A prepaid Visa with tiered crypto rewards — good for Europe and Singapore, harder than it looks everywhere else

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Crypto.com card is a prepaid Visa that you load with money and spend like any other card, with the difference that the money can come from a crypto balance and that spending earns you back some of the company’s own token. That is genuinely useful for people whose normal route to a bank card is blocked, and genuinely annoying for people who just want a cheap debit card — because the value is tied up in a token, and the cheapest tier is the one where you get almost nothing back.

I went through the card’s own pages and help articles as they stood on 20 October 2026, checked who issues it where, what each tier costs, what the limits are and what people actually complain about. Here is what I found, and who I think it suits.

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

Verdict: 7.0 out of 10

The score is not a rounding of marketing. It is six criteria, each worth its own mark, and the total is 7.0. Where the card is strong — everyday use — it is genuinely strong. Where it is weak — reliability and complaints — that weakness is real and comes mostly from the app and the exchange rather than from the plastic in your hand.

Who this suits: residents of Europe and Singapore who want tiered crypto rewards and already hold CRO or are willing to hold it. Also anyone who has a crypto balance and wants to spend it without going through a bank.

Who it does not suit: anyone who wants a plain, free debit card; anyone in a country outside the issue list; anyone who will be annoyed by conversion steps before a purchase; anyone who plans to hold large sums on it, because the maximum balance is capped.

Will they give you the card?

Yes, but the issuer changes with your region, and that is the single most important thing to understand before you apply. The card is not issued by one bank worldwide. It is issued by a local entity in each market, and which entity issues yours determines who you deal with when something goes wrong.

By region:

• US — Community Federal Savings Bank
• Europe — Foris MT Limited
• Singapore — Foris Asia
• Canada — Digital Commerce Bank
• Australia — Foris GFS Australia
• UK — ForisGFS UK
• Brazil — a USD card from Foris MT, for use outside Brazil

The European help article, as of 20 July 2026, lists 30 European countries plus the UK: 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.

The rule is by residential address. The fee articles are split by “residential address in Europe”, “residential address in Singapore” and “non-Europe, Brazil and LATAM”, which tells you the company thinks of you by where you live. The citizenship rule is not stated. That gap matters if your citizenship and your address are in different countries — you would be applying as a resident of where you live, but the card’s public pages do not tell you what happens if your citizenship is screened.

One unofficial line, from a third-party card directory in August 2026 and not confirmed by Crypto.com: Russia appears on a list of ten restricted countries, alongside Afghanistan, China, Cuba, Iran, North Korea, Somalia, Sudan, Syria and Yemen. That same directory’s page is internally inconsistent, because Sudan also appears in an “available” list. Older 2020 coverage from CoinDesk and CoinCodex noted that Russia, Turkey and Ukraine were unsupported markets at launch. Treat all of this as orientation, not as a rule you can rely on.

How to get it

The application is an identity check. On the page I read, the only verification notice shown is the USA PATRIOT Act one: name, address, date of birth and a national ID number, which in the US means a social security number or a country ID. The card may also ask for a driving licence or another photo ID. Whether proof of address and a check on your age are required is not stated.

What that means in practice: you should expect to hand over government identity documents and wait. Cards page shows only the USA PATRIOT Act identity notice — the levels, the processing time and the rejection reasons are not stated. Nobody publishes a “you were refused because…” list, and you should assume any answer you get on that is individual.

The card itself is a prepaid Visa: it is not linked to a bank account, and it must be topped up. Whether a virtual, physical or metal card is offered is not stated on that page, though third-party sources in August 2026 — unofficial — say a virtual card is available immediately on approval and the physical one is shipped later.

Delivery and card costs in Europe:

Delivery time is not stated. Unofficial US figures, from the same third-party directory: physical card 4.99 USD at Midnight and 29.99 USD at Ruby, nothing for higher tiers; replacement 7 USD at Midnight and 50 USD for the others.

One thing to know before you start, because it shapes everything that follows: your level on the Level Up plan decides which tier you can apply for. You do not choose the tier; the tier follows what the system has assigned you.

Fees: what it really costs

The pricing is tiered by CRO lockup, meaning you tie up the company’s own token to reach the better tiers. The card page lists: Free; 4.99 USD a month, 49.90 USD a year or a 500 USD lockup; 29.99 USD a month, 299.90 USD a year or a 5,000 USD lockup; and further 50,000 USD and 500,000 USD lockup tiers. The tier labels on that page are jumbled, so read the numbers rather than the names. The issuance fee is not stated there.

Then the Europe-specific costs, which is where the real total lives:

Note what is *not* in that table: spend limits are not stated, and the fee above the free ATM amount in the general table is not stated either — the European article fills it in at 2%, which is the number to use.

Two or three everyday payments, so you can see the shape of it.

A 30 EUR lunch paid in the euro from a Midnight card in Germany. The top-up that funded it cost 1% — 0.30 EUR on 30 EUR — and the purchase itself carries no card fee. Your 0% earn on Midnight means you get nothing back. The real cost of that lunch is roughly 0.30 EUR.

The same 30 EUR lunch paid in dollars from the same card while you are in New York. Now you pay the Midnight FX fee of 2.0% outside the EU and UK, about 0.60 EUR, plus whatever the terminal’s own currency handling adds. And if you funded the card by converting crypto first, the conversion happened earlier, at whatever rate the app gave you that day. The 1% top-up fee and the 2% FX fee stack on top of each other, and the card does not pretend otherwise.

A 200 EUR cash withdrawal from a Midnight card in Spain. The first 200 EUR of your monthly allowance is free of the Crypto.com fee, so this one costs you nothing beyond the bank’s own ATM charge — but the card’s own tables cap the free amount at 200 EUR a month at Free tier, 400 EUR at the 4.99 USD tier, and 800 EUR at the 29.99 USD tier and above, with a monthly cap of 10,000 EUR on the paid tiers. Note also that the provider’s own surcharge counts toward that allowance, so a badly behaved cash machine eats your free withdrawal twice over.

The general page hedges: top-up fees, interbank exchange rate and ATM fees “may apply” depending on jurisdiction and tier, without amounts, and says crypto is converted to local currency before loading.

How to top up

Top up from the Crypto Wallet, the Cash Account, or another credit or debit card. Crypto cannot be loaded onto the card directly — it is converted to local currency first. That is the single most important operational fact, and it is worth sitting with: the card is a spending front end for fiat, and the crypto part happens one step earlier, on terms the card page does not set out.

Networks are not applicable here, which is unusual for this category. There is no “send USDT on the wrong chain and lose it” step in the card’s own flow. It happens in the wallet, outside the card.

For Europe:

• Top up by debit or credit card: 1%
• Minimum card top-up: 20 EUR
• Aggregated top-up: 25,000 EUR daily and monthly, 250,000 EUR a year
• The same caps apply to crypto-to-card and cash-account-to-card top-ups
• Maximum card balance: 25,000 EUR
• Load frequency: 12 a day, 140 a month

On the general table the aggregated top-up limit is given as 25,000 USD a month for all tiers.

Getting your money back out is where the card is quietest. The European article lists an account closure fee of 50 EUR and the inactivity fee, but the fee or procedure for withdrawing the card balance back to a wallet or a bank is not stated in that article. If your reason for taking the card is that you expect to move money out again, ask this question before you load it, not after.

Paying with it every day

This is the strong part, and it deserves the 9 out of 10 it gets.

It is a prepaid Visa. A prepaid card draws on a stored balance, unlike a standard debit card that asks the cardholder’s bank to withdraw from a linked account at the time of purchase — and many crypto cards behave as prepaid cards for a good reason: they cannot overdraw. Cash withdrawals are available with a free monthly allowance starting at 200 EUR at the Midnight tier.

Rewards are paid in CRO to your Crypto Wallet after each eligible transaction. Everyday spend, from the main table:

Travel bookings earn more: up to 5%, 20%, 25%, 30% and 40% across the tiers. Certain merchant categories and channels are excluded from CRO rewards, and the full list sits in a help article I did not read; whether gambling is blocked is not stated. Smaller tables on the same page show different values — the main table is the one I have used.

The currency is local to the issuer: the European card is in EUR, the Canadian card in CAD only, the Brazilian card in USD. Multi-currency balances are not stated.

On mobile wallets, the cards page says nothing about Apple Pay or Google Pay. Unofficial third-party sources from August 2026 say Apple Pay, Google Pay and Samsung Pay are supported with availability varying by region. Ask in the app rather than taking my word for it.

The app is where you manage the card. The App Store listing, “Crypto.com: Trade Every Market”, showed 4.7/5 from 336K ratings when I read it on 20 October 2026, with Russian among the supported languages. The Google Play rating was not read. Unofficial figures from the same third-party directory: Apple 4.7/5 from 321,114 ratings and Google Play 4.5/5 from 661,155 ratings.

Dispute handling — what happens when a merchant refuses your money — is not stated on the page I read. In this category that matters more than it sounds: a chargeback is a refund ordered by the card issuer, with reason codes such as fraud, duplicate billing or goods not received, and prepaid-card coverage varies by scheme and should not be assumed. Ask how a dispute is filed before you need one.

What can go wrong

Start with the complaints, because they are the reason reliability scored 6 and not higher. Trustpilot showed 2.0/5 from 9,493 reviews when I read them on 20 October 2026, with 72% one-star, and the company replying to 31% of the negative ones. The October 2026 themes were: cannot fund the card, payment failures, a cancelled subscription still being charged, cashback terms changed after sign-up, withdrawals failing, chatbot-style 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, but you use all of them through the same app.

No official incident of any kind appeared on the pages I read, and I did not read user reports or news beyond the official sources.

Then the issuer, because it varies and you need to know yours:

• US — Community Federal Savings Bank, Member FDIC, Visa U.S.A. licence
• Malta, EU and the USD card — 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
• UK — ForisGFS UK Limited, an FCA-authorised e-money institution and not FSCS-covered

That last line is the one to sit with if you are in the UK. An e-money institution is not a bank, and safeguarding is not the same as deposit protection.

The money is custodial: Crypto.com or the issuer holds it. The page cites AICIA SOC, ISO 27701, ISO 22301 and PCI DSS — I take those as the standards the company says it works to. Card-level features such as two-factor authentication, an instant freeze and spending controls are not described on the cards page, and insurance or safeguarding arrangements are not stated.

Then the risks that come with the category rather than the company. Control of crypto belongs to whoever holds the private key or seed phrase, so with a custodial wallet you must trust the provider completely. A seed phrase is typically 12 to 24 words and anyone who obtains it can restore the wallet and spend its funds. Transfers are typically irreversible, and a stolen key has no built-in recovery: the network cannot freeze or return anything. This is not hypothetical history — Mt. Gox (about US$350 million reported stolen, 2011–2014), Coincheck (about US$400 million, 2018) and the Ronin Network (US$625 million, 2022) are the standard examples.

Support is live chat in the app or on the web via the Crypto.com support site, plus phone and email by region — the US line is 888-824-8817 and Singapore is 65-6264-0211 — with priority support at higher tiers and 26 languages in the app listing.

On fees moving: the European fee article says the inactivity fee rises from 5 EUR to 6 EUR, and its FX schedule is dated “before and from 1 October 2026”. No 2026 licence or issuer news turned up in search.

And one category risk worth naming, because it is the reason prepaid cards get refused at counters. A merchant category code is a four-digit number classifying a business by goods or services; MCC 7995 covers gambling, and many issuers block it by policy rather than by law, with the blocked list varying by issuer. More broadly, merchants can look up the issuer’s identification number at the start of the card and see which country issued it, which is why a card issued in one country can look foreign to a shop in another and attract extra scrutiny. Declined authorisations may also leave a hold on your money for several days, typically up to seven.

What to take instead

Three alternatives came up, all of them narrower than Crypto.com in some way and all of them flawed in their own way.

Bybit Card, 6.0 / 10. It runs in more places than you would guess — Argentina, the AIFC in Kazakhstan, Georgia, Kazakhstan, Australia, Mexico, Brazil, Peru and Asia Pacific — but its cards page states plainly: “This product is not meant for European Economic Area customers. All European Economic Area customer participation is strictly prohibited.” That is a hard no if you are in Europe, which is exactly where Crypto.com is strongest. Its virtual card issuance is free in all regions “until further notice”, physical issuance ranges from 29.99 USD in Australia to 5 USD in Argentina and 29.99 USDT in Georgia, Kazakhstan and Asia Pacific, and it states “no interest, no annual fees”. Its crypto conversion fee is 0.9% over the One-Click Sell rate, with 0.5% in Argentina; FX is 2% on top of the network rate in Australia, Asia Pacific, Georgia and Mexico, 7% in Argentina, 1.5% in Brazil, 1% in Peru, and Kazakhstan adds a 2% international fee on purchases outside the country even in USD. From 5 October 2026 at 10:00 UTC, only crypto-funded transactions earn points or cashback — fiat-funded spending earns nothing at all — and the tier table runs from Base 2.00% with a 5 USD monthly cap up to Infinite 10% with a 600 USD cap.

Coinbase Card, 6.4 / 10. The cleanest and most boring option, if you are in the United States. All US states except Hawaii. A Visa prepaid debit card, virtual or physical, spending cash or crypto, with all crypto converted to US dollars at the time of purchase or ATM withdrawal. “Zero spending fees and no annual fees.” No Coinbase transaction fees, but a spread applies when Coinbase buys, sells or trades the crypto. Funding is by linking a bank account or depositing part of a paycheck, with crypto on the Coinbase balance spendable directly. Rewards are optional, US-only, and the rate is variable and shown in the app. If your problem is that you cannot get an ordinary bank card and you are American, this does the job with less machinery. If you are anywhere else, it is irrelevant.

OKX, 6.2 / 10. A virtual Mastercard in euro linked to OKX Pay, for the EU plus Norway, launched 28 January 2026, with Iceland and Liechtenstein excluded. No card fee, no transaction fee, no OKX FX fee. The conversion spread is where it gets soft: 0.1% per an explainer in May 2026 against 0.4% market spread in the launch press release — a conflict, with the explainer being the newer source. You hold USDC or USDG in OKX Pay and other coins must be converted first; there is no auto top-up and a payment is simply declined if the balance is short. Cashback applies only to USDG purchases, at 2% capped at 10 EUR a month on Regular up to 10% capped at 1,000 EUR on VIP4+ — though the text and the table disagree about the top rate.

Against all three, Crypto.com’s position is: the widest regional coverage among serious options, the deepest reward tiers, and the most expensive machinery to use them. Its 9 for everyday use reflects something the others do not combine — a real allowance of free ATM withdrawals, no FX fee at the top tiers, and a rewards rate that goes up rather than down if you hold the token.

Who I would recommend it to

I would recommend this card to a resident of Europe or Singapore who already holds CRO, is comfortable locking more of it up to move up a tier, and wants the free 200 EUR of monthly ATM withdrawals plus a card that earns without thinking about it. In that shape, the 1% top-up fee and the 2% above-allowance ATM fee are cheap prices for a working Visa with no FX fee at the higher tiers.

I would not recommend it to someone whose main goal is a cheap everyday debit card. You can compare: the Coinbase Card in the US charges zero spending fees and no annual fee. You would be paying for tiered token rewards you may not use, in a system where your cheapest tier earns 0% and your better tiers cost real money or real lockup.

I would hold off entirely if you are outside the listed countries, if your citizenship and your address are in different places and the citizenship rule matters to you, if you intend to hold more than 25,000 EUR on the card, or if moving money back off the card is part of your plan — because that procedure is not stated where the fees are.

And the thing I would tell anyone: the card is not the risky part. Custody of the crypto is. The card is a prepaid Visa against a balance; the balance sits with a company whose app and exchange are what people complain about, rated 2.0 out of 5 on Trustpilot from 9,493 reviews, and whose token has been delisted from its own listings before. Judge it as what it is — a good prepaid card attached to a demanding platform — and decide whether you want both halves.

Frequently asked questions

What is the Crypto.com card?

The Crypto.com card is a prepaid Visa: a card number that draws on a balance you have loaded, rather than on a bank account. The balance is loaded from the Crypto.com Crypto Wallet, the Cash Account, or another debit or credit card. Because it is prepaid, it cannot overdraw, and it is issued by a different legal entity depending on your region — a bank in the US and Canada, Foris entities in Europe, Singapore, Australia and the UK.

Is Crypto.com a bank?

No — the brand is not a bank, and in several markets it is deliberately not one. The card is issued by partner entities: Community Federal Savings Bank in the US, Foris MT Limited in Europe, Foris Asia in Singapore, Digital Commerce Bank in Canada, Foris GFS Australia and ForisGFS UK in the UK and Australia. An e-money institution such as the UK entity is FCA-authorised but not FSCS-covered, which means customer funds are safeguarded in a different way from bank deposits.

How do I get the Crypto.com card?

You apply in the Crypto.com App and pass an identity check that shows only the USA PATRIOT Act notice on the public page: name, address, date of birth and a national ID number, possibly a driving licence or other photo ID. Which tier you can apply for is decided by your Level Up plan rather than chosen by you. In Europe, a Midnight physical card costs 4.99 EUR and a Ruby card 24.99 EUR; delivery time is not stated.

Does the Crypto.com card require KYC?

Yes. Because a card is a payment instrument, it sits under anti-money-laundering rules, and the public page shows a USA PATRIOT Act identity notice requiring name, address, date of birth and an identification number, with a driving licence or other photo ID possible. Whether proof of address and an age check are required is not stated. Unofficial third-party sources say identity verification with a government ID, a selfie and proof of address is possible.

Is the Crypto.com card free?

Only at the Free tier, and even that has costs attached elsewhere. The tier structure runs Free, 4.99 USD a month, and 29.99 USD a month, plus 50,000 USD and 500,000 USD lockup tiers; in Europe, physical issuance is 4.99 EUR at Midnight, top-ups by card cost 1%, ATM withdrawals cost 2% above the free allowance, and an inactivity fee of 5 EUR a month rises to 6 EUR from 1 October 2026.

How do I top up the Crypto.com card?

From the Crypto Wallet, the Cash Account or another debit or credit card. Crypto cannot be loaded onto the card directly — it is converted to local currency first, which is why conversion happens before the purchase rather than at it. In Europe a card top-up costs 1% with a 20 EUR minimum, is limited to 25,000 EUR daily and monthly, and you can load 12 times a day or 140 times a month, with a maximum balance of 25,000 EUR.

Is the Crypto.com card safe?

It is as safe as the platform holding your money, and the money is custodial — held by Crypto.com or the issuer. The page cites AICPA SOC, ISO 27701, ISO 22301 and PCI DSS, but card-level controls like two-factor authentication, instant freeze and spending limits are not described there, and insurance or safeguarding is not stated. Trustpilot showed 2.0/5 from 9,493 reviews, with complaints about failed payments, funding problems, changed cashback terms and slow support.

Can I use the Crypto.com card in my country?

That depends entirely on your residential address, which is the rule the card’s own fee articles use. It is issued in the US, across 30 European countries plus the UK, Singapore, Canada, Australia and Brazil — where it is a USD card for use outside Brazil. The citizenship rule is not stated, and third-party lists of restricted countries are unofficial and, in one case, internally inconsistent, so check the app for your own country rather than trusting a list.

Is the Crypto.com card worth it?

Worth it if you are in Europe or Singapore, already hold CRO, and will use the free ATM allowance and the tier FX benefits; the top tiers charge no FX fee at all. Not worth it if you want a plain cheap debit card, because the cheapest tier earns 0% and the paid tiers cost either monthly fees or large token lockups. Treat the rewards as a bonus on top of a usable prepaid Visa, not as the reason to hold crypto.

What happens if I stop using the card?

In Europe, after 12 months without cardholder-initiated activity an inactivity fee applies at 5 EUR a month, rising to 6 EUR from 1 October 2026, and closing the account costs 50 EUR. Because the balance is custodial, treat your balance as money you may want back: check the withdrawal route before you load, since the procedure and any fee for moving the card balance back to a wallet or bank are not stated in the European article.

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