A good card that no longer takes sign-ups

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The 1inch Card was one of the more widely discussed crypto payment cards: launched in April 2024 with Mastercard and Crypto Life, it let you hold crypto in a 1inch Wallet and pay with a physical or virtual card, with the crypto converted at the moment of payment. That is the good version of the story. The current one is shorter: the programme is being discontinued, new sign-ups are closed, and holders have been told to move out their remaining balance, with 18 December 2026 named as the furthest foreseeable date. My score for it as a card you could actually use today is 4.4 / 10 — and the low marks are not about how the card performed while it worked. They are about what a card looks like when it is shutting down around your money.

That matters for the person reading this who is choosing a card. If you were considering 1inch as one of your options, it is no longer one — there is nothing to sign up for. If you already hold one, you have a job to do, and a date in your calendar. And if you were thinking of 1inch mainly as a bridge from crypto to an everyday card, the alternatives section below is the more useful part of this page.

The conditions described here are current as of October 28, 2026.

Two honest caveats before anything else. First, most of the detail below about fees, coins and limits comes from third-party sites, and the card’s own notice does not confirm it — where that is the case I say so each time. Second, the card’s public pages are silent on a lot: eligibility countries, KYC requirements, fees, delivery, support languages, dispute handling. Where they are silent, I say that too, rather than filling the gap.

What happened to the programme

The 1inch Card launched on 8 April 2024 with Mastercard as network and Crypto Life as the card provider; the launch blog was later updated on 8 May 2026. Cards were physical and virtual, issued by Crypto Life and described as running “powered exclusively by the Mastercard network.” That launch post is the main official description of the product that still exists, which is itself a clue about how the programme now stands.

Then came the discontinuation notice. New sign-ups are closed. The page carries the line that the 1inch Card programme is being discontinued. Holders are advised to withdraw or spend their balance as soon as reasonably possible, by signing in to the card account, and the furthest foreseeable date named is 18 December 2026. The notice itself does not carry a publication date — that is one of the things it does not state. The timelines in it are set by the issuer and provider, and they are described as timelines, not guarantees. That distinction matters if you are planning around 18 December: treat it as a deadline to work backwards from, not as a promise about the last possible day.

The companies named on the notice tell you who actually holds your money, which is the question people often skip. The balances sit in an e-wallet issued by Monavate — Monavate Ltd in the UK, UAB Monavate in the EU — an authorised e-money institution. The card provider is Crypto Life: Frozen Time UNIPESSOAL LDA for the EU, Baanx Group Ltd for the UK. So 1inch is the brand in front, the card network is Mastercard, the issuer of the balance is an e-money institution, and the card provider is a separate company handling accounts. None of that is unusual for this category; it is just the arrangement you need to know when something goes wrong or closes.

On who could get it, the card’s own material is simply silent — no country list on the notice. Third-party sites report the EEA and the UK, and not the US, as at August 2026, and describe a required KYC with a lower-limit basic tier. Both of those are unofficial and not confirmed by the card. Same for the fee picture: an unofficial annual fee of $0, an FX fee of 0%, a 1.75% crypto conversion fee on every transaction, and one aggregator reporting a separate 2% card spend fee alongside the 1.75% conversion fee. I cannot tell you which of those is the one that would have applied to you. The official position is that costs are not stated.

What the launch post did say is the mechanism, and it is worth understanding because it explains both the appeal and the vulnerability. The card needs only “crypto in your 1inch Wallet,” converted to fiat at the point of payment. In practice that means the card behaves much like a prepaid card: crypto is converted and loaded as a balance, and the card spends that balance. The card can never overdraw, which is a genuine comfort. It also means your crypto is converted on terms you learn about at the moment you pay, not at the moment you buy — and the complaints below are largely about exactly that gap.

If you already have the card

This is the section that matters most if you are reading this because a card is already in your wallet. The instruction from the notice is to withdraw or spend the balance as soon as reasonably possible by signing in to the card account. The stated furthest foreseeable date is 18 December 2026. 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, which is a real protection — but it is a redemption mechanism, not a functioning account, and it is the difference between “I get my money eventually, through a claims process” and “I have a card I can use.” Plan on the first, not the second.

What the notice does not state is the withdrawal fee. It does not state the ATM terms, the spending limits, or the top-up mechanics, because the programme is closed. What unofficial sources reported while the card was open was a 2% ATM fee with a $500 daily ATM limit, and a daily spending limit of $8,000 — one directory listing gives EUR 8K daily and EUR 5K monthly. Treat those as history rather than as terms you can rely on today.

The funding side is also not restated on the notice, but the launch post is clear enough: crypto in your 1inch Wallet is what the card draws on. Unofficial sources listed the spendable assets as 1INCH, ETH, USDT, USDC, BTC, LTC, XRP and BXX, with no networks named — which is itself a problem worth understanding, more on that below.

Support is where I would start if you have a live balance. Card balance, status, KYC, closure and personal-data requests all go to Crypto Life support, by email or the chat inside the card account. If Crypto Life does not respond, 1inch support will log the case and escalate — but 1inch cannot action account-level requests itself. So there are two companies between you and your money, and only one of them can actually do anything. Languages and support hours are not stated. Given the date, I would not wait to find out.

One more thing about where the money sits. Your balance is not held by 1inch. It is held in an e-wallet at Monavate, an authorised e-money institution, and account closure is handled by Crypto Life. Whether that is reassuring depends on your frame: it means your funds sit with a licensed institution rather than with a crypto brand, and in the EU that obliges safeguarding of customer funds, though those funds are not bank deposits and should not be assumed to sit inside a deposit guarantee scheme. The launch blog’s own wording on custody is ambiguous — it says users keep control while still retaining custody — so I would not lean on it for reassurance either way. Two-factor authentication, card freeze and spending controls are not stated.

What can go wrong

The headline risk is not a hack or a fee. It is that you are holding a balance in a product that is being switched off, with a date, and with two companies to deal with. Everything else on this list is smaller than that.

The closure itself. Spending and loading stopping, balances becoming an e-wallet redemption rather than spendable money, and a support queue that grows as more people try to leave at once. Under issuer card terms section 16 there is a six-year redemption window after account closure, and the notice frames 18 December 2026 as the furthest foreseeable date — but timelines set by an issuer or provider are timelines, not guarantees.

Deposits that do not arrive. The user reports I found are all about the same thing: money sent, nothing credited. A USDC deposit to the “1inch crypto card” confirmed on-chain but not credited, dated 1 October 2026; a USDC deposit uncredited for more than 20 hours with replies saying it was “under review,” dated 1 September 2026; a card transfer that never arrived, dated 30 September 2026. That pattern is not exotic — it is what happens when a transfer goes to a network the provider does not support, or to an address on the wrong network. Blockchain transfers are irreversible, and there is no automatic recovery and no guarantee of a refund. Get the network and the address right, and if you are in doubt, do not send.

Slow, generic support. Reports of slow, generic answers, dated June 2025, October 2025 and June 2026, and one report of a withdrawal pending more than 30 days from February 2026 (that one concerns a wallet, not the card). A provider in wind-down is exactly when support quality falls, and the two-company structure means an escalation path that in practice does not close the loop.

Where the money is held. Funds sit in an e-money institution’s balance, not in a bank deposit. That has a meaning for you: e-money institutions must safeguard customer funds, by segregating them or insuring them, but such funds are not the same as bank deposits and may not be covered by a deposit guarantee scheme. If the programme winds down, you are making a claim against an e-money institution under section 16 of its terms, not withdrawing from a current account.

Merchant and payment friction that is structural, not accidental. A card’s first six to eight digits identify the issuing institution, and merchants look that up; if the issuer country differs from your billing address, some apply extra scrutiny, and some decline prepaid or foreign-issued cards outright. Address Verification Service — which compares the numeric parts of your billing address — is mainly offered in the US, Canada and the UK and is generally unavailable for foreign-issued cards, which can cause declines. A declined authorisation can leave a hold on your funds for days, typically up to seven. And gambling merchants fall under merchant category code 7995, which many issuers block by policy rather than by law, with the blocked list differing by issuer. None of this is specific to 1inch, but it is the everyday texture of crypto cards and it is worth knowing before you pick a replacement.

The score on paper. Trustpilot, read on 20 October 2026, shows 3.6 out of 5 for 1inch overall, from 547 reviews, of which only six are from the last twelve months — 79% five-star and 5% one-star, with the company replying to 16% of negative reviews. One aggregator quotes 4.2 from 543, latest review 2 July 2026; Trustpilot itself shows 3.6, and I would trust the platform over the aggregator. No card-specific user report surfaced. The low score in my table is not a complaint about 1inch’s service quality. It is a mark against the product’s current usefulness, because a card in a closed programme is worth very little however good it was.

On rewards, if you were hoping for some: unofficial sources described 2% cashback in BXX or 1% in BTC or USDT, chosen at purchase, with that page internally inconsistent about “1INCH tokens” versus BXX. Unconfirmed by the card, and in any case cashback promises are the first thing to disappear in a wind-down.

What to take instead

If what you wanted from 1inch was a card that turns crypto into everyday spending, the three options below all do that, and all are currently open to applicants. None of them is a like-for-like replacement — each makes different trade-offs — but each is something you can actually sign up for, which 1inch is not. Scores are on the same ten-point scale.

TokenPocket is the closest to a plain crypto-linked debit card, and its fee structure is unusually clear. Sign-up covers a list of European countries and territories — Germany, France, Spain, Switzerland among them — for Visa debit, and a separate list for Mastercard debit that includes Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK, among others; the Americas were described as planned for Q2 2025. The card runs on Arbitrum, Fiat24 cards are virtual, and balances sit in EUR24 and USD24. On cost: the NFT creation fee is partly covered by TokenPocket and the user pays “a small portion” — the amount is not stated — and apart from that “TP Card does not charge any additional fees.” A 1% fee is charged when depositing cryptocurrency into the card, to be refunded later via rewards or reduced transaction fees. Funding is by crypto deposit from the TokenPocket wallet, with specific coins and networks not listed in the FAQ. There is no cashback as such; the refunded 1% is the mechanism. If your question is “what will it cost me,” that is a shorter answer than most.

MetaMask scores highest of the three and works differently from the other two. It is a Mastercard, and the virtual card is issued instantly and is free with no annual or maintenance fee; the metal card costs $199/year and can be pre-ordered in the app after virtual approval, one card per user. The issuer is Monavate and the card provider is Crypto Life — the same two names that stood behind the 1inch card, which is worth noting. Sign-up is open in 45 listed countries and territories (Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain, Uruguay among them), with other regions on a waitlist, proof of residence required, and the citizenship rule not stated; US and UK sign-ups were temporarily closed per the FAQ. On fees: a “minimal fee for each transaction” with the amount not stated on the pages I read, a fee table linked, “no additional MetaMask fees,” and no foreign transaction fee — the Mastercard rate applies. The part I find genuinely appealing is funding: it spends directly from your connected wallet, on Linea, Base, Monad and Solana, with mUSD, wETH, EURe, GBPe, USDC and USDT named. Rewards are the strongest here too — cashback in mUSD into the Money Account, 1% on Virtual and a 3% headline on Metal, with the footnote limiting 3% to the first $10,000 spent and 1% after, plus $FLY bonus multipliers via the Blackbird dining app. Two warnings: a Solana-only wallet cannot withdraw credit, and ineligibility limits sign-ups, not spending.

KAST is the one to look at if you want a tiered membership and a physical metal card. Residence-based eligibility is decided at KYC — the country list is not published, though a Restricted Locations list is referenced without naming countries, and the rules bite in ways worth reading carefully: living in a supported country is not enough if you only hold an ID from a restricted region, dual citizens with an ID from a supported country may pass, only the account holder’s own ID is accepted, a VPN does not bypass it, and you can create an account in an unsupported country while KYC stays locked. The cards are virtual and physical, up to ten per user, across Visa Platinum (Standard), Visa Infinite metal (Premium) and Visa Infinite gold plated (Private), with other designs in Pengu, Solana and Bitcoin. The membership ladder is steeply priced: Standard $0, Premium $1,000/year, Private $10,000/year, billed annually upfront with no monthly option. Beyond that, an extra virtual card is $2, a Standard physical card is a $0 card fee plus $40 delivery, Premium and Private physical cards are included, and there is a $1/month inactivity fee after twelve months; renewal and reactivation fees exist with amounts not stated. On fees: stablecoin top-up 0%, card spend in USD 0%, transaction fee 0%, Apple and Google Pay 0%, a non-USD FX fee of 0.5%–1.75% depending on your residence country, transaction country and card programme, $0.10 on non-USD transactions under $25, $0.50 for a declined transaction on insufficient balance, and non-stablecoin tokens may be auto-converted at a fee shown in the app. Funding is stablecoins — USDT, USDC, PYUSD and RLUSD in the app, though the Terms say acceptable tokens are “currently USDT and USDC,” a conflict you should raise with support — on Ethereum, Solana, Polygon, Arbitrum and TRON, with no bank account needed; spending is from your own balance and is not credit. Cashback is in USD: Standard 1.5% on the first $2,000/month, Premium 2% on the first $10,000/month, Private 3% on the first $40,000/month, plus KAST Points on Premium and Private.

If you are moving your 1inch balance rather than shopping for a new card, the mechanical advice is unglamorous and worth repeating: check that any withdrawal destination supports the network and asset you are sending, because transfers are irreversible; and if you are moving stablecoins, remember that Circle stopped supporting USDC on Tron in February 2024, so “USDC over TRC20” is not a native option.

Who I would recommend it to

Honestly, to very few people — and not as a card to adopt. As a card to keep using, nobody, because there is no way to keep using it: new sign-ups are closed and the programme is being discontinued. As a product history it is instructive. It is a fair example of the crypto card promise and of the category’s structural fragility, and it is a reminder that the card brand you see is rarely the company that holds your balance.

The one group I would actively address is existing cardholders with money left on it. They have a date, a two-company support chain, and a simple job. I would do it now rather than in November, because support quality falls as wind-downs progress and because a transfer that goes to the wrong network has no automatic remedy.

For everyone else, the short version is that 1inch is no longer an option and the choice is between TokenPocket, MetaMask and KAST — and which one is right depends on a question only you can answer. Do you want to spend straight from your own self-custody wallet, in which case MetaMask is the most direct fit and the only one of the three that works that way, and note the self-custody trade-off that comes with it: the funds stay in your wallet until the moment of payment, but key loss, phishing and clipboard-hijacking malware that swaps copied addresses are entirely your problem. Or do you want a prepaid-style balance in a stablecoin, with fees that are unusually close to zero and tiers that reward higher spend, in which case KAST is the one — provided the membership level matches what you would actually spend, and provided you read the country rules before you create anything. TokenPocket sits in between, with the clearest fee statement and a narrower footprint.

Whatever you pick, pick it for the same reasons you would have picked 1inch: check that the country list covers where you live, check what the network and asset rules are, and check who the issuer and provider are. Those three checks are the ones that would have told you, before you applied, that 1inch was the wrong card — and they are the ones worth making on whatever comes next.

Frequently asked questions

What was the 1inch Card?

It was a crypto payment card launched on 8 April 2024 with Mastercard as the network and Crypto Life as the card provider, offering physical and virtual cards. Crypto in your 1inch Wallet was converted to fiat at the moment of payment, so the card behaved much like a prepaid card. It is now being discontinued, and new sign-ups are closed.

Is 1inch a bank?

No. Balances sat in an e-wallet issued by Monavate — Monavate Ltd in the UK, UAB Monavate in the EU — an authorised e-money institution, not a bank. E-money institutions may not lend, and their safeguarded customer funds are not bank deposits and may not be covered by a deposit guarantee scheme. 1inch itself was the brand in front of the programme.

Who owns 1inch?

The card programme involved several companies: Mastercard as the network, Crypto Life as the card provider (Frozen Time UNIPESSOAL LDA for the EU, Baanx Group Ltd for the UK), and Monavate as the issuer of the e-wallet holding your balance. The notice does not state a parent or owner, and the card’s public pages do not explain the corporate relationship between them.

Why is the 1inch Card programme closing, and until when?

The notice states that the programme is being discontinued and that new sign-ups are closed. It does not give a reason, and it does not carry a publication date. Holders are advised to withdraw or spend their balance as soon as reasonably possible, with 18 December 2026 named as the furthest foreseeable date, set by the issuer and provider.

What should I do with the balance on my 1inch card?

Sign in to the card account and withdraw or spend it as soon as reasonably possible — the notice names 18 December 2026 as the furthest foreseeable date. Under section 16 of the issuer’s terms, remaining e-wallet funds can be redeemed for up to six years after account closure. The notice does not state withdrawal fees, so check before sending anything to a new destination.

Can I still apply for a 1inch card?

No. New sign-ups are closed as part of the discontinuation. The card’s own notice carries no country list, and third-party sites reported the EEA and UK with the US not offered as at August 2026 — that is unofficial and not confirmed by the card. If you want a crypto card you can actually sign up for, MetaMask, KAST and TokenPocket are all currently open.

Is the 1inch card safe, and was it safe to use?

The balance was held at an authorised e-money institution, Monavate, rather than by 1inch, which is the more reassuring structure for this category. But user reports include a USDC deposit confirmed on-chain but not credited, dated 1 October 2026, and one uncredited for over 20 hours on 1 September 2026. Blockchain transfers are irreversible, so sending on a network the provider does not support can mean losing the money or needing manual support recovery with no guarantee.

What are the fees on the 1inch card?

Officially, the card’s public pages do not state them. Unofficial sources report an annual fee of $0, an FX fee of 0%, a crypto conversion fee of 1.75% per transaction, and a 2% ATM fee with a $500 daily ATM limit; another aggregator reports a separate 2% card spend fee alongside the 1.75% conversion fee. Since the programme is closing, treat all of it as history rather than as terms you can rely on.

Can I use a 1inch card in my country, and does it work with Apple Pay?

The card’s own material does not state a country list, and with the programme closing the question is largely moot for new users. Unofficial reports listed Apple Pay and Google Pay support, a $500 daily ATM limit and an $8,000 daily spending limit. If you are choosing a replacement, MetaMask and KAST both support mobile wallets and both publish their own eligibility rules.

Is the 1inch Card worth it, and what should I use instead?

Not as a card to adopt: it scores 4.4 out of 10, largely because a closing programme is worth very little however well it once worked. If you want to spend straight from your own self-custody wallet, MetaMask (7.1) is the closest fit and the only option of the three that works that way. KAST (6.1) suits a stablecoin balance with tiered cashback, and TokenPocket (5.8) has the clearest fee statement of the three.

Content created by the «cryptocardcatalog» team