A prepaid Visa you load from a crypto wallet, and a price that depends on how much you lock up

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Crypto.com card is a prepaid Visa that you load from a crypto wallet or from another bank card, and then spend like an ordinary payment card. It is genuinely useful if the problem is that no ordinary bank will give you a card at all — the card is issued by licensed banking and e-money institutions in each region rather than by Crypto.com itself, and in Europe that issuer is Foris MT Limited. It is not the right tool if you want a card that just draws on a normal current account, because nothing here is linked to a bank account. Everything is loaded in advance.

I scored it 7.0 out of 10. That is a good card with real weaknesses, and the weaknesses are concentrated in two places: the cost structure changes with how much of your own crypto you tie up, and the public pages do not tell you enough about the things that usually decide whether a card works for you — delivery time, spend limits, whether you can withdraw the balance back, and what happens if your identity check stalls.

Conditions are current as of October 28, 2026.

Verdict: 7.0 out of 10, best for people who already live in Europe or Singapore

Yes, take this card if you want a prepaid Visa that converts crypto to local currency and spends it normally, and you are in a country where it is issued. No, do not take it if your main hope is that it will behave like a bank debit card with no loading step and no surprises.

The score by criterion, with the marks as I gave them:

Where that lands for you in practice: the highest mark is for everyday use, which is the part you touch most. A prepaid Visa that the cashier accepts and that you can top up in a few taps is genuinely convenient, and the free ATM allowance is unusually generous for this category. The lowest marks are cost and top-up, and both come from the same design: the card is a front end onto a tier system, so the price of using it is set by how much crypto you lock up rather than by how much you spend.

One thing to be clear about before you go further. Residents of Europe and Singapore who want tiered crypto rewards are the audience this card is built for — the higher tiers exist precisely to hold crypto and get rewards back. If that describes you, the design fits. If you simply want a way to pay for groceries from money you already have in a bank account, you are being offered a system with more moving parts than you need.

Who will they give you the card

The rule is your residential address, not your nationality. That distinction matters and people get it wrong constantly, so let me be precise: the card’s own fee articles are split by “residential address in Europe”, “residential address in Singapore” and “residential address in non-Europe, Brazil and LATAM”, and that is how eligibility is decided. The citizenship rule is not stated.

Where it is issued, by region and issuer:

• United States — Community Federal Savings Bank, a Member FDIC
• Europe — Foris MT Limited
• Singapore — Foris Asia Pte. Ltd., a MAS Major Payment Institution
• Canada — Digital Commerce Bank, offered by Foris, Inc.
• Australia — Foris GFS Australia Pty Ltd, an AFSL holder
• United Kingdom — ForisGFS UK Limited, an FCA-authorised e-money institution, not FSCS-covered
• Brazil — a USD card from Foris MT, for use outside Brazil

The European help article, as of 20 July 2026, lists 31 countries: 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. Iceland and Switzerland in that list are worth a second look, since neither is an EU member — the list is the card’s own list, and what the licence means for you is a separate question.

On whether it is available where you are: the card is a fact of its address, not of your passport, and the list above is the complete set the card publishes. One unofficial detail worth flagging with appropriate caution: Russia is listed among ten restricted countries — Afghanistan, China, Cuba, Iran, North Korea, Russia, Somalia, Sudan, Syria and Yemen — though Sudan also appears in the available list, which makes that page internally inconsistent (per CryptoCardHub, August 2026). Separately, 2020-era coverage from CoinDesk and CoinCodex noted Russia, Turkey and Ukraine were unsupported markets at launch. Neither source is the card, so treat both as unconfirmed.

Note the difference between what I could confirm and what I could not. The eligibility list is the card’s own. The citizenship rule is not stated. If your situation is unusual — a residence permit in one country and citizenship in another — that is exactly the case to raise with support before you commit money to a tier.

How to get it

You apply in the Crypto.com App, and the Crypto.com App shows only the USA PATRIOT Act notice: name, address, date of birth, a national ID number such as an SSN or a country ID, and possibly a driving licence or another photo ID. Proof of address and age requirements are not stated. An unofficial source (CryptoCardHub, August 2026) says identity verification with a government ID, a selfie and proof of address may be possible — again, not confirmed by the card.

What the card actually issues is a prepaid Visa. Not a credit card, not a debit card tied to a current account: you top it up and it spends what is there, which is why the amount of money you control at any moment is the balance. The currency is local per issuer — the European card is in EUR, Canada is CAD only, Brazil is USD — and whether virtual, physical and metal versions exist is not stated on the cards page I read.

On delivery, the European prices are the concrete ones: physical card issuance is EUR 4.99 at Midnight and EUR 24.99 at Ruby, waived for some Level Up Plus subscribers and stakers, and a card upgrade is waived. A replacement costs EUR 45.01 at Midnight and EUR 50 at other tiers. Delivery time is not stated — plan for the possibility that you are paying with a virtual card for a while.

Two honest caveats. The cards page shows only the USA PATRIOT Act identity notice; the levels you can apply for, how long processing takes and why an application might be refused are not stated. And an unofficial source says a virtual card is available immediately on approval while the physical card ships later, with US figures of USD 4.99 at Midnight and USD 29.99 at Ruby for issuance, no fee at higher tiers, and USD 7 for a Midnight replacement or USD 50 for others (per CryptoCardHub, August 2026). I would treat the instant-virtual claim as likely but unverified.

One structural point that will save you a headache. Your available tier is set by your Level Up plan, and the Level Up plan is driven by how much CRO you lock up. You do not simply pick the tier you like at signup; you earn your way into it. That is why the next section is where the real decision happens.

Fees: what it really costs

The cost of this card is not one number. It is a subscription tier, and the tier is bought either with money or with locked crypto. Here is what the card publishes:

• Free — no subscription
• $4.99 a month, $49.90 a year, or a $500 lockup
• $29.99 a month, $299.90 a year, or a $5,000 lockup
• Plus $50,000 and $500,000 lockup tiers

The page’s tier labels are jumbled, and the issuance fee on that page is not stated — although the European help article does give issuance fees, which is the more useful source for anyone in Europe. Decide your tier by what you will actually do with it. If you are going to spend a few hundred euros a month, paying $29.99 a month for a 4.5% rewards rate is arithmetic you can do in your head and it will not work out. If you are going to lock $5,000 of CRO anyway and spend heavily, the subscription may be the cheaper way to buy the tier.

Here are the European figures in one place, since they are the most detailed published:

Outside Europe the ATM structure is different and follows the subscription rather than the tier: the Free tier gives $200 free per month with a $5,000 monthly cap, the $4.99 tier $400 and $10,000, the $29.99 tier $800 and $10,000, and both the $50,000 and $500,000 tiers $1,000 and $10,000. The aggregated top-up limit is $25,000 a month for all tiers. The fee charged above the free ATM amount is not stated on that page.

Now three everyday payments, with the fees that actually apply.

Paying for a EUR 30 lunch in Germany on the Midnight card costs nothing at the point of sale. Prepaid Visa in EUR, domestic purchase, no FX involved, no fee. This is the case the card is designed around and it is clean.

Paying for a USD 40 subscription from a euro account costs 0.2%. That is Midnight’s EU and UK rate, and it is one of the better foreign-transaction rates in this category. At Ruby you pay nothing up to EUR 400 a month of such purchases and 2.0% above it; Jade and Indigo push that to EUR 800; Icy, Rose and Obsidian have no FX fee at all.

Paying for a USD 40 subscription from a euro account when you are outside the EU or UK costs 2.0% at Midnight. Same swipe, ten times the fee, decided entirely by where you are standing. That single line in the table is the most useful thing on this page for anyone who travels or buys in dollars.

Two caveats about the numbers above. The card’s general fee page says top-up fees, the interbank exchange rate and ATM fees “may apply” depending on jurisdiction and tier, with no amounts — the amounts live in the per-region help articles, which is where the European figures come from. And on the main reward table, everyday spend rates 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 then 0.5%, and Obsidian 4.5% up to USD 5,000 then 1%. Smaller tables on the same page show different values; the main table is the one I have used.

Top up: how to put money on it

Three routes: the Crypto Wallet, the Cash Account, or another credit or debit card. That is the whole list. The important mechanic is the one underneath it — crypto cannot be loaded directly onto the card, it is converted to local currency first, and then loaded. Networks are not applicable here, which is worth understanding: you are not sending USDT over Tron or Ethereum, you are selling crypto and paying by card.

In Europe the details are specific: a card top-up costs 1%, the minimum card top-up is EUR 20, aggregated top-ups are EUR 25,000 daily and monthly and EUR 250,000 yearly, crypto-to-card and cash-account-to-card carry the same caps, the maximum card balance is EUR 25,000, and you may load 12 times a day and 140 times a month. Crypto must be converted first.

Three things to plan around. The EUR 25,000 balance ceiling means the card is a spending tool, not a place to park money. The twelve-loads-a-day limit is a real constraint if you are splitting purchases; make sure the conversion to fiat has completed before you try to spend it. And the fee for withdrawing the card balance back to a wallet or a bank is not stated in the European article — I could not find it, and if getting money back out matters to you, that is a question to ask support before you rely on the card.

There is also an inactivity charge that catches people out: EUR 5 a month after twelve months without cardholder-initiated activity, and the European fee article says this becomes EUR 6 from 1 October 2026. A card you use for nothing is not free. Closing the account costs EUR 50.

Paying with it every day

In practice, daily use is the card’s strongest suit, which is why it scores highest there. It is a prepaid Visa, the cashier treats it like any other card, and there is no monthly fee at the Free tier.

Rewards work like this: CRO rewards are paid in CRO token to your Crypto Wallet after each eligible transaction. Certain merchant categories and channels are excluded from CRO rewards, with the full list in a help article I did not read; a gambling block is not stated. Travel bookings carry higher rates of up to 5, 20, 25, 30 and 40% across the tiers. Treat all of these as potentially changeable, because one of the recurring complaint themes in 2026 is that cashback terms changed after sign-up.

Mobile wallets are where the information thins out. Apple Pay and Google Pay support is not stated; an unofficial source says Apple Pay, Google Pay and Samsung Pay work with availability varying by region (per CryptoCardHub, August 2026). The practical implication: ask support whether your specific region supports your specific phone wallet, because this is the difference between tapping a phone and fishing out plastic.

The app itself is well rated on the Apple store — Crypto.com: Trade Every Market at 4.7 out of 5 from 336K ratings as I read it, with Russian among the supported languages. An unofficial reading of Google Play gives 4.5 out of 5 from 661,155 ratings (per CryptoCardHub, August 2026); I did not read the Google Play listing myself. Support is live chat in the app or at chat.crypto.com, with phone and email by region (US 888-824-8817, Singapore 65-6264-0211) and priority support at higher tiers.

How disputes work — what happens when a charge is wrong or a merchant refuses to refund — is not stated. If that matters to you, ask.

What can go wrong

No official incident is described. That is not the same as saying nothing has gone wrong, and the user-facing picture deserves attention in its own right. Trustpilot shows 2.0 out of 5 from 9,493 reviews, with 72% one-star and the company replying to 31% of negative reviews. The recent themes, from October 2026: inability to fund the card, payment failures, a cancelled subscription still being charged, cashback terms changed after sign-up, failing withdrawals, support that behaves like a chatbot with long waits, and a token delisted without conversion. Most of it concerns the app and the exchange rather than the card, with a few card-specific complaints mixed in.

Then the structural risks, which matter more than any single complaint.

The funds are custodial: they are held by Crypto.com or by the issuer, not by you. The pages cite AICPA SOC, ISO 27701, ISO 22301 and PCI DSS, but card-level features such as two-factor authentication, instant freeze and spending controls are not described on the cards page, and insurance or safeguarding arrangements are not stated. Custody has a history — Mt. Gox at about US$350 million reported stolen between 2011 and 2014, Coincheck at about US$400 million in 2018, Ronin Network at US$625 million in 2022 — and holding funds with a custodian means carrying counterparty and hack risk.

Programmes can be shut down under you. 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, closing all WaveCrest-issued Visa programmes. The usual pattern is a notice period, then spending and loading stop, then you are asked to withdraw what is left.

Practical traps that are specific to how this card works: the issuer varies by region, so your protection depends on which of the seven issuers you got — ForisGFS UK is FCA-authorised but not FSCS-covered, which is a different position from a Member FDIC bank. The UK and EU FX schedule is dated “before and from 1 October 2026”, and the inactivity fee is rising from EUR 5 to EUR 6 on the same date, so costs may shift under you. And because crypto is converted before loading, a failed payment may be a conversion or timing problem rather than a declined card.

What I did not find is as informative as what I did: no 2026 licence or issuer news, and no user reports or news coverage of incidents read — the budget went on official sources. One category fact is worth keeping in view anyway: blockchain transfers are irreversible, so a deposit sent on an unsupported network or to an address of another network can be lost or need manual support recovery with no guarantee.

What to take instead

Three alternatives, and honestly, they are thinner on public information than Crypto.com is. That is itself a finding: on the pages I could read, Young Card, MSX and Bybit Card publish far fewer card-specific details.

Bybit is the one worth actually reading, because it publishes. Its card regions are Argentina, the AIFC in Kazakhstan, Georgia, Kazakhstan, Australia, Mexico, Brazil, Peru and Asia Pacific, and the cards page states plainly that the product is not meant for European Economic Area customers and that EEA participation is strictly prohibited. That rules it out for a European reader, whatever else it offers. On fees: a crypto conversion fee of 0.9% over the One-Click Sell rate in most regions, FX of 2% on top of the network rate, Kazakhstan 2%, Argentina 7%, Brazil 1.5%, Peru 1%. Virtual issuance is free “until further notice”; physical issuance is USD 29.99 in Australia, USD 5 or USDT 5 in Argentina, USDT 29.99 in Georgia and the AIFC and USDT 5 in Asia Pacific, free in Brazil and Mexico. Cashback tiers run Base 2% up to Omega 8% and Infinite 10%, with monthly caps from USD 5 to USD 600 — but only crypto-funded transactions earn points or cashback since 5 October 2026, which is a design choice worth noting before you assume the headline rate applies to your grocery spending.

Against that, Crypto.com scores higher and is available in 31 European countries. If you are in Europe, the comparison is not close on eligibility.

Who I would recommend it to

I would recommend this card to someone in Europe or Singapore who already holds crypto, wants to spend it as ordinary currency without selling it by hand each time, and is comfortable with a tier system where rewards rise as you lock up more. I would recommend it to someone who has been refused an ordinary bank card, because the issuer is a regulated local institution and the prepaid Visa works at normal shops — this is the card’s clearest win.

I would not recommend it to someone who wants a debit card, because it is not one. I would not recommend it to a casual spender with a low monthly volume, because the subscription and FX lines punish low volume. And I would not recommend locking $5,000 into CRO purely to reach a tier until you have lived with the card at the Free or $4.99 level for a few months and know what your real spending looks like.

Before you commit, four things to check yourself. Whether Apple Pay or Google Pay works in your region, since the pages do not say. What it costs to get your balance back out, which is not stated. How long physical delivery takes, also not stated. And whether your tier is the one your spending justifies, not the one the rewards table makes look attractive.

Frequently asked questions

What is the Crypto.com card?

It is a prepaid Visa card that you load before you spend. Crypto is converted to local currency and loaded as a balance, and the card draws on that balance rather than on a bank account. It is issued by local licensed institutions depending on your region — Foris MT Limited in Europe, Community Federal Savings Bank in the US, ForisGFS UK Limited in the UK — while Crypto.com runs the programme and app. It cannot overdraw because there is nothing to overdraw.

Is Crypto.com a bank?

No, and this distinction decides whether your money is bank-protected. Crypto.com is a crypto company that partners with banks and with an FCA-authorised e-money institution to issue cards. So in the US your issuer is an FDIC member bank, while in the UK ForisGFS UK Limited is an e-money institution and is not FSCS-covered. E-money funds must be safeguarded but are not the same as bank deposits.

Do I need to pass KYC to get the card?

Almost certainly yes, though the Crypto.com App shows only a USA PATRIOT Act notice: name, address, date of birth and a national ID number, with a driving licence or other photo ID possibly requested. Under anti-money-laundering rules, regulated businesses must verify customers and monitor transactions. An unofficial source says a government ID, selfie and proof of address may be required; the card does not confirm that.

Which countries can get the card?

Eligibility follows your residential address. The card is issued in the US, 31 European countries, Singapore, Canada, Australia, the UK and Brazil, and the European list as of 20 July 2026 runs from Austria to Sweden plus Iceland, Switzerland and the UK. The citizenship rule is not stated. One unofficial source lists Russia among ten restricted countries, with Sudan appearing in both lists.

How much does the Crypto.com card cost?

It depends on the tier. Subscriptions are Free, $4.99 a month ($49.90 a year or a $500 lockup) and $29.99 a month ($299.90 a year or a $5,000 lockup), with $50,000 and $500,000 lockup tiers too. In Europe, issuance is EUR 4.99 at Midnight, card top-ups cost 1%, ATM withdrawals cost 2% above the free amount, and FX is 0.2% in the EU and UK or 2.0% outside.

Is the Crypto.com card free?

Only at the Free tier, and even that is not free of everything. The Free tier gives $200 a month of free ATM withdrawals with a $5,000 monthly cap, and Midnight gives EUR 200 a month free in Europe. But there is an inactivity fee of EUR 5 a month after twelve months without cardholder-initiated activity, rising to EUR 6 from 1 October 2026, and closing an account costs EUR 50.

Can I load it with crypto directly?

Not directly — crypto is converted to local currency first and then loaded. You can top up from the Crypto Wallet, the Cash Account or another credit or debit card. In Europe the minimum card top-up is EUR 20 with a 1% fee, the aggregated limit is EUR 25,000 daily and monthly, the balance ceiling is EUR 25,000, and you may load 12 times a day or 140 times a month.

Can I use it in Apple Pay?

The official material does not say. Apple Pay and Google Pay support is not stated in the official material, and Samsung Pay is not stated either. An unofficial source (CryptoCardHub, August 2026) says all three work with availability varying by region. If tapping your phone is the reason you want this card, ask support for your specific country before you commit.

Is it safe, and what happens if something goes wrong?

Funds are custodial, so you are trusting the platform and the issuer. The card cites AICPA SOC, ISO 27701, ISO 22301 and PCI DSS, while card-level controls like instant freeze are not described and insurance arrangements are not stated. Card programmes can be wound down — Visa ended its FTX agreements in November 2022 and WaveCrest’s programmes closed in 2018 — and the dispute procedure is not stated.

Is the Crypto.com card worth it?

For residents of Europe and Singapore who already hold crypto and want to spend it as currency, often yes: no monthly fee at the Free tier, a EUR 200 monthly free ATM allowance, and up to 4.5% CRO back at Obsidian. For everyone else, probably not — the rewards depend on locking up CRO, FX outside the EU and UK costs 2.0% at Midnight, and Trustpilot shows 2.0 out of 5 from 9,493 reviews, 72% of them one-star.

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