A prepaid Visa on a crypto balance — good daily spending, with tier costs and a low review score

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Crypto.com card is, in the plainest terms, a prepaid Visa card that draws on money held inside a crypto platform rather than on a bank account. You convert or transfer value into the platform, load the card, and the card spends only what sits on it. That design explains almost everything about who this card suits: people who cannot easily open an ordinary bank card, and people who are already inside the crypto.com ecosystem and want their everyday spending to earn something back.

My score for the card is 7.0 out of 10. That is not a rounding of a strong card into a lukewarm number — it is a genuinely capable instrument with real weaknesses sitting right next to the strengths. Daily use scores highest of anything in my assessment; costs and top-up options score lowest, and the complaints picture drags the whole thing down.

Conditions described here are current as of October 28, 2026.

Who should look at this card: residents of Europe and Singapore who want tiered crypto rewards and who are comfortable converting before they spend. Who should not: anyone who needs a card that draws on a bank account, anyone who wants to hold their balance in a wallet they control the keys to, and anyone who reads a Trustpilot score of 2.0/5 and cannot set that aside.

Who will they actually give the card to

Availability is decided by your residential address, not by your citizenship — that is the rule the card’s own pages use, and the citizenship rule is not stated. The European help article, as of 20 July 2026, lists Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland and the UK. Alongside Europe, the card is issued in the US, Singapore, Canada, Australia, the UK and Brazil — the Brazilian card is a USD card, issued through Foris MT, meant for use outside Brazil.

One line you may encounter elsewhere is unofficial and I did not confirm it with the card: a third-party site lists Russia among ten restricted countries alongside Afghanistan, China, Cuba, Iran, North Korea, Russia, Somalia, Sudan, Syria and Yemen — though that same source also lists Sudan as available, which makes the page inconsistent. Older 2020 coverage from CoinDesk and CoinCodex noted Russia, Turkey and Ukraine were unsupported markets at launch. Treat all of that as background, not as a statement from the card.

The practical point for you: if your address is not on the list, there is no tier, no fee and no workaround that will change the answer. The card is region-gated by design, because the issuer is a licensed institution in each of those places.

How to get it

The application begins with identity verification. The cards page carries only the USA PATRIOT Act notice, which lists name, address, date of birth and a national identification number (SSN or country ID), and says the company may ask for a driver’s licence or other photo ID. Proof of address and proof of age are not stated on the pages I read. An unofficial third-party account describes verification with government ID, a selfie and proof of address as possible — I did not confirm that with the card.

What you end up with is a prepaid Visa: not linked to a bank account, and it must be topped up before it can spend. Which currency it comes in depends on the issuer — the Canadian card is CAD only, the Brazilian one is USD. Whether a virtual, physical or metal card is included in each tier is not stated on the page I read. Unofficial sources say a virtual card is available immediately on approval and the physical card ships later; again, not confirmed by the card.

In Europe, physical card issuance costs 4.99 EUR at Midnight and 24.99 EUR at Ruby, and the Ruby fee is waived for some Level Up Plus subscribers and stakers. An upgrade is waived. A replacement costs 45.01 EUR at Midnight and EUR 50 at other tiers. Delivery time is not stated. Unofficial US figures, for comparison rather than confirmation: physical card 4.99 USD at Midnight and 29.99 USD at Ruby with none for higher tiers, replacement 7 USD at Midnight and 50 USD otherwise.

The tier you can apply for depends on your Level Up plan. The cards page shows only the USA identity notice — how long processing takes and why an application might be refused are not stated.

Fees: what it really costs you

The headline number that catches people is the subscription. Tiers are bought with CRO locked up: Free; then 4.99 USD per month, 49.90 USD per year or a 500 USD lockup; then 29.99 USD per month, 299.90 USD per year or a 5,000 USD lockup; plus 50,000 and 500,000 USD lockup tiers. The page’s own tier labels are jumbled. An issuance fee is not stated in this section — the amounts below are the European figures.

Other European figures worth knowing before you commit: card closure costs EUR 50, and an inactivity fee of EUR 5 per month applies after 12 months without cardholder-initiated activity, rising to EUR 6 from 1 October 2026. At the ATM, provider surcharges count toward your free allowance. The general page’s wording is deliberately loose — it says top-up fees, interbank exchange rate and ATM fees “may apply” depending on jurisdiction and tier, without amounts, because the amounts live in the per-region help articles. Non-EUR purchases and ATM withdrawals carry a foreign-transaction fee that depends on jurisdiction and tier. Whether you can hold several currencies in one balance is not stated.

Now three everyday payments, with the fees that actually bite:

• A coffee at a local café. Your card is in EUR, the till is in EUR, so there is no FX fee and no conversion fee at all. You spend loaded balance. The only cost, if you topped the card up by card that day, is the 1% top-up fee — which has already been paid by the time the coffee happens.
• A subscription bought in USD. Here the FX fee appears. At Midnight that is 0.2% inside the EU and the UK, 2.0% outside them. Ruby absorbs the cost up to EUR 400 a month outside the EU, then charges 2.0%; Jade and Indigo up to EUR 800; Icy, Rose and Obsidian pay no FX fee at all.
• Withdrawing cash abroad. 2% above your monthly free allowance (EUR 200 at Midnight), with the machine’s own surcharge eating into that allowance first, on top of the FX fee that applies to the withdrawal currency.

Top up: the part that decides whether it works for you

You can top up from your Crypto Wallet, from a Cash Account, or from another credit or debit card. Crypto cannot be loaded directly onto the card — it is converted to local currency first. Networks are not applicable to this route. That single sentence is the most important thing on this page for anyone whose money is in a token rather than in cash: you are spending a currency balance, not a crypto balance.

In Europe the numbers are: a 1% fee when you top up by debit or credit card, a minimum card top-up of EUR 20, an aggregated top-up ceiling of EUR 25,000 daily and monthly and EUR 250,000 yearly, with crypto-to-card and cash-account-to-card under the same caps, a maximum card balance of EUR 25,000, and a load frequency of 12 daily or 140 monthly. Crypto must still be converted first in each case.

If you want the money back out: the account closure fee is EUR 50, and the inactivity fee is EUR 5 per month after 12 months without cardholder-initiated activity, EUR 6 from 1 October 2026. The fee or procedure for withdrawing the card balance back to your wallet or bank is not stated in the article — that is a question to put to support before you commit, not after.

Paying with it every day

This is where the card is at its best. The Crypto.com App manages the cards, and in the App Store the listing “Crypto.com: Trade Every Market” sits at 4.7/5 from 336K ratings when I read it, with Russian among the supported languages; I did not read the Google Play rating. An unofficial figure from a third party gives Apple 4.7/5 across 321,114 ratings and Google Play 4.5/5 across 661,155 ratings. Apple Pay and Google Pay support is not stated on the pages I read; unofficial sources say Apple Pay, Google Pay and Samsung Pay are supported with availability varying by region.

The rewards are the reason people climb the tiers. CRO rewards are paid in CRO token to your Crypto Wallet after each eligible transaction, and the everyday spend rates in the main table are: Midnight Blue 0%; Ruby Steel 1.5% up to USD 750 a month; Jade Green and Royal Indigo 2.5% up to USD 1,500; Icy White and Rose Gold 3.5% up to USD 3,000 and then 0.5%; Obsidian 4.5% up to USD 5,000 and then 1%. Travel bookings run up to 5 / 20 / 25 / 30 / 40% across the tiers. Certain merchant categories and channels are excluded from CRO rewards — the full list is in a help article I did not read, so I cannot tell you which ones — and whether gambling is blocked is not stated. Note that smaller tables on the same page show different values; I have used the main table.

If you are in Europe, your POS purchase limits are EUR 25,000 daily and monthly and EUR 250,000 yearly, with a maximum balance of EUR 25,000. ATM limits are EUR 2,000 daily, EUR 10,000 monthly and EUR 75,000 yearly, and 3 daily, 30 monthly or 360 yearly withdrawals. Spend limits generally are not stated. Higher tiers add more CRO rewards, priority support, subscription rebates and airport lounge access; whether a metal card is included is not stated.

What is not stated anywhere I looked: what happens to a disputed transaction. There is no chargeback procedure described on these pages, which is worth knowing given the balance model.

What can go wrong

Start with the review score, because it is the loudest signal. On Trustpilot the platform sits at 2.0/5 across 9,493 reviews as I read them on 2026-10-20, with 72% one-star, and the company replies to 31% of negative reviews. The recent themes, around October 2026: being unable to fund the card, payment failures, a cancelled subscription still being charged, cashback terms changing after sign-up, withdrawals failing, chatbot-like support with long waits, and a token delisted without conversion. Most of that is about the app and the exchange rather than the card itself, though a few items are card-specific. I found no official incident on the pages I read, and I read no user reports or news beyond the official sources, so the complaints picture here is thin on verification and thick on volume.

Then the structural risk. The funds are custodial — held by Crypto.com or by the issuer — and that is the arrangement this whole category runs on. The card page cites AICIA SOC, ISO 27701, ISO 22301 and PCI DSS audits, but describes no card-level controls such as two-factor authentication, freeze or spending limits, and says nothing about insurance or safeguarding. What that means in practice is that the card’s security story rests on the platform’s, and I would want the platform’s protections rather than the card’s.

Which company you are actually dealing with depends on your region, and this is worth reading twice. The brand is Crypto.com. The issuers are Community Federal Savings Bank in the US (a Member FDIC, under a Visa U.S.A. licence); Foris MT Limited for Malta, the EU and the USD card; Foris Asia Pte. Ltd. in Singapore (an MAS Major Payment Institution); Digital Commerce Bank in Canada, offered by Foris, Inc.; Foris GFS Australia Pty Ltd in Australia (an AFSL holder); and ForisGFS UK Limited in the UK (an FCA-authorised e-money institution, not FSCS-covered). The UK detail matters: an e-money institution is not the same as a deposit-taking bank, and the card’s balance does not behave like a bank deposit.

Support is live chat in the app or on the web at chat.crypto.com, plus phone and email by region — the US number is 888-824-8817, Singapore’s is 65-6264-0211 — with priority support for higher tiers. The app listing includes Russian among 26 languages. On fees, the European article is the one to watch: the inactivity fee rising from EUR 5 to EUR 6 and the FX schedule are dated “before and from 1 October 2026”, so the numbers you read may already have moved. I found no 2026 licence or issuer news in search.

And one category risk that belongs to everyone, not to this card: card programmes do close. Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down; WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018 and all its programmes were closed. When a programme ends, the pattern is a notice period, then spending and loading stop, then users are asked to withdraw what is left. Nothing about Crypto.com suggests that is imminent. It does mean the balance you leave sitting on a prepaid card is worth keeping smaller than you would keep in a bank account.

What to take instead

Three alternatives came up in my comparison, and honestly, none of them is a straight substitute — each covers a different slice of the same problem.

Bybit Card is the one worth a paragraph. Its eligibility is explicit in a way Crypto.com’s is not: the application asks for your country of residence, and if the country is unsupported it says it “will register your interest”. It covers Argentina, AIFC (Kazakhstan), Georgia, Kazakhstan, Australia, Mexico, Brazil, Peru and Asia Pacific — and the cards page says plainly, “This product is not meant for European Economic Area customers. All European Economic Area customer participation is strictly prohibited.” So for a European reader it is not an option at all.

What Bybit does differently is structural. The card has no balance of its own: it draws on the Funding Account and the Flexible Easy Earn balance, fiat first, and if the fiat is not enough it sells crypto at the One-Click Sell rate plus a card conversion fee — 0.9% over that rate across Australia, Asia Pacific, Georgia, Kazakhstan, Brazil and Mexico, 0.5% in Argentina, Peru not supported. FX fees: 2% on top of the network rate in Australia, Asia Pacific, Georgia and Mexico; 2% “International Fee” on purchases outside Kazakhstan even in USD; 7% Argentina; 1.5% Brazil; 1% Peru. Virtual card issuance is free in all regions “until further notice” and the page says “Auto interest, no annual fees”; physical issuance is 29.99 USD in Australia, 5 USD or USDT in Argentina, 29.99 USDT in Georgia and Kazakhstan (AIFC), 5 USDT in Asia Pacific, and none in Brazil and Mexico. Rewards changed on 2026-10-05: only crypto-funded transactions earn points or cashback, fiat-funded spending does not. Tiers run Base 2.00% with a 5 USD monthly cap up to Infinite 10% with a 600 USD cap.

MSX and Young Card are thinner as comparisons. For MSX, eligibility, card type, costs and top-ups are not stated. Young Card’s only real differentiator is that cashback is paid in YNG tokens at Club tier rates — Essential 0.1%, Gold 1.8%, Platinum 3.6%, with Bronze and Silver not stated.

Who I would recommend it to

I would recommend this card to someone in Europe or Singapore who already holds crypto, has a stable enough balance to convert from, and wants the free 200 EUR monthly ATM allowance and a rewards rate that actually pays. The Everyday use score of 9 out of 10 is not marketing — a prepaid Visa that cannot overdraw, works at ordinary tills, and pays up to 4.5% back at the top tier is a good instrument for that person. If the answer to “where can I use it” is “anywhere Visa is accepted”, that is a real answer.

Be cautious if you are in the US, Canada or Australia and seek a card because you lack a banking relationship, as fees and limits in those regions may vary. If you are in Brazil, note that the card is a USD card intended for use outside Brazil, not a domestic product.

I would not recommend it if your money is in a self-custody wallet and you want it spent directly, because the conversion step is mandatory; if you want an interest-bearing balance; if you need a card that sits on a current account; or if you intend to keep a large balance on it, given the custodial model and the fact that programme closures happen in this category.

And I would not recommend it on the strength of the rewards table alone. Read the terms before you lock up CRO, because the complaints include cashback terms changing after sign-up. Whatever you do, keep the loaded balance to an amount whose loss would inconvenience you rather than reshape your month.

Frequently asked questions

What is the Crypto.com card?

It is a prepaid Visa card tied to a crypto.com account rather than to a bank account. You convert or transfer value into the platform, load the card, and it spends only the loaded balance. Because it is prepaid, it cannot overdraw, and the currency it comes in depends on the issuer: EUR in Europe, CAD only in Canada, USD in Brazil.

How does the Crypto.com card work day to day?

You load money, then spend it wherever Visa is accepted, and eligible transactions pay CRO rewards back to your Crypto Wallet after the purchase. Everyday spend rates run from 0% at Midnight Blue to 4.5% up to USD 5,000 a month at Obsidian. Certain merchant categories and channels are excluded from rewards; the full list sits in a help article I did not read.

Do I need KYC to get the Crypto.com card?

Yes. The cards page carries the USA PATRIOT Act notice: name, address, date of birth and a national ID number such as an SSN or country ID, with the possibility of being asked for a driver’s licence or other photo ID. Proof of address and proof of age are not stated on the pages I read. An unofficial source says a selfie and proof of address may also be required.

Is Crypto.com a bank?

Not in the ordinary sense. The brand is Crypto.com, but the issuing bank differs by region — Community Federal Savings Bank in the US, Foris MT Limited for Malta, the EU and the USD card, Foris Asia in Singapore, Digital Commerce Bank in Canada, Foris GFS Australia in Australia, and ForisGFS UK Limited in the UK, which is an FCA-authorised e-money institution and not FSCS-covered.

Who can get the card, and what about citizenship?

Eligibility runs on your residential address. Europe covers 31 listed countries including the UK, and the card is also issued in the US, Singapore, Canada, Australia and Brazil. Citizenship is not stated as the criterion. An unofficial third-party list names Russia among ten restricted countries, though that page contradicts itself on Sudan.

How much does the Crypto.com card cost?

The subscription is tiered by CRO lockup: Free, then 4.99 USD per month, 49.90 USD per year or a 500 USD lockup, then 29.99 USD per month, 299.90 USD per year or a 5,000 USD lockup, with 50,000 and 500,000 USD tiers above. In Europe, physical issuance is 4.99 EUR at Midnight and 24.99 EUR at Ruby, card top-up is 1%, ATM is 2% above the free allowance, and inactivity is 5 EUR per month.

How do I top up the card?

From your Crypto Wallet, your Cash Account or another credit or debit card. Crypto cannot be loaded directly onto the card — it is converted to local currency first, and networks are not applicable. In Europe the minimum card top-up is EUR 20, the aggregated ceiling is EUR 25,000 daily and monthly, and the maximum card balance is EUR 25,000.

Where can I use the card, and does it work in Apple Wallet?

The card works wherever Visa is accepted, though some merchants decline prepaid or foreign-issued cards because the BIN lookup reveals the issuer and country, and address verification is generally unavailable for foreign-issued cards, which can cause declines. Apple Pay and Google Pay support is not stated on the pages I read; unofficial sources say Apple Pay, Google Pay and Samsung Pay work with availability varying by region.

Is the Crypto.com card safe and is it worth it?

Worth it depends on your tier and your spending. The trust here is real: funds are custodial, the cards page cites AICPA SOC, ISO 27701, ISO 22301 and PCI DSS, but describes no card-level controls or insurance. On Trustpilot the platform reads 2.0/5 across 9,493 reviews, 72% one-star, mostly about the app and the exchange.

How do I get my money back off the card?

The public article does not say. It states an account closure fee of EUR 50 and an inactivity fee of 5 EUR per month after 12 months without cardholder-initiated activity, rising to 6 EUR from 1 October 2026 — but the fee or procedure for withdrawing the card balance back to your wallet or bank is not stated. Ask support before you load money you expect to need back.

Content created by the «cryptocardtested» team