1inch pulled the plug on its card — holders have a deadline and a choice to make

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

If you were considering the 1inch Card, the practical question is no longer how good it was. The programme is being discontinued, new sign-ups are closed, and the card’s own notice tells users to withdraw or spend what is left as soon as they reasonably can, with 18 December 2026 named as the furthest foreseeable date. So this page is written for two readers at once: the person who was tempted by a crypto-linked Mastercard and arrived here to check whether it was worth it, and the person who already holds one and needs to know what to do in the next few months. You will not find a score that says “great card” here, because the card is no longer being issued. You will find what actually happened, what is confirmed versus what comes from third-party sites, what your options are if you are a holder, and which cards replace it.

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

Verdict: 4.4 out of 10, and the reason is not the fees

Let me put the number on the table first, because you should see it before anything else: the 1inch Card scores 4.4 out of 10. That is not a score about how the card performed while it was live. It is a score about a product that is being shut down, and a shutdown pulls almost every criterion down with it.

Two things stand out. The first is the shape of the table: the highest mark is 9 for everyday use, and the lowest is 0 for who can get it. This was, by its own materials, a card that worked well in the places a card works — in shops, at a terminal, in a wallet — and then stopped existing as an option. The second is 2 for reliability. Reliability is not only about whether a payment goes through on a Tuesday afternoon; it is also about whether the company behind the card is there next year, and whether your money is where it should be when you go to use it. On both counts the answer is now unfavourable.

Who does the card suit? Almost nobody, in the sense of “should you apply”. Nobody can apply; the programme is closed to new sign-ups. If you already hold one and your money is still on it, the suitability question becomes different and I will take it up properly below. Who does it not suit? Anyone starting from zero who wants a crypto card for everyday spending. There is nothing to join any more, and the notice does not describe a waiting list or a successor. My honest read is that 4.4 is generous to a product that has already left the market, and if you have not applied yet, the number to remember is the zero in the second row.

What happened to the programme

Here is the timeline, and it is short. The 1inch Card launched on 8 April 2024 with Mastercard and Crypto Life, according to the launch blog (which carries an update date of 8 May 2026). Then came the discontinuation notice. On that notice, new sign-ups are closed, and users are recommended to move their balances out by 18 December 2026 — though the notice itself does not carry a visible date, so I cannot tell you when the announcement was published.

The card, as launched, was physical and virtual, issued by Crypto Life and, in the launch blog’s words, “powered exclusively by the Mastercard network”. Physical and virtual cards both existed; delivery details are not stated anywhere I could find, which makes sense for a closed programme.

Behind the card sit named companies. The issuers are Monavate Ltd (UK) and UAB Monavate (EU) — an authorised e-money institution. The card provider is Crypto Life (CL), which operates as Frozen Time UNIPESSOAL LDA in the EU and Baanx Group Ltd in the UK. 1inch is the brand on the front, running the programme, but it is not the institution that holds your balance; more on that in a moment.

Now the honest part. A great deal of what you will read about this card on other websites is not from the card itself, and the card’s own public pages are thin. The official notice does not state who could get it, whether KYC was required, what the fees were, which wallets were supported, what the rewards were, or what currency the card dealt in — because the programme is closed. Because official notices do not list these details, they come from third-party aggregators and are marked unofficial. Here is what circulated:

• Who it was for — unofficial: the EEA and the UK; not offered in the US (per third-party sources, August 2026).
• Identity checks — unofficial: KYC required, with a basic tier at lower limits available (per third-party sources, August 2026). Officially, KYC was handled by the card provider CL, and the requirements are not stated.
• Annual fee — unofficial: $0 (per third-party sources, August 2026).
• Fees — unofficial: FX fee 0%; a crypto conversion fee of 1.75% on every transaction (per third-party sources, August 2026). Another aggregator reports a 2% card spend fee alongside the 1.75% conversion fee.
• Wallets — unofficial: Apple Pay and Google Pay (per third-party sources, August 2026).
• Rewards — unofficial: 2% cashback in BXX or 1% in BTC/USDT, chosen at purchase — but that page is internally inconsistent about “1INCH tokens” versus BXX (per third-party sources, August 2026).

Treat that whole block as a snapshot of what third parties were saying, not as terms. The card itself never confirmed those numbers on the pages that remain, and where you and I would want certainty — is there an FX fee, is there a spend fee, is there a basic tier — the answer today is that the public record does not say.

One more thread is worth pulling, because it explains why a page like this has to be written with so many “not stated” in it. If you search for what 1inch is, you will find that it is a decentralised exchange aggregator, a tool that routes swaps across many blockchain venues, not a bank. That business is separate from the card. The card was a programme sitting on top of Monavate’s e-money and Crypto Life’s issuing, and the brand’s name on the front is not the same thing as the institution holding the balance. Hold on to that distinction, because it is the one that matters most in the risk section.

If you already have the card

This is the section I would read twice if the card were in your wallet. The short version: sign in to your card account and take your money out or spend it as soon as you reasonably can. The card’s own advice is to withdraw or spend the balance by signing in, and 18 December 2026 is stated as the furthest foreseeable date. The notice is careful with that wording — the timeline is set by the issuer and provider, not guaranteed — which is how you should read it too. Treat 18 December as a hard stop for planning, not a promise that spending still works on the day before.

Here is what is confirmed, and what is not:

• Your money is not held by 1inch. It sits in an e-wallet issued by Monavate, not by the crypto brand. That is a fact worth sitting with, because it decides who you talk to when something goes wrong.
• Redemption window. Under the issuer’s card terms, section 16, remaining e-wallet funds can be redeemed up to six years after account closure. So the money is not simply gone when the programme ends; there is a stated long tail.
• Withdrawal fees: not stated. Nobody has published what it costs you to take the balance out.
• ATM fees and limits: not stated officially. Unofficial: a 2% ATM fee with a $500 daily ATM limit.
• Spending limits: not stated officially. Unofficial: an $8,000 daily spending limit; a separate directory listing gives EUR 8K daily and EUR 5K monthly.
• What you could fund it with: not stated officially, because the programme is closed. Unofficial: 1INCH, ETH, USDT, USDC, BTC, LTC, XRP and BXX were spendable. The launch blog put it more simply — the card needs only “crypto in your 1inch Wallet”, converted to fiat at the point of payment.
• Refunds and disputes: not stated. There is no refund or dispute process described on the notice.

Who do you contact? Card balance, status, KYC, closure and personal-data requests go to Crypto Life support, by email or the chat inside your card account. If CL does not respond, contact 1inch support with your request, the date and the channel you used — 1inch logs the case and escalates it, but cannot action account-level requests itself. That division is the thing to internalise: 1inch can carry your message; CL is the party that can actually do something. Languages and support hours are not stated.

I want to be careful about one thing here, because it is the kind of sentence that can be misread. Everything above is about moving your own balance out of a product that is closing, on the timetable the notice sets. There is no question of identity checks, documents, or country rules that I am helping anyone navigate, and there should not be — the KYC and compliance side was handled by CL under law and is not something a review page should be improvising about.

What can go wrong

The headline risk is the one the notice itself is built around: the programme is ending, and the money you hold on the card is money you will have to move yourself. Beyond that, three things deserve your attention.

First, who is actually holding the funds. The balance lives in an e-wallet at Monavate, an authorised e-money institution — not at 1inch. That is reassuring in one narrow sense and important in another: it means your closure and account requests are handled by the card provider Crypto Life, and 1inch, the name you recognise, is not the party that can freeze, return, or release anything. If you want to understand the difference this makes, it is worth understanding that an electronic money institution in the EU can issue e-money, payment cards and e-wallets but cannot lend, and it may serve customers across the EU/EEA from a licence granted in one member state. Whether your funds are safeguarded, and in what way, depends on the issuer’s arrangements, not on 1inch’s brand.

Second, complaints. Officially, the story is the discontinuation and the 18 December 2026 move-out date. Beyond that, no card-specific user reports were found. There is a broader picture for 1inch as a company, and it is worth reading with the caveat that Trustpilot numbers move over time and the pages I read on 20 October 2026. Trustpilot for 1inch overall showed 3.6/5 from 547 reviews, with only 6 reviews in the last 12 months, 79% five-star and 5% one-star, and the company replying to 16% of negative reviews. (One aggregator puts it at 4.2/5 from Traders Union; Trustpilot itself shows 3.6 — I have given you the primary number.)

The user-report themes that touch the card specifically are about money arriving late, or not at all: a USDC deposit to the “1inch crypto card” confirmed on-chain but not credited (1 October 2026); a card transfer that never arrived (30 September 2026); a USDC deposit uncredited for 20+ hours with answers of “under review” (1 September 2026); a withdrawal pending 30+ days (February 2026, from the wallet); and slow, generic support (June 2025, October 2025, June 2026). You will notice the pattern. Deposits that show up on the blockchain and not in the balance are the classic crypto-card failure mode, and a closure notice is exactly the moment when support volume spikes and answer quality drops.

Third, custody wording. The launch blog’s language on custody is, to put it politely, ambiguous — it says users keep control “while still retaining custody”. Whether your funds sit with you or with an institution is not something you should have to parse out of a marketing sentence. What is clear is the structure above: an e-wallet at an e-money institution, with the crypto brand as programme manager. As for the usual safeguards — 2FA, instant freeze, spending controls — the card’s public pages do not say whether these were offered.

There is a category-level point worth adding, because closures like this are not a 1inch quirk. Programme closures typically run in a recognisable order: a notice period, then spending and loading stop, then users are asked to withdraw remaining balances. One 2026 closure reported by a secondary source had new loads ending 8 July 2026 and spending stopping 8 August 2026 — a single unconfirmed source, so I offer it as a shape rather than a fact. And the underlying reason is often structural rather than accidental: the card networks themselves do not issue crypto cards to consumers, they license issuers, and they can suspend a programme. Visa said in November 2022 that it had “terminated our global agreements with FTX”, and the FTX US debit card was wound down by its issuer. WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. A crypto card lives or dies on someone else’s licence.

What to take instead

Three cards come up repeatedly when you ask what replaced 1inch, and here is how they compare. All three are live programmes; all three score better than 4.4, and the comparison is deliberately plain so you can see which one fits your situation.

This table is where the differences live, so let me take you through it the way I would if you were sitting next to me. The single biggest structural difference is that MetaMask spends directly from your connected wallet rather than from a pre-loaded balance, across the networks Linea, Base, Monad and Solana, with tokens including mUSD, wETH, EURe, GBPe, USDC and USDT. That is a different risk profile from a stored balance, and you should read the difference as one: your funds stay in your own wallet until the moment of payment, and you bear sole responsibility for key loss, phishing and malware that swaps copied addresses. Set against that, a pre-loaded balance cannot overdraw in the first place, because the card only spends what you put in. Neither model is free of risk; they are different risks, and the right one depends on how much you are comfortable holding yourself.

KAST is the one to look at if you want a wide range of cards and a clear tier structure: up to 10 cards per user, from a Visa Platinum Standard through Visa Infinite metal and gold options, with annual membership at 0, 1,000 or 10,000 USD. Its rewards scale with the tier — 1.5% cashback on the first 2,000 USD/month for Standard, 2% on the first 10,000 for Premium, 3% on the first 40,000 for Private — and it takes stablecoins (USDT, USDC, PYUSD, RLUSD) across Ethereum, Solana, Polygon, Arbitrum and TRON, with no bank account needed. Two cautions on KAST. First, its country list is not published; the KYC screen shows it, and if your country is not listed, KAST is not available there. Second, its own terms conflict: they say acceptable tokens are “currently USDT and USDC” while the app lists PYUSD and RLUSD. Conflicts in published terms are worth asking about, not glossing over.

Zeal sits closest to 1inch’s old shape — a stored balance — but on Visa, spending in 150+ countries, with no additional FX fee and conversion at the Visa wholesale rate. Accounts run in EUR, USD and GBP on Gnosis Pay infrastructure, and the card is virtual and addable to Apple Pay; whether a physical card exists is not stated, and no fee schedule is published on the site or the App Store. Cashback is up to 4%, paid in GNO, and you must hold GNO in the card Safe to qualify — the rates can change.

Two of these require a little more from you at the door. MetaMask needs proof of residency, and while ineligible regions limit sign-ups rather than spending, US and UK sign-ups are temporarily closed per its FAQ. KAST screens on citizenship as well as residence: 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, and a VPN does not bypass it. KAST’s rule about residence is the mirror image of 1inch’s problem — there, you could not get in at all; here, you can see your eligibility at the KYC step rather than after the event. Neither KAST nor MetaMask publishes a citizenship rule, which is worth asking about if your situation is unusual.

The honest summary of this comparison: there is no like-for-like replacement, because a closed programme does not hand you its successor. What you have instead is a field of live cards with different custody models, different fee structures and different eligibility tests, and the choice between them is about how you want to hold money and which country rules apply to you.

Who I would recommend it to

I would recommend the 1inch Card to almost no one, and that includes people who already hold one. Here is my actual reasoning, in the order I would say it to a friend.

If you have never applied: there is nothing to apply for. This is not a close call and I would not spend more of your time on it. Read the section above on what happened, note that 18 December 2026 was the date the notice itself named, and move on to the alternatives.

If you hold the card and a balance: withdraw or spend it, as soon as you reasonably can, through your card account, and treat 18 December 2026 as the deadline your planning is built around rather than a guarantee. Know that your balance is an e-wallet balance at Monavate, that Crypto Life support is the party who can action your closure request, and that 1inch support can log and escalate but cannot do it for you. Keep the six-year redemption point in mind as a backstop, not as a plan — “redeemable up to six years” is not the same as “easy to redeem in six years”, and I have seen no stated withdrawal fee to reassure me that the exit is cheap. If you are going to ask one question anywhere in this process, ask CL what withdrawing will cost and what happens to a balance that is left on the day.

If you are the kind of person for whom this card was designed — someone who wants a normal-looking card that draws on crypto they already hold — then the live options above are where your attention belongs, and the single question that decides between them is custody. MetaMask keeps your funds in your wallet until the moment of payment and makes you responsible for the keys. KAST and Zeal hold a balance for you and take on more of the operational risk, for fees they set out in public. Neither model is safer in the abstract; they are safer in different situations, and only you know which situation you are in.

There is a fourth kind of reader I should mention, because this page will be found by people who simply searched “1inch card review” out of curiosity. Nothing here is for you beyond the timeline. The card is closed, the number is 4.4, and the alternatives are open.

Frequently asked questions

What was the 1inch Card?

It was a payment card launched on 8 April 2024 with Mastercard and Crypto Life, offered in physical and virtual form and described as “powered exclusively by the Mastercard network”. It drew on crypto held in a 1inch Wallet, converted to fiat at the point of payment. The programme is now being discontinued, so no new sign-ups are accepted, and the card’s own pages no longer state its fees, limits or eligibility.

How did the 1inch Card work?

You held crypto, and the card converted it to fiat when you spent. The launch blog framed it as needing only “crypto in your 1inch Wallet”, with conversion at payment, and third-party sources listed 1INCH, ETH, USDT, USDC, BTC, LTC, XRP and BXX as spendable — unofficial, and the networks were not named. Balances sat in an e-wallet issued by Monavate, not by 1inch, which is why your closure requests go to Crypto Life.

Is 1inch a bank?

No. 1inch is a decentralised exchange aggregator, a tool that routes swaps across many blockchain venues. The card itself sat on Monavate Ltd (UK) or UAB Monavate (EU), an authorised e-money institution, with Crypto Life as card provider. An electronic money institution can issue e-money, cards and wallets but cannot lend, so this was a payment product, not a bank account.

Who owns 1inch?

1inch is a decentralised software project, which is a different and more awkward question than it sounds. What matters for a cardholder is who holds your money: the balance sits with Monavate as an e-wallet, while 1inch ran the programme as the brand on the front. If you are asking this because you want to know who to contact, the answer is Crypto Life support first, then 1inch support to escalate.

Can I still apply for the 1inch Card?

No. New sign-ups are closed. The discontinuation notice says the programme is being discontinued and recommends moving balances out by 18 December 2026, with the timeline set by the issuer and provider. There is no waiting list and no successor programme described on the notice, so if you are starting from zero, the live alternatives are the only route.

Does the 1inch Card require KYC?

Identity checks were handled by the card provider Crypto Life, and the requirements are not stated on the card’s public pages. Third-party sources said KYC was required with a basic tier at lower limits — unofficial, and the card never confirmed it. This is also the general pattern: EU due diligence covers name, address, date of birth, nationality, ID documents, a sanctions check and PEP status.

How do I withdraw money from the 1inch Card?

Sign in to your card account and withdraw or spend the balance as soon as you reasonably can; that is the card’s own advice, with 18 December 2026 as the furthest foreseeable date. Withdrawal fees are not stated anywhere public, so ask before you assume it is free. If Crypto Life does not respond, contact 1inch support with your request, date and channel — it logs and escalates but cannot action account-level requests.

What can I use the 1inch Card for before it closes?

Anything you would use any card for, in the ordinary course — the card was physical and virtual and, unofficial, worked with Apple Pay and Google Pay, with a reported 500 USD daily ATM limit and 8,000 USD daily spending limit. Spending counts as moving the balance out, and the notice explicitly accepts spending as an alternative to withdrawing. Do it before the date, not on it.

Is the 1inch Card safe?

The balance is held in an e-wallet at an authorised e-money institution, not by 1inch, and issuer terms allow remaining funds to be redeemed up to six years after account closure — that is genuine protection. Against that, the programme is ending, user reports from the period around closure describe USDC deposits confirmed on-chain but not credited, and a transfer that never arrived, while the launch blog’s custody wording is ambiguous. Safety here is a question of structure and timing, and the timing is now.

What should I use instead of the 1inch Card?

MetaMask Card (7.1/10) spends directly from your wallet across Linea, Base, Monad and Solana, free in virtual form; KAST (6.1/10) offers Visa cards across three membership tiers with stablecoin funding and up to 3% cashback; Zeal (6.1/10) is a Visa balance card with no added FX fee and up to 4% cashback in GNO. Which one fits depends mainly on whether you want to hold the keys yourself or accept a stored balance.

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