Crypto.com Card: Strong Everyday Use, Layered Fees

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Crypto.com issues a prepaid Visa card funded from a crypto balance or a cash account, available across Europe, Singapore, Canada, Australia, the UK, the US and Brazil, with the issuing bank varying by region. The card works well day to day — free ATM allowances on paid tiers, tiered cashback in CRO, and Apple Pay and Google Pay support — but the cost picture is genuinely layered: subscription fees by tier, top-up fees by region, foreign-exchange markups that differ sharply by tier and by country, and an inactivity fee that is rising. It suits residents of Europe and Singapore who want tiered crypto rewards and are comfortable holding funds with a custodial provider. It does not suit people who want a card with no monthly charge regardless of spend, or those who need predictable FX costs everywhere, or anyone who will not do identity verification.

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

Verdict: 7.0 out of 10 — a capable prepaid card with a tier system you have to learn

The score is 7.0 / 10. This is a real card, issued by real banks under real licences, that works for everyday spending. It is not a free card: the best rewards sit on paid tiers with a CRO lockup or a monthly subscription, and the FX behaviour changes with both your tier and where you are. The person who will like this card most is a resident of Europe or Singapore who already holds crypto, is comfortable with the custodial model, and wants cashback in CRO that rewards climbing tiers. The person who will like it least is someone who simply wants a no-cost debit card for ordinary spending and does not want a crypto exchange in the middle of their banking.

The 9/10 for everyday use is the highest single mark here, and it is earned by the mechanics rather than the branding: it is a Visa, it has a free cash-withdrawal allowance even on the free tier, and it drops into mobile wallets. The two 6/10 marks — cost and top-up options — are where a careful reader should slow down, because that is where the money is decided. The 8/10 for eligibility reflects a genuinely wide issuing footprint, tempered by the fact that access is decided by residential address, not citizenship.

Will they give you the card?

Availability is decided by residential address, not citizenship. The card states that citizenship rules are not stated, so I will not guess at them — if your citizenship matters to you, you would need to ask the company directly.

Here is the issuing entity by region, because it matters for who is actually your bank:

• United States — Community Federal Savings Bank
• Europe — Foris MT Limited
• Singapore — Foris Asia Pte. Ltd.
• Canada — Digital Commerce Bank (offered by Foris, Inc.)
• Australia — Foris GFS Australia Pty Ltd
• United Kingdom — ForisGFS UK Limited
• Brazil — a USD card issued by Foris MT, for use outside Brazil

The European help article (as of 20 July 2026) lists these countries as covered: 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. That is the “Europe (31 countries)” figure from the score. The fee articles are split by “residential address in Europe”, “residential address in Singapore” and “non-Europe Brazil and LATAM”, so which fee schedule you are read depends on where you live.

One caution, and it comes from a third-party source, not the card: unofficial listings of restricted countries place Russia among ten restricted countries (Afghanistan, China, Cuba, Iran, North Korea, Russia, Somalia, Sudan, Syria, Yemen). That same unofficial source is internally inconsistent, listing Sudan as both restricted and available. CoinDesk and CoinCodex noted back at launch in 2020 that Russia, Turkey and Ukraine were not supported markets. None of this is confirmed by the card’s own pages, so treat it as a starting point for your own check rather than a settled fact.

How to get it

The card asks for identity information under the USA PATRIOT Act notice on the Cards page: your name, address, date of birth, and a national ID number (an SSN in the US, or a country ID elsewhere). It may also ask for a driver’s licence or another photo ID. Proof of address and an age requirement are not stated on that page, and I want to be straight about that gap rather than fill it in.

Unofficially, identity verification may involve a government ID, a selfie and proof of address. Unofficially too, a virtual card is available immediately on approval, with the physical card shipped afterwards. Neither is stated on the cards page itself.

The card itself is a prepaid Visa — it is not linked to a bank account and must be topped up. Its currency is local to the issuer: Canada is CAD only, Brazil is USD. The page does not state whether a virtual, physical or metal card is offered at each tier.

Delivery time is not stated. The Cards page shows only the USA PATRIOT Act identity notice; the levels you can apply for, how long processing takes and why an application might be rejected are all not stated there either. The Level Up plan is what determines which tier you can apply for.

Fees: what it really costs, tier by tier

The cost model has five moving parts, and it is worth separating them. First, the subscription, which buys you rewards and a lower FX fee. Second, the top-up fee, for loading from another card. Third, the ATM fee, charged above a free monthly allowance. Fourth, the foreign-exchange fee, which is the one that catches people abroad. Fifth, limits and the odd admin fee such as card closure or inactivity.

Here is the core cost picture, drawn from the card’s own pages:

The page also says top-up fees, the interbank exchange rate and ATM fees “may apply” depending on jurisdiction and tier, without amounts — the amounts live in the per-region help articles. In Europe the ATM fee is 2% above the free allowance, and provider surcharges count toward that limit.

Two or three everyday payments show which fees bite:

A coffee in the local currency. If you are in Europe spending EUR on an EUR card, you pay nothing in FX and nothing in conversion beyond whatever the merchant charges. This is the clean case.

A subscription billed in USD while you are in Europe on a Midnight card. The FX fee applies. Inside the EU and the UK it is 0.2%; outside it is 2.0%. On a higher tier with no FX fee, it costs nothing. This single line is why a traveller’s tier choice matters more than almost anything else.

Withdrawing cash from an ATM. You get a free allowance each month (EUR 200 on Midnight in Europe; USD 200 on the free tier), and above that you pay 2% in Europe. Provider surcharges eat into the allowance. Note that on-chain network fees for a crypto deposit, if that is how you funded things, are charged by the blockchain, not by the card.

How to top it up

You top up from three sources: the Crypto Wallet, the Cash Account, or another credit or debit card. The important limitation is that crypto cannot be loaded directly — it is converted to local currency first. So the card spends fiat, and the conversion happens on the Crypto.com side before the balance arrives.

The overall top-up ceiling across all tiers is $25,000 per month.

Worth flagging from the top-up side: the procedure or fee for withdrawing a card balance back to a wallet or a bank is not stated in the article. That is a gap, not a reassurance — if getting money off the card matters to you, ask.

Paying with it every day

The card is managed through the Crypto.com App. The App Store listing, “Crypto.com: Trade Every Market”, shows 4.7/5 from 336K ratings as read on 2026-10-20, with Russian among the supported languages; the Google Play rating was not read. Unofficially, Apple Pay, Google Pay and Samsung Pay are supported with availability varying by region.

The everyday reward is CRO, paid in the Crypto Wallet after each eligible transaction. The main rewards table reads:

Certain merchant categories and channels are excluded from CRO rewards; the full list sits in a help article that was not read, and whether gambling is blocked is not stated. Smaller tables elsewhere on the page show different values — the main table above is the one I have used. The dispute process is not stated.

What can go wrong

I found no official incident on the pages I read, and I want to be honest that the budget went to official sources, so I did not read user reports or news beyond one detail below. The company side is worth understanding clearly: the brand is Crypto.com, but the issuer depends on region. In the US it is Community Federal Savings Bank (Member FDIC, Visa U.S.A. licence); in Malta/EU and for the USD card it is Foris MT Limited; in Singapore Foris Asia Pte. Ltd. (a MAS Major Payment Institution); in Canada Digital Commerce Bank (offered by Foris, Inc.); in Australia Foris GFS Australia Pty Ltd (an AFSL holder); in the UK ForisGFS UK Limited (an FCA-authorised e-money institution, not FSCS-covered).

The funds are custodial — held by Crypto.com or the issuer. The page cites AICPA SOC, ISO 27701, ISO 22301 and PCI DSS. Card-level features such as two-factor authentication, freeze and spending controls are not described on the cards page, and whether funds are insured or safeguarded is not stated there. The UK issuer being an e-money institution rather than a bank is exactly the kind of distinction that matters: safeguarded e-money funds are not the same as bank deposits and may not sit under a deposit guarantee scheme.

Support is live chat in the app or on the web at chat.crypto.com, with phone and email by region (for example US 888-824-8817, Singapore 65-6264-0211); higher tiers get priority support.

On complaints, a user report — not the card — puts Trustpilot at 2.0/5 from 9,493 reviews, read on 2026-10-20, with 72% one-star and the company replying to 31% of negatives. Recent themes around October 2026: inability to fund the card, payment failures, a cancelled subscription still being charged, cashback terms changed after sign-up, failing withdrawals, chatbot-style support with long waits, and a token delisted without conversion. Most of this is about the app and the exchange, with a few card-specific complaints. The delisting and cashback-changes items are the ones I would weigh most: they are about terms moving after you joined, which is a different kind of risk from a payment failing once.

Finally, one piece of news from the card itself: the Europe fee article notes the inactivity fee rising from EUR 5 to EUR 6 and an FX schedule dated “before and from 1 October 2026”. No 2026 licence or issuer news came up in search.

What to take instead

If the tiered rewards and the crypto link are not what you want, the comparison is worth doing. Here is how the alternatives compare, using their own stated facts.

Two things stand out in that table. First, for Young Card and MSX, the official pages I could read simply do not state who qualifies, what the card is, or what it costs — so there is little to weigh. Second, Bybit’s structure is quite different from Crypto.com’s: it explicitly bars European Economic Area customers (“This product is not meant for European Economic Area customers. All European Economic Area customer participation is strictly prohibited”), operates in listed regions such as Argentina, Kazakhstan, Georgia, Australia, Mexico, Brazil, Peru and Asia Pacific, and only pays cashback on crypto-funded transactions — fiat-funded spending earns nothing. Its card has no balance of its own; it draws on the Funding Account, selling crypto if fiat runs short.

If you are in the EEA, Bybit is not an option at all, which leaves Crypto.com in a different light than the raw 7.0 vs 6.0 scores suggest. If you are elsewhere and already use Bybit, its cashback tiers go higher than Crypto.com’s — but you earn only on crypto-funded spend, which is a narrower habit.

Who I would recommend it to

I would recommend this card to three kinds of person. First, residents of Europe and Singapore who hold crypto, are comfortable with a custodial provider, and want tiered CRO rewards that reward climbing a subscription ladder — that is the audience the card is built for and the one its numbers fit. Second, people who want a prepaid Visa with a genuine free ATM allowance and mobile-wallet support, who will top up by card and mostly spend in the local currency. Third, frequent travellers who will reach a paid tier, because the higher tiers remove the FX fee entirely where Midnight charges 2.0% outside the EU and UK.

I would not recommend it to someone who wants a card with no monthly charge at all and no crypto exposure — the Free tier exists, but its FX fee abroad is 2.0% and it earns 0% everyday CRO. I would be cautious for anyone planning to hold a large balance on it, since the max card balance is EUR 25,000 in Europe and the max ATM withdrawal is EUR 75,000 a year, and for anyone who needs to be certain about withdrawing funds to a bank, because that procedure is not stated. And I would steer anyone uneasy about custodial funds, or living under a sanctions list, to check the current rules themselves rather than take my word or a forum’s.

Frequently asked questions

What is the Crypto.com card?

It is a prepaid Visa card funded from a crypto or cash balance, not a bank debit card. You load money onto it and it spends that balance; crypto you hold is converted to local currency first, then loaded as fiat. The issuing bank varies by region — Foris MT Limited in Europe, Community Federal Savings Bank in the US, Foris Asia in Singapore, Digital Commerce Bank in Canada, Foris GFS Australia and ForisGFS UK. Its currency is local to the issuer, so a Europe card is EUR, Canada is CAD only and Brazil is a USD card for use abroad.

How does the Crypto.com card work?

You convert crypto or add fiat in the app, load the balance to the card, and then pay with it anywhere Visa is accepted or withdraw cash at ATMs. Because it is prepaid, it can spend only what you have loaded, so it cannot overdraw. Everyday spend earns CRO back into your Crypto Wallet on paid tiers, from 1.5% on Ruby up to 4.5% on Obsidian, with monthly caps. Above your free ATM allowance you pay a fee — 2% in Europe.

Is Crypto.com a bank?

No — it is a crypto platform and card programme manager, not a bank. The bank is the issuer named for your region, and that entity is what holds your balance. In Europe it is Foris MT Limited; in the UK ForisGFS UK Limited is an FCA-authorised e-money institution, not FSCS-covered. E-money funds are safeguarded but are not bank deposits and may not sit under a deposit guarantee scheme, so you are trusting a payments firm as much as a bank in some regions.

Do I need to complete KYC to get it?

Yes, identity verification is required, and the card’s own page shows only the USA PATRIOT Act notice — name, address, date of birth and a national ID number (SSN in the US, or a country ID elsewhere), and it may request a driver’s licence or photo ID. Unofficially, verification can involve a government ID, a selfie and proof of address. Under anti-money-laundering rules a provider must verify you and monitor transactions, and if it cannot complete due diligence it must refuse the relationship — which is why accounts get closed pending documents.

How much does the Crypto.com card cost?

It depends on your tier. The tiers run Free, $4.99/month (or $49.90/year, or a $500 CRO lockup) and $29.99/month (or $299.90/year, or $5,000), plus higher lockup tiers at $50,000 and $500,000. On top of that, in Europe a card top-up costs 1%, ATM withdrawals cost 2% above the free allowance, and there is a EUR 50 closure fee and an inactivity fee of EUR 5 rising to EUR 6 from 1 October 2026. Foreign-exchange fees run from 0.2% (Midnight in the EU/UK) to 2.0% outside, or zero on the top tiers.

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

Availability is decided by your residential address, not your citizenship, and citizenship rules are not stated. The issuing regions are the US, Europe (31 countries), Singapore, Canada, Australia, the UK and Brazil. Unofficially, ten countries are listed as restricted, including Russia, though that same third-party source is inconsistent about Sudan. If your country is not in the issuing list above, assume it is not available until the company confirms it in writing — the card is not meant to be used from a country outside its licensed footprint.

How do I top up the Crypto.com card?

You load it from the Crypto Wallet, the Cash Account, or another credit or debit card. Crypto cannot be loaded directly — it is converted to your local currency first, then added as a balance. In Europe a card top-up costs 1% with a EUR 20 minimum, the aggregated top-up limit is EUR 25,000 daily and monthly, the maximum card balance is EUR 25,000, and you can load 12 times a day or 140 times a month. Any on-chain network fee for a crypto deposit is charged by the blockchain, not by the card.

Is the Crypto.com card safe to use?

It is custodial: Crypto.com or the issuer holds the funds, so you are trusting them. The page cites AICIA SOC, ISO 27701, ISO 22301 and PCI DSS, but card-level controls like two-factor authentication and instant freeze are not described on the cards page, and insurance or safeguarding is not stated there. Wider custodial platforms have a poor history — Mt. Gox, Coincheck and the Ronin Network all lost large sums — so treat the balance as something you would be comfortable holding at a counterparty.

What are the fees for foreign transactions and cash withdrawals?

Foreign-exchange fees depend on your tier: on Midnight it is 0.2% inside the EU and UK and 2.0% outside; Ruby is free up to EUR 400/month outside then 2.0%; Jade and Indigo up to EUR 800; Icy, Rose and Obsidian pay no FX fee. ATM withdrawals are free up to a monthly allowance — EUR 200 on Midnight in Europe, or USD 200 on the free tier globally — and cost 2% above that in Europe, with provider surcharges counting toward the limit. In Europe there are also daily, monthly and yearly caps.

Is the Crypto.com card worth it?

It is worth it if you already hold crypto, live in a supported region such as Europe or Singapore, will top up by card and mostly spend locally, and are comfortable with a custodial provider and a tier system. On a paid tier you get a free ATM allowance, higher CRO back and, at the top, no foreign-exchange fee. It is not worth it if you want a genuinely free everyday card, if 2.0% FX abroad would surprise you, or if you need certainty about withdrawing your balance back to a bank — that procedure is not stated on the page.

Content created by the «cryptocardcheck» team