A crypto exchange's Visa card with most of the details left unstated

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Young is not really a card company. It is a crypto exchange — Young Platform S.p.A. — and the card is one feature built on top of that exchange account. That single fact explains almost everything you can and cannot find out about this product, and it is where you should start when you decide whether it is worth your attention. If you were hoping for a card that a shop abroad will treat like any other bank card, this is not that, and the public information does not give you enough to judge whether it behaves that way.

So what do we actually know? Young Platform S.p.A. is authorised by Consob and Banca d’Italia as a crypto-asset service provider under MiCAR. Account and payment services run through TPPay S.p.A., an Electronic Money Institution (IMEL) registered with the Bank of Italy, and Young Platform is a registered Payment Services Agent of TPPay. That is a real regulatory footprint and it is the strongest thing about this card.

The weakest thing is disclosure. On the card’s public pages: which countries are served is not stated. Whether you need identity verification, and at what level, is not stated. What issuing the card costs, what a month costs, what conversion charges, what foreign-exchange charges, what an ATM withdrawal charges — not stated. Which coins and networks you can use to top up — not stated. What the daily and monthly spending limits are — not stated. What currency the card holds — not stated. Whether you can withdraw cash from an ATM, whether wallets or a virtual card exist, whether Apple Pay is supported, how a dispute is handled — not stated.

A review could stop there and call it unanswerable. That would not be much help. So below I separate what is stated, what is reported by third parties (and marked as such), and what that means for the two kinds of reader: the one who wants to spend from a crypto balance in the Italian market, and the one who simply wants a card that works everywhere.

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

The score: 5.7 out of 10, and why

Read that table twice. The two 4s are the same problem seen from two sides: you cannot get the card without knowing whether you can, and you cannot fund it without knowing what to send. The 8 is the surprise. It is the highest mark in the whole assessment, and it comes from regulation and from exchange reviews rather than from anything about the card itself — because the card is not what was checked.

The 7 for cost is also generous for the same reason. It rests on third-party reporting that issuance and the monthly fee are free. Free to open and free to hold is a good start; it tells you nothing about what a coffee costs.

Who this suits: someone already inside the Italian-market exchange ecosystem who holds YNG, is comfortable treating the card as a way to spend from an exchange balance, and treats cashback in YNG as a bonus rather than as income. Who it does not suit: anyone choosing a card on the strength of where it works, what it costs per transaction, or how they get money onto it — because none of those are answerable from what is published. If your first question is “will this work in my country,” you cannot answer it here either. The honest answer is that you have to ask Young.

Will they give you the card?

Not stated. The card’s public pages do not publish a list of eligible countries, and there is no statement confirming a restriction either way. That is a strange omission for a financial product, and it is the first thing you should ask before anything else — before you create an account, before you send funds, before you fill in an application.

Two things sit underneath this and are also not stated: the age or identity requirements, and whether there are different verification levels. In this category those are rarely optional — anti-money-laundering rules require regulated businesses to verify customers and assess risk, with ongoing monitoring and suspicious-activity reporting. In the EU, customer due diligence covers name, address, date of birth, nationality and identity documentation, a sanctions check, the purpose of the relationship, and whether you are a politically exposed person. If due diligence cannot be completed, EU rules require the institution to refuse the transaction or relationship, and where necessary to end an existing one. So verification exists as a concept whether or not Young publishes its detail. What you do not know is which tier you will land in, what documents it wants, and how long it takes.

Nationality is recorded and screened separately from residence, because sanctions screening and issuer risk policy often apply to citizenship and country of birth as well as to your country of address. This is the category’s normal pattern, not a Young-specific rule.

The indirect signal is the audience: Italian-market users holding YNG for exchange-linked cashback. That is what the card appears to be built around. If you are outside that frame, treat the card as unconfirmed rather than unlikely.

How to get it

Also not stated — the application route is not described on the public pages, and there is no stated delivery time or delivery method. What is confirmed is only the app: the Young Platform app exists on iOS and Android. Store ratings were not read for this review.

One third-party detail is worth carrying, clearly labelled as such. A 2026 review from Finanza Digitale describes a Visa debit card linked to the exchange trading account, and reports the card becoming available from 30 November 2025 alongside a new payment account. That is not confirmed by Young’s own pages. It is consistent with the regulatory structure — TPPay S.p.A. is the e-money institution, so a card in this arrangement would sit on the payment account rather than on a bank account — but “consistent with” is not “stated”.

If you are deciding whether to try, the practical sequence is short: confirm your country is served, expect to prove who you are, expect the card to be an account feature rather than a standalone product, and treat every specific figure below as something to check on the day rather than a promise.

Fees: what it really costs

Here is the honest state of the pricing. Most of it is blank.

That table is the single most important thing in this review. You cannot budget with it, because it has no numbers. The two “free” figures come from a third-party site and are not confirmed by the card.

What you can do instead is reason about where the money would go, structurally. Three everyday payments:

• A coffee or a sandwich in Italy. You need to know the conversion rate Young applies and in which currency the balance is held, because both are unstated. If the card converts crypto at the moment of payment, that conversion has a cost that is not published. If you hold a fiat balance instead, the cost may be a currency-conversion fee — also not published. Either way you cannot currently predict the final amount.
• Anything priced in a currency other than the card’s own. The card currency is not stated, so the foreign-exchange fee cannot even be framed. This is the payment most likely to surprise you, and it is the one where a card with a euro balance and a card with a dollar balance behave completely differently.
• A cash withdrawal at an ATM. The ATM fee is not stated, and whether cash withdrawal is offered at all is not stated either. In this category a card that converts crypto and then hands over cash can stack a conversion cost, an FX cost and an ATM cost — three unpublished numbers. Treat cash as unavailable until told otherwise.

There is a second, easier-to-understand layer of pricing that is stated, and it is not the card’s fees but the exchange’s clubs. Holding YNG puts you in a tier, and the tier discounts fees and adds staking yield:

• Essential (~130 YNG): 5% fee discount, +1% staking APY
• Bronze (~1,100 YNG): 30% discount, 1 free card deposit a month
• Silver (~3,600 YNG): half-price fees, +15% staking boost, monthly Market Report
• Gold (~7,200 YNG): 75% discount, 2 free card deposits a month
• Platinum (~18,000 YNG): 90% discount, 3 free card deposits a month, dedicated Account Manager

These are exchange-level benefits tied to token holdings. They are real and published, and they are the strongest argument for using this card rather than a bare card — but notice the direction of travel: the tier that discounts fees most is Platinum, at ~18,000 YNG. The discount applies to fees whose size you cannot find. That is an inversion worth being honest about. On the published information, you would be committing a substantial token balance to reduce a number nobody has published.

The KYC angle matters here too, but not for any workaround reason: prepaid and debit cards are generally available to adults aged 18 and over, and some issuers set higher limits. If you are under 18, that is a hard stop regardless of anything else on this page.

Top up: how money gets onto the card

Not stated for the card, and not stated for top-ups either. Which coins, which networks, which internal transfer — none of it appears on the public pages. All that is confirmed is the structural point: the card is tied to an exchange account.

That makes the Young card a closed-loop product. You do not load it from your bank; you move value inside an exchange and spend from there. This has one clear advantage and one clear cost. The advantage is that there is no bank-transfer intermediary in the path, which in this category can be a genuine advantage — instant bank transfers are exactly where a user on Trustpilot reported unclear or undisclosed fees. The cost is that you hold everything on one platform’s balance sheet, and this page has nothing to say about withdrawal. Cash out is not stated. So the question “how do I get money from Young” has no published answer, which means you would be putting funds in without a documented exit.

The club tiers mention “free card deposits” — one a month at Bronze, two at Gold, three at Platinum. So deposits exist as a concept and are rewarded, which tells you the platform counts them. But whether those deposits mean on-chain transfers, internal conversions, or bank transfers is not said, and the number of networks is not said.

If your funds are in stablecoins — USDT or USDC, which together made up about 90% of stablecoin market capitalisation as the BIS put it in July 2025 — then the network question is not academic. USDT has been issued on networks including Ethereum, Tron, Solana, Polygon and Avalanche. Circle lists USDC as natively supported on 38 networks as of 16 September 2026, including Ethereum, Solana, Base, Polygon PoS, Avalanche, Arbitrum and Stellar, and stopped supporting USDC on Tron in February 2024, so “USDC over TRC20” is not a native option. Sending on a network the provider does not support, or to an address belonging to another network, can lose the funds or require manual support recovery with no guarantee — transfers are irreversible. Add the fact that on-chain network fees for your deposit are charged by the blockchain, not by the card provider, and that a wallet holding USDT but no ETH cannot send ERC-20 tokens because gas must be paid in ETH.

Given that the coins and networks are undisclosed, the correct procedure is not to guess. It is to ask Young which networks it accepts before you transfer anything, and to keep the first deposit small enough that losing it would not hurt.

Paying with it every day

Cashback is the strongest stated feature, and it is paid in YNG tokens rather than in fiat. The rate depends on your club tier:

• Essential: 0.1%
• Gold: 1.8%
• Platinum: 3.6%
• Bronze and Silver: not stated

The shape of that table deserves a comment, because it is not a smooth ladder. Essential pays 0.1%. Gold pays 1.8%, eighteen times more. Platinum pays 3.6%. Between them sit Bronze and Silver, where the rate is not published at all — so the actual progression is unknown. What is published is that the reward is denominated in YNG, a token whose price moves. A 1.8% return is 1.8% in YNG, and what that is worth to you later depends on the market. Treat it as a token rebate, not as a cashback rate.

Also not stated, and all of it matters for daily use: whether the card is a Visa debit card (third-party report only), whether there is a virtual card or a plastic one, whether a hardware or mobile wallet connection such as Apple Pay is supported, whether the card can be frozen from the app, and how disputed transactions are handled. So “where can I use this card” has no published answer either.

Some context on why that answer is hard. A payment card number starts with a six- or eight-digit issuer identification number that tells the merchant which institution and which country issued it, and merchants can apply extra scrutiny when the issuer country differs from the billing address — which is why a card issued in one country can look foreign to a shop in another. Some merchants decline prepaid or foreign-issued cards precisely because that lookup reveals the card type. Address verification is mainly offered in the US, Canada and the UK and is generally unavailable for foreign-issued cards, which can cause declines. And gambling is classified under its own merchant code; many issuers block it by policy rather than by law, with a blocked list that varies by issuer.

So the everyday question — will this card work at the shop near you, or in the country you are visiting — has no public answer. You are buying a wallet on the exchange and hoping it behaves like a normal card everywhere. For a reader who mostly transacts locally and already holds euros on the platform, that is a reasonable bet. For a frequent traveller it is a real exposure.

One useful note in your favour: a declined authorisation can leave a hold on funds that persists for several days, in practice up to seven. That is a liquidity fact worth knowing before you rely on the card for anything you cannot afford to have frozen for a week.

What can go wrong

First, the structural risk, because it is the one nothing on the card’s pages can reduce. Young Platform S.p.A. is authorised by Consob and Banca d’Italia as a crypto-asset service provider under MiCAR; account and payment services run through TPPay S.p.A., an Electronic Money Institution registered with the Bank of Italy; Young Platform is a registered Payment Services Agent of TPPay. And the card issuer is not named.

Three consequences. MiCAR covers the crypto side — custody, exchange, transfer — while the card itself is a payment service regulated separately, so a crypto card often depends on two licences. This one depends on at least one more: whoever signs the plastic. Not naming the issuer means you cannot find out who stands behind your payment claim. Second, e-money institutions must safeguard customer funds by segregating them in dedicated accounts or insuring them, but such funds are not the same as bank deposits and are not covered by a deposit guarantee scheme. Third, MiCA’s transitional period lets providers already operating under national law continue only until 1 July 2026 or until they are authorised or refused under MiCAR, whichever comes first — so if you are reading this after that date, the regulatory footing of any provider is something to verify rather than assume. ESMA keeps an interim register of authorised providers and white papers, and that is the place to check.

Second, the practical risk, from user reports. On Trustpilot, the Young Platform exchange — not the card — scores 4.4 out of 5 from 980 reviews, read 21 October 2026. Themes reported by users: unclear or undisclosed fees on instant bank transfer; unhelpful support; a site bug that caused a loss of about €100, which the company acknowledged and offered compensation for; and stablecoins no longer being available. Notably, no review visible to me discusses card payments at all. That cuts both ways: the card has no track record of complaints, and it has no track record of being used either.

Third, the category risk, which applies to you whether or not this card is good. Programmes close. Visa terminated its global agreements with FTX on 13 November 2022 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. The usual pattern is a notice period, then spending and loading stop, then you are asked to withdraw remaining balances — which is why “how do I withdraw money from Young” being unanswered is not a small gap.

And if your money reaches you through crypto, custody matters. With a custodial wallet the provider holds the credentials and you must trust it completely; transfers are typically irreversible, and a stolen key has no recovery path because the network cannot freeze or return funds. The historical record is not encouraging: Mt. Gox (about US$350 million reported stolen, 2011–2014), Coincheck (about US$400 million, 2018), Ronin Network (US$625 million, 2022). Stablecoins are not a safe harbour either — TerraUSD collapsed in May 2022, USDC temporarily lost its peg in March 2023, and Tether says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity.

Finally, on tax, I can only point you at the shape of it and not advise you. In the US the IRS treats digital assets as property, so exchanging them for goods, services or dollars generally produces a taxable gain or loss, measured in local fiat currency at fair market value on the date of the transaction — which means each card payment funded from crypto may be a separate disposal. Where you live changes the answer entirely. Talk to a professional in your jurisdiction.

The protections that do exist are mostly not in your hands. 3-D Secure adds an identity check to online payments, Visa’s brand being Visa Secure; under it, liability for fraudulent online payments can shift from the merchant to your bank — or, per critics, to you. Chargebacks are refunds ordered by the issuer, with reason codes for fraud, duplicate billing or goods not received. US debit-card reversal rights come from Regulation E, credit-card rights from Regulation Z, and prepaid-card coverage varies and should not be assumed. Standard safeguards exist in this category — app-based two-factor authentication, instant card freeze, spending limits, 3-D Secure, tokenised mobile wallets — but Young’s pages do not state which of them you get.

What to take instead

The honest answer is that the best alternatives publish their prices and this one does not. Three comparisons, in the order I would think about them.

MSX — 6.4 / 10. Almost everything is not stated on an official page I could read: who can get it, what the card is, costs, fees, funding, rewards. So MSX’s higher score is not evidence of more transparency; it is evidence that I could find more. Worth asking about.

Bybit Card — 6.0 / 10. This is the one to look at if your problem is knowing what things cost, because Bybit publishes in detail. Regions listed in the help centre: Argentina, AIFC (Kazakhstan), Georgia, Kazakhstan, Australia, Mexico, Brazil, Peru, Asia Pacific — and the cards page states plainly: “This product is not meant for European Economic Area customers. All European Economic Area customer participation is strictly prohibited.” Its fiat-service restricted list (deposits, withdrawals, One-Click Buy — not the card itself) includes Belarus, Russian Federation, Serbia, China and the United States, with the note that Russian users can only make RUB transactions in fiat. No card-specific statement on Russian or Belarusian citizens was found, and no citizenship-versus-residence rule. So if you are in the EEA, this is not an option — which may be most readers of this page, given Young’s Italian market.

Where Bybit is available, the transparency is the point: virtual card issuance is free in all regions “until further notice”; physical card issuance or replacement is 29.99 USD in Australia, 5 USD/USDT in Argentina, 29.99 USDT in Georgia and Kazakhstan (AIFC), 5 USDT in Asia Pacific, and none in Brazil and Mexico, with VIP holders in several regions paying nothing. The crypto conversion fee is 0.9% over the One-Click Sell rate in most regions and 0.5% in Argentina. The FX fee is 2% on top of the network rate in Australia, Asia Pacific, Georgia and Mexico, 2% as an “International Fee” on purchases outside Kazakhstan even in USD, 7% in Argentina, 1.5% in Brazil and 1% in Peru. Card validity runs three years in several regions, six in Argentina, five in Brazil, Mexico and Peru. And since 5 October 2026 at 10:00 UTC, only crypto-funded transactions earn points or cashback — fiat-funded spending does not — with tiers from Base at 2.00% and a 5 USD monthly cap up to Infinite at 10% and a 600 USD cap.

Coinbase Card — 6.4 / 10. Available in all US states except Hawaii, following the USA PATRIOT Act identity rules (name, address, date of birth, ID), and no other countries. A Visa prepaid debit card, virtual or physical, spending cash or crypto, with all crypto converted to US dollars for purchases and ATM withdrawals. It states “Zero spending fees and no annual fees”, with all fees disclosed in the Cardholder Agreement and User Agreement; there are no Coinbase transaction fees, but a spread applies when Coinbase buys, sells or trades crypto — so the cost is visible in the exchange rate rather than as a line item. Funding is by linking a bank account or depositing part of a paycheck into Coinbase at zero fees. Optional crypto rewards on every purchase, US users only, at a variable rate shown in the app.

If you are in the US, Coinbase Card is the transparent option. If you are outside the EEA and outside the US and want published numbers, Bybit is. If you are in the Italian market with YNG, Young is the one built for you.

Who I would recommend it to

I would recommend this card to someone who already uses the Young exchange, already holds YNG, and wants to spend from that balance without converting to fiat by hand. In that position the club tiers, the YNG cashback and the exchange-linked structure all do something real, and being inside the Italian regulatory perimeter — a provider authorised by Consob and Banca d’Italia, with payment services through TPPay S.p.A., an e-money institution registered with the Bank of Italy — is a meaningful reassurance rather than a marketing line.

I would not recommend it to someone choosing a card for the first time, to anyone outside that Italian-market frame, or to anyone who travels. The reason is not that I found a problem. It is that the questions a new card user asks first — how much does it cost, where does it work, what do I send to load it — have no published answers, and I would not put money into a product on the strength of an absence of information.

And the two concrete things to do before you do anything: ask Young which countries are served, and ask which networks and coins they accept for deposits. Everything else on this page is either confirmed by their public pages or clearly labelled as third-party reporting.

Frequently asked questions

What is the Young card?

Young is a crypto exchange, and the card is a payment feature attached to that exchange account rather than a standalone financial product. Third-party reporting describes it as a Visa debit card linked to the exchange trading account, available from 30 November 2025. Young’s own public pages do not confirm the card type, and they do not name the card issuer.

Is Young a bank, and who owns it?

Young is not a bank. Young Platform S.p.A. is a crypto-asset service provider authorised by Consob and Banca d’Italia under MiCAR. Account and payment services are linked to TPPay S.p.A., an Electronic Money Institution registered with the Bank of Italy, with Young Platform a registered Payment Services Agent of TPPay. The card itself is not a deposit product.

Who can get the card?

The public pages do not say. No country list is published and no country restriction is confirmed either way. The card appears built for Italian-market users holding YNG. You should treat availability outside that market as unconfirmed and ask Young directly before creating an account or sending funds.

Does applying require identity verification?

The card’s public pages do not state the requirements or the verification levels. In this category, anti-money-laundering rules normally require identity checks, and in the EU those cover name, address, date of birth, nationality, documents, sanctions screening and politically-exposed-person status. So expect verification; expect failure to complete it to be a dead end rather than a delay.

How do I top up the card, and with what coins?

Not stated. The pages do not say which coins or networks are accepted for deposits, only that the card is tied to an exchange account. Because transfers are irreversible, sending on an unsupported network or to the wrong network’s address can lose the funds. Ask which networks are supported before transferring, and keep the first deposit small.

How much does the card cost?

A third-party review lists issuance and the monthly fee as free, but Young’s own pages state neither, and do not state conversion, foreign-exchange or ATM fees, the card currency, or daily and monthly limits. You cannot budget a per-payment cost from public information. The club tiers do publish fee discounts — up to 90% at Platinum, around 18,000 YNG.

Can I use it in Apple Pay or at an ATM?

Neither is stated. Wallets, virtual versus plastic cards, ATM withdrawal availability and Apple Pay support are all absent from the public pages. Cash withdrawal is also not described, which matters because the page says nothing about how you would get money out again.

Is Young card safe?

Young Platform S.p.A. is authorised by Consob and Banca d’Italia, and payment services run through TPPay S.p.A., an e-money institution registered with the Bank of Italy — a real regulatory footprint. Against that, the card issuer is not named, e-money safeguarded funds are not bank deposits and carry no deposit guarantee, and crypto transfers are generally irreversible. No specific card incident was found, but no visible review discusses card payments at all.

What do people complain about?

On Trustpilot the Young Platform exchange scores 4.4 out of 5 from 980 reviews, read 21 October 2026. Users report unclear or undisclosed fees on instant bank transfers, unhelpful support, a site bug that cost about €100 and was compensated by the company, and stablecoins no longer being available. These are exchange complaints, not card complaints.

Is it worth it?

Worth it if you already hold YNG and spend from that balance anyway, since cashback is paid in YNG — 0.1% at Essential, 1.8% at Gold, 3.6% at Platinum, and not stated for Bronze and Silver — so the return is in tokens rather than in fiat. Not worth switching to if you are choosing on cost or coverage, because those figures are not published. A taxable disposal may also arise on each payment, depending on your jurisdiction.

Content created by the «cryptocardcheck» team