guaranteed, which is the polite way of saying: do not plan to be the person testing how firm that date is.

Where your balance actually sits matters, and it may not be where you think. Balances sit in an e-wallet issued by Monavate, not by 1inch. That is a genuinely useful thing to know in a shutdown, because an e-money institution is a regulated kind of counterparty in a way a crypto app is not. Under section 16 of the issuer’s card terms, remaining e-wallet funds can be redeemed for up to six years after the account is closed. That is a redemption window, not a promise that everything is frictionless, and withdrawal fees are not stated anywhere I could find. What I would do: log into the card account now rather than in November, spend or withdraw what you can, and keep a record of every movement in case support asks questions later.

Support has a defined route too. Card balance, status, KYC, closure and personal-data requests go to Crypto Life support, by email or by the chat inside the card account. If Crypto Life does not respond, you contact 1inch support with the request, the date and the channel you used; 1inch logs the case and escalates it, but it cannot action account-level requests itself. That is an honest description of a two-tier support chain, and it tells you who to push first: the card provider, not the brand. Languages and support hours are not stated.

A few of the everyday details that holders would normally look up — ATM fees, spending limits, how to fund the card — are not stated on the card’s own pages. Unofficial listings say the ATM fee is 2% with a $500 daily ATM limit, a daily spending limit of $8,000 (one directory instead lists EUR 8K daily and EUR 5K monthly), and that the spendable assets were 1INCH, ETH, USDT, USDC, BTC, LTC, XRP and BXX. The launch blog described the card in the simplest possible terms: it needs only “crypto in your 1inch Wallet,” converted to fiat at the moment of payment. If you are mid-exit, none of these numbers are what you need; what you need is to get your balance out before the date. They are here so you know what you had.

What can go wrong if you are still holding one

The most obvious risk is the obvious one: the card stops working before you have moved your money, and the deadline is a recommendation rather than a guarantee. Behind that sit a few quieter ones.

First, the entity holding your funds is not the brand you chose. Your balance is an e-wallet balance at an authorised e-money institution, and the launch blog’s wording about custody was ambiguous — it said users keep control “while still retaining custody,” which does not tell you clearly who can move what. Second, security features are simply not described anywhere on the public pages: whether two-factor authentication exists, whether you can freeze the card instantly, whether there are spending controls — not stated. On a card that is closing, those features matter more than usual, because they are what would let you react quickly, and I cannot tell you they are there.

Third, deposits. User reports describe a USDC deposit to the “1inch crypto card” that was confirmed on-chain but not credited (1 October 2026), a card transfer that never arrived (30 September 2026), a USDC deposit uncredited for 20-plus hours with the answer “under review” (1 September 2026), a withdrawal pending 30-plus days (February 2026, on the wallet side), and slow, generic support replies (June 2025, October 2025, June 2026). No card-specific complaint review I found is a systematic picture, but the pattern of “the money arrived on-chain and the balance did not move” is exactly the failure mode you least want to be sorting out during a shutdown. Do not top the card up on a whim now; move value out, not in.

Fourth, the reputational reading is mixed rather than terrible, and I would rather give you both numbers than pick the flattering one. Trustpilot for 1inch overall, read on 2026-10-20, shows 3.6 out of 5 across 547 reviews, with only 6 of those reviews in the last 12 months, 79% five-star and 5% one-star, and the company replying to 16% of negative reviews. An earlier figure of 4.2 out of 5 from 543 reviews circulates via Traders Union, latest review 2 July 2026; Trustpilot itself shows 3.6. Either way, the low recent review count and the low reply rate are the numbers that matter for a programme in trouble.

Fifth, there is no stated refund or dispute process on the notice. That is not the same as there being none, but it means I cannot point you to one.

What to take instead

If your reason for wanting the 1inch Card was that an ordinary bank card was awkward to get, that reason has not gone away just because this programme has. Three alternatives are live, and I have scored them alongside. Here is the comparison at a glance, then the detail.

MetaMask Card is the strongest of the three on my scoring, and the closest thing to what the 1inch Card was trying to be. It is a Mastercard; a virtual card is issued instantly on approval and a metal card can be pre-ordered in the app after that, one card per user. The issuer is Monavate and the card provider is Crypto Life — the same two companies behind the 1inch Card, which is worth knowing if you are moving an existing relationship rather than starting fresh. Sign-up is open in 45 listed countries and territories, with other regions on a waitlist, and proof of residency is required; the pages say ineligible regions limit sign-ups, not spending. US and UK sign-ups are temporarily closed per the FAQ. The virtual card is free with no annual or maintenance fee; the metal card is $199 a year. Fees are described as a “minimal fee for each transaction” with no additional MetaMask fees, no foreign transaction fee and the Mastercard rate, though the amount is not stated on the pages I read and a fee table is linked. It spends directly from your connected wallet, on Linea, Base, Monad and Solana, in tokens including mUSD, wETH, EURe, GBPe, USDC and USDT; a Solana-only wallet cannot withdraw credit. Cashback is paid in mUSD into the Money Account — 1% on virtual, 3% headline on metal with a footnote capping 3% at the first $10,000 spent and 1% after that — plus a $FLY bonus at 5X or 7X through the Blackbird dining app.

KAST is the most elaborate, with three tiers you can actually feel the price of. It offers virtual and physical cards, up to ten per user, on Visa: Platinum for Standard, Infinite metal for Premium, Infinite gold plated for Private, with other designs (Pengu, Solana, Bitcoin) and a USD account balance where stablecoin deposits convert 1:1 at a 0% spread. Annual membership is 0 USD for Standard, 1,000 USD for Premium and 10,000 USD for Private, billed annually upfront with no monthly option; extra virtual cards are 2 USD (also 2 USD “in some regions” on the included Standard virtual card); a Standard physical card is 0 USD card fee plus 40 USD delivery while Premium and Private physical cards are included; there is a 1 USD/month inactivity fee after 12 months, and renewal or reactivation fees exist with amounts not stated. Fees are unusually clear for the category: 0% on stablecoin top-up, 0% on USD card spend, 0% transaction fee, 0% for Apple and Google Pay, a non-USD FX fee of 0.5%–1.75% depending on residence country, transaction country and card programme, 0.10 USD on non-USD transactions under 25 USD, 0.50 USD on a declined payment for insufficient balance, and non-stablecoin tokens may be auto-converted at a fee shown in the app. It is funded with USDT, USDC, PYUSD and RLUSD on Ethereum, Solana, Polygon, Arbitrum and TRON, with no bank account needed — though its terms say acceptable tokens are “currently USDT and USDC,” which conflicts with the app’s wider list. Availability is residence-based, with the list shown only at KYC, and citizenship can bite independently of residence: if you live in a supported country but hold ID from a restricted region you may still fail, dual citizens with a supported ID may pass, and a VPN does not bypass it. Cashback is 1.5% to 3% in USD on the first $2,000, $10,000 or $40,000 of monthly spend depending on tier, plus KAST Points on Premium and Private.

TokenPocket sits lowest of the three and has the least conventional shape. It is a Visa debit for a list of European countries and territories (Germany, France, Spain, Switzerland among them) and a Mastercard debit for Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK, among others, with the Americas “planned for Q2 2025.” The cards run on Arbitrum, are virtual, and hold balances in EUR24 and USD24. The only fees it names are a small portion of an NFT creation fee (TokenPocket covers part of it) and a 1% fee on depositing cryptocurrency into the card, which it says is refunded later through rewards and reduced transaction fees; beyond those it charges no additional fees, though extra fees can come from inter-institution settlement. No cashback is stated beyond that refund.

The honest comparison: MetaMask Card wins on score, on being free to try, and on the fact that its issuer and provider are the same ones you already dealt with. KAST wins on clarity and on tiered rewards if you spend heavily, but its pricing and its residence-versus-citizenship rule are things to test before you commit. TokenPocket is the one to look at if you want a card on Arbitrum with a stablecoin balance, not if you want the simplest everyday card.

Who I would recommend it to

Almost no one, as a card to get — you cannot, and that ends the conversation. As a situation to manage: if you hold a 1inch Card, I recommend acting on the shutdown notice now rather than at the deadline. Log into the card account, spend or withdraw what you hold, and if support is slow, take it to Crypto Life first and to 1inch second with the date and channel of your earlier contact. If a chunk of your money is in a stablecoin on that card and the date is close to the deadline, do not start a new deposit; the reports of on-chain arrivals that did not credit the balance are exactly the problem you do not want to be debugging while the clock runs.

For a replacement, the people I would point at MetaMask Card are the ones who want a crypto-funded Mastercard for ordinary spending and are in one of the 45 listed places with a residence they can prove; start on the free virtual card and treat the metal version as a decision about whether the cashback and $199 a year are worth it to you. I would point at KAST the people who want several cards, want their fees spelled out in advance, and spend enough that the higher-tier cashback ceiling matters — after checking, honestly, whether their country and your ID both pass. TokenPocket I would point at people already living on Arbitrum inside one of its regions who are comfortable with a 1% deposit fee that gets refunded later.

And if what you actually need is the plain thing — a card that will still be there next year — then the more useful question is not which crypto card to replace this one with, but why an ordinary bank card was difficult in the first place. That question has better answers, and they are not all crypto.

Frequently asked questions

What is the 1inch Card?

The 1inch Card was a payment card launched on 8 April 2024 by the 1inch crypto aggregator, issued through Crypto Life and running on the Mastercard network, in both physical and virtual form. It was funded from crypto in your 1inch Wallet, converted to fiat at the moment of payment. The programme is now being discontinued and new sign-ups are closed.

How does the 1inch Card work?

You loaded crypto to the card, and when you paid, that crypto was converted to fiat and spent from a stored balance, much like a prepaid card rather than a bank debit card. Balances sat in an e-wallet issued by Monavate, not by 1inch. Its days of working that way are over: the programme is closing, and holders are advised to spend or withdraw by 18 December 2026.

Is 1inch a bank?

No. 1inch is a crypto aggregator and software company, not a bank, and it did not hold your card balance. Your money sat in an e-wallet issued by Monavate Ltd (UK) or UAB Monavate (EU), an authorised e-money institution, with Crypto Life as the card provider. Under section 16 of the issuer’s terms, remaining e-wallet funds can be redeemed for up to six years after account closure.

Can I still apply for a 1inch Card?

No. The programme’s notice states plainly that it is being discontinued and that new sign-ups are closed. There is no application to make, and the notice carries no country list. If you are reading this hoping to sign up, the alternative is to look at the live options above — MetaMask Card, KAST or TokenPocket — and check whether your country and ID are accepted.

What happened to my 1inch Card balance?

The card’s advice is to withdraw or spend your balance as soon as reasonably possible by signing in to the card account, with 18 December 2026 given as the furthest foreseeable date; those timelines are set by the issuer and provider and are not guaranteed. Withdrawal fees are not stated, so move what you can early rather than at the deadline. Balances remain redeemable for up to six years after account closure under the issuer’s terms.

Is the 1inch Card safe?

Your funds were not held by 1inch but by an authorised e-money institution, which is the reassuring part; the launch blog’s custody wording was ambiguous, though, and details on two-factor authentication, card freeze and spending controls are not stated on the public pages. Trustpilot for 1inch overall shows 3.6 out of 5 from 547 reviews, and user reports include USDC deposits confirmed on-chain but not credited. Safety is not the reason this card closed; the shutdown is.

What are the 1inch Card fees?

Officially, the card’s current pages do not state its fees — the notice is a closure notice, not a product sheet. Unofficial third-party listings put the annual fee at $0, FX at 0%, crypto conversion at 1.75% on every transaction, and ATM withdrawals at 2% with a $500 daily limit; another aggregator reports a 2% card spend fee alongside the 1.75% conversion fee. Treat these as background, not as terms, and check with the issuer if a figure matters to you.

How do I top up or use the 1inch Wallet for payments?

The launch blog described the model simply: the card needed only “crypto in your 1inch Wallet,” converted to fiat at payment. Unofficial listings name 1INCH, ETH, USDT, USDC, BTC, LTC, XRP and BXX as spendable assets, with Apple Pay and Google Pay supported. All of that is now largely academic — with the programme closing, the practical top-up question is the reverse one: how to get what is already there out.

Who do I contact about my closed 1inch Card account?

Send card balance, status, KYC, closure and personal-data requests to Crypto Life support, by email or the chat inside the card account. If Crypto Life does not respond, contact 1inch support with your request, the date and the channel you used; 1inch logs and escalates the case but cannot action account-level requests itself. Support languages and hours are not stated, so assume English and be persistent.

Is a 1inch Card worth it — should I move to a replacement?

The card itself was well made, which is why it scored 9 out of 10 on everyday use, but a card in a closing programme is not worth much. For a replacement, MetaMask Card (7.1 out of 10) is the closest fit: a free virtual Mastercard, issuer Monavate and provider Crypto Life, spending straight from your wallet. KAST (6.1) is the most transparent on fees and tiers; TokenPocket (5.8) suits Arbitrum users. Check your country and ID before committing to any of them.

Content created by the «cryptocardtested» team