A prepaid Visa with a tier system attached — strong on everyday spend, weaker on support and complaint record

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Crypto.com card is, first and foremost, a prepaid Visa that you load and spend, with a tier system wrapped around it. That summary sounds dull until you notice what the tiers do: they move the foreign-exchange fee, the free ATM allowance and the everyday cashback rate, so the card you end up with depends as much on how much of the platform’s own token you are willing to lock up as on where you live. My score for it is 7.0 out of 10. It is a genuinely good everyday spending card for a specific kind of person — usually a resident of Europe or Singapore who already holds crypto and wants some of it back on ordinary purchases — and a poor choice for almost everyone else. Read on for who it fits, what it costs in practice, and the parts I would not trust.

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

Verdict: 7.0 out of 10, and that splits cleanly in two

The card scores well on the thing you actually use it for — paying — and poorly on the things that go wrong when something goes wrong. Everyday use earns the highest mark on the sheet because a prepaid Visa that reloads from your own balance is a simple, predictable instrument. Who gets the card also scores well, because the issuing footprint is genuinely wide. Cost sits in the middle: the headline numbers are small, but the tier system means your real bill is set by how much you lock. Top-up options are adequate and no more. Reliability and complaints is the weak point, and the reason for that is not mysterious.

Here is the full breakdown.

Who this suits: residents of Europe and Singapore who want tiered crypto rewards and can live inside a tier ladder. Who it does not suit: anyone who wants a bank account, anyone in a country the card is not issued in, anyone who needs to be able to pull the balance back out on their own terms, and anyone who is sensitive to the fact that 72% of the Trustpilot reviews are one-star.

Will they give you the card?

Yes, in a wide set of countries — but the answer depends on where you live, not on what you hold. The issuer changes by region, and so does the name on the back of the card.

• United States — Community Federal Savings Bank
• Europe — Foris MT Limited
• Singapore — Foris Asia
• Canada — Digital Commerce Bank
• Australia — Foris GFS Australia
• United Kingdom — ForisGFS UK
• Brazil — a USD card issued by 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 United Kingdom.

Two details matter more than the list itself. First, the rule is by residential address — the fee articles are split by “residential address in Europe”, “in Singapore”, and “non-Europe, Brazil and LATAM”, which tells you the decision is made on where you live. Second, the citizenship rule is not stated on the pages I could read. So if you live in a supported country but hold a passport from somewhere else, you are in genuinely uncharted territory: the card states its rule in terms of address and says nothing about nationality. That is not a small gap. Sanctions screening in this industry is routinely applied to citizenship and country of birth as well as to the address, and you should not read silence as permission.

One unofficial note, since people ask about this constantly: a third-party card directory (CryptoCardHub, August 2026) lists Russia among ten restricted countries — Afghanistan, China, Cuba, Iran, North Korea, Russia, Somalia, Sudan, Syria and Yemen — and that same page also appears to list Sudan as available, which is self-contradictory. Older coverage from CoinDesk and CoinCodex in 2020 noted that Russia, Turkey and Ukraine were not supported markets at launch. None of this is confirmed by the card itself, and the 2020 reporting is long stale. If you are in any of those places, assume the answer is no and do not read anything on the internet as permission.

How to get it

The public pages are unusually thin on the mechanics here, and I would rather tell you that than fill the gap with invention.

What the card does publish is a USA PATRIOT Act identity notice: name, address, date of birth and national ID number (SSN or country ID), and it may ask for a driver’s licence or other photo ID. Proof of address and age are not stated on the pages I read.

What is not stated is more than what is: whether you get a virtual card, a physical card or a metal card; how long verification takes; why an application is rejected; how you activate a card once it arrives; what the Level Up application process looks like; and whether delivery is tracked. The cards page shows only the identity notice. That is not a criticism of the card — it is a statement about how much the public pages tell you.

Here is what the card does publish concretely, for Europe:

• Physical card issuance at Midnight: EUR 4.99
• Physical card issuance at Ruby: EUR 24.99
• The issuance fee is waived for some Level Up Plus subscribers and stakers
• Card upgrade: waived
• Replacement card: EUR 45.01 at Midnight, EUR 50 at other tiers
• Delivery time: not stated

Currency is local per issuer — the Europe card is EUR, the Canadian card is CAD only, the Brazilian card is USD.

Unofficial, from the same third-party directory and not confirmed by the card: identity verification with a government ID, a selfie and proof of address is possible; virtual cards are available immediately on approval and physical cards ship later; and the US figures are USD 4.99 for a Midnight physical card and USD 29.99 for Ruby, with no fee at higher tiers, and USD 7 to replace a Midnight card or USD 50 for other tiers.

The honest summary: expect to hand over identity documents, expect the specifics to differ by country, and expect to read the help article for your region rather than a global page, because the global pages do not carry the numbers.

Fees: what it really costs

This is the section where a Crypto.com card is most often misunderstood, and the misunderstanding is always the same: people assume “free” means the card has no cost. It has a cost. The cost is the tier, and the tier is paid in two currencies — cash and locked-up platform tokens.

Subscriptions are tiered by CRO lockup: Free; $4.99/month, or $49.90 a year, or a $500 lockup; $29.99/month, or $299.90 a year, or a $5,000 lockup. There are also $50,000 and $500,000 lockup tiers. The page’s tier labels are jumbled, which is worth knowing before you go looking for a table. The general fee page says top-up fees, interbank exchange rates and ATM fees “may apply” depending on jurisdiction and tier, without giving amounts — the amounts live in the per-region help articles.

Here is what the European numbers come to.

Read the FX row twice. At Midnight, spending outside the EU or the UK costs you 2.0% on top of the network rate, which is the sort of number that quietly eats a weekend trip. At Obsidian there is no FX fee at all. The card is effectively charging you for your own loyalty in the currency most people do not think about: how often they are abroad.

And the ATM row is worse than it looks at the free tiers. EUR 2,000 a day is fine; the two withdrawals a month at Midnight is not much of an allowance for a traveller, and every withdrawal above the free amount is taxed at 2%.

Now, three everyday payments, priced against the published European figures.

A EUR 40 grocery shop, in the eurozone, Midnight tier. You top up first, the top-up costs 1% of the amount, and then the purchase itself carries no card fee. Your real cost on a EUR 40 top-up is EUR 0.40. Nothing else applies. This is the clean case, and it is the case the card is good at.

A EUR 40 purchase from a US merchant, Midnight tier, EU resident. The 2.0% FX fee applies, on top of whatever Visa’s network rate is. That is EUR 0.80 before the network rate, from a single transaction. On the same purchase at Ruby, the first EUR 400 a month of non-EU spending pays no FX fee at all — which is the single clearest argument for paying for a tier if you travel.

A EUR 300 ATM withdrawal in Spain, Midnight tier. The free allowance is EUR 200, so EUR 100 of it is charged at 2% — EUR 2.00 — and any surcharge the ATM operator adds counts against your limit too. Pull EUR 300 twice in a month and the second withdrawal starts from zero allowance. At Obsidian the free amount is EUR 1,000, and at Jade/Indigo or Icy/Rose it is EUR 800.

Notice what is missing from all three: no purchase fee on spending itself. There is no “transaction fee” line, because there isn’t one. The costs are the top-up, the conversion, the ATM, and the tier.

Top up: how the balance gets there

The mechanic is one sentence long and it is the thing to understand before anything else: crypto cannot be loaded onto the card directly. You top up from the Crypto Wallet, the Cash Account, or another credit or debit card, and crypto is converted to local currency first. The card never holds a coin. It holds euros, Canadian dollars or US dollars, and the conversion happened before you ever touched it.

For Europe the numbers are: debit or credit card top-up at 1%; a minimum card top-up of EUR 20; EUR 25,000 daily and monthly in aggregated top-ups and EUR 250,000 yearly; the same caps for crypto-to-card and cash-account-to-card routes; a maximum card balance of EUR 25,000; and 12 loads a day or 140 a month.

That EUR 25,000 balance ceiling is the practical constraint on this card, and it deserves more attention than it gets. It means the card is not an account for your money. It is a spending instrument with a lid on it.

Two things the card does not tell you in the article I read: what fee or procedure applies to withdrawing the card balance back to your wallet or your bank, and how the account closure fee of EUR 50 interacts with an empty balance. Ask before you rely on getting money out, not after.

Paying with it every day

Everyday use is where this card earns its 9.

The rewards are paid in CRO to your Crypto Wallet after each eligible transaction. On the main table, everyday spend by tier: Midnight Blue 0%; Ruby Steel 1.5% up to USD 750 a month; Jade Green and Royal Indigo 2.5% up to USD 1,500; Icy White and Rose Gold 3.5% up to USD 3,000 then 0.5%; Obsidian 4.5% up to USD 5,000 then 1%. Travel bookings run up to 5%, 20%, 25%, 30% and 40% across the tiers. Certain merchant categories and channels are excluded, and the full list sits in a help article I did not read. Smaller tables on the same page show different values from the main table; the main table is the one to trust.

The economics of the tiers are worth spelling out. The lockup buys you a rate, but the rates apply to *spending*, not to your balance. Obsidian’s 4.5% back on up to USD 5,000 a month is the best everyday number on the page, and it costs a $50,000 lockup — which, at any sensible CRO price, is a bet on the token. That is the trade this card actually asks you to make, and it is not a small one. Midnight’s 0% is honest: the free tier gives you the card and nothing else.

The app is where you manage all of it. On the App Store it is listed as “Crypto.com: Trade Every Market” at 4.7/5 from 336K ratings as read on 20 October 2026, with Russian among the supported languages. Unofficially, and from the same third-party directory: Apple at 4.7/5 from 321,114 ratings, Google Play at 4.5/5 from 661,155 ratings, and Apple Pay, Google Pay and Samsung Pay support with availability varying by region. The card’s own pages do not state Apple Pay or Google Pay support.

Two daily-use details the card does not publish: how disputes work, and whether gambling is blocked. A merchant category code of 7995 covers casinos, betting and lotteries, and many issuers block it by policy rather than by law with the list varying by issuer — but whether Crypto.com blocks it is not stated, so do not assume either way.

One more thing you should know about paying anywhere: merchants can look up the issuing institution and country from the first six or eight digits of your card number, and some apply extra scrutiny when the issuer country differs from your billing address. That is why a card issued in one country can look foreign to a shop in another, and it is a small, dull explanation for a surprising number of declines that have nothing to do with you.

What can go wrong

This is where I have to be most careful, because there is a difference between what I can support and what people online say, and the second is much louder.

No official incident was found on the pages I read. That is a statement about what I looked at, not a guarantee that nothing has happened.

The complaint record is bad, and specific. Trustpilot shows 2.0/5 from 9,493 reviews as read on 20 October 2026, with 72% one-star, and the company replies to 31% of negative reviews. The recent themes, as of October 2026: people cannot fund the card, payments fail, a cancelled subscription is still charged, cashback terms changed after sign-up, withdrawals fail, support behaves like a chatbot with long waits, and a token was delisted without conversion. Most of these are app and exchange complaints; a few are card-specific — but “cannot fund the card” is a card-specific complaint, and it is the one that matters most.

Your money is custodial. The funds are held by Crypto.com and the issuer. The page cites AICPA SOC, ISO 27701, ISO 22301 and PCI DSS — real, checkable standards, and worth something. But the cards page does not describe card-level features like two-factor authentication, freeze or spending controls, and it says nothing about insurance or safeguarding. In this category that silence matters: custodial platforms have a real history, and the names people cite are the names they cite for a reason. Holding with a custodian carries counterparty and hack risk, and crypto transfers are typically irreversible, so a stolen key has no recovery path.

The fees are changing. The European fee article already carries an increase from EUR 5 to EUR 6 in inactivity fees from 1 October 2026. I found no 2026 licence or issuer news to report, which I would rather state plainly than fill with speculation.

Support is tiered, like everything else. Live chat runs in the app or at chat.crypto.com; phone and email vary by region — the US number is 888-824-8817, Singapore’s is 65-6264-0211. Priority support is a higher-tier perk. The app listing includes Russian among 26 languages.

Getting money out is the question I would ask first. The article does not state a fee or procedure for withdrawing the card balance back to a wallet or a bank, and it does state a EUR 50 account closure fee. For a card whose entire premise is spending crypto through a normal payment rail, “how do I get the remainder out” deserves an answer before you commit anything.

One structural risk sits under all of these and is worth naming plainly. The card is a programme built on someone else’s licence. Visa and Mastercard do not issue crypto cards to consumers; they license issuers and can suspend a programme. It has happened in this category: Visa terminated its agreements with FTX in November 2022 and the FTX US debit card was wound down, and WaveCrest, a card issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all its Visa programmes. When programmes close, the pattern is a notice period, then spending and loading stop, then users are asked to withdraw remaining balances.

What to take instead

Three alternatives, and they are different in ways that matter more than their scores.

Bybit Card is the closest thing to a direct competitor and it has a hard wall: the cards page says the product is not meant for European Economic Area customers and that all EEA participation is strictly prohibited. Its rewards look better on paper — Base 2% up to 5 USD a month up to Infinite at 10% up to 600 USD — but since 5 October 2026 only crypto-funded transactions earn anything; fiat-funded spending earns nothing. The card has no balance of its own and draws on the Funding Account and the Flexible Easy Earn balance, selling crypto at the One-Click Sell rate plus a 0.9% conversion fee in several regions. Physical card fees range from none in Brazil and Mexico to 29.99 USD in Australia.

Coinbase Card is the plain option: US only, all states except Hawaii, a prepaid Visa debit card, virtual or physical, spending cash or crypto with everything converted to US dollars at the point of payment. “Zero spending fees and no annual fees.” The catch is that the spread applies when Coinbase converts your crypto, so the cost is hidden in the rate rather than the fee. Rewards are optional crypto per purchase, variable, shown in the app, US users only.

OKX is the European one that launched 28 January 2026 for the EU plus Norway — with Iceland and Liechtenstein excluded, though the explainer’s conclusion says “entire EEA”, which is inconsistent. It is a Mastercard virtual debit in euro linked to OKX Pay, issued through an unnamed European licensed payment provider; no physical card is mentioned. You hold USDC or USDG in OKX Pay, other coins must be converted first, there is no auto top-up, and the payment is declined if the balance is short. Cashback applies only to USDG purchases, not USDC — Regular 2% capped at 10 EUR a month, rising through the VIP tiers.

If you are in Europe and the Crypto.com card’s support record is what stops you, OKX is the European alternative with a euro card. If you want the broadest issuer footprint and a large free allowance, Crypto.com’s Midnight tier is still the cheapest way into this category — it just comes with no cashback and a 2.0% FX bill outside the EU.

Who I would recommend it to

I would recommend this card to someone who already holds crypto, lives in a supported country, and has a clear answer to “where do I keep the balance”. If your answer is “a Crypto.com account I fund from my exchange wallet”, and you spend most of what you load in the currency your card is denominated in, then a 1% top-up fee and a tier-based cashback rate is a reasonable price for spending crypto without touching a private key. At Ruby or above, if you travel, the FX waiver is worth paying for on its own.

I would not recommend it to someone whose main problem is that a normal bank card is hard to get. This is a prepaid card with a custodial balance behind it and a EUR 25,000 ceiling, a published closure fee, an unstated withdrawal procedure, and a 72%-one-star complaint profile dominated by funding and payment failures. If your priority is reliable access to a card that works, a regulated bank’s card in a country you are resident in is the more boring and more dependable answer, and boring is what you want at a payment terminal.

The honest summary of my 7.0: this is a strong instrument wrapped around a weak service relationship. The card mechanics — the Visa, the EUR denomination, the 1% top-up, the tier ladder — are well designed and clearly documented for Europe. The platform behind it has a documented support problem and a complaint profile that would make me keep a balance I could afford to lose. That is a card I would use for spending, not for storing anything.

Frequently asked questions

What is the Crypto.com card?

It is a prepaid Visa card that you load with money and spend like an ordinary payment card. It is not linked to a bank account, and it cannot hold crypto: any cryptocurrency you want to spend is converted to local currency first, then loaded. The issuer depends on your region — Foris MT Limited in Europe, Community Federal Savings Bank in the US, Foris Asia in Singapore, among others.

Is Crypto.com a bank?

No, not in the sense most people mean. Crypto.com is a brand that operates cards through licensed issuers and e-money institutions depending on the region — ForisGFS UK Limited is an FCA-authorised e-money institution and is not FSCS-covered, and Foris Asia Pte. Ltd. is an MAS Major Payment Institution. Under EU rules an e-money institution can issue e-money and cards but cannot lend.

Does the Crypto.com card require KYC?

Yes. The card’s pages show a USA PATRIOT Act identity notice covering name, address, date of birth and national ID number, and it may ask for a driver’s licence or other photo ID. Unofficially, a third-party card directory reports that verification can involve a government ID, a selfie and proof of address. The card’s own pages do not state whether proof of address is required.

Is the Crypto.com card free?

Not quite. There is a free tier, and a virtual card costs nothing, but the European figures include EUR 4.99 for a Midnight physical card, EUR 24.99 for Ruby, a 1% card top-up fee, 2% on ATM withdrawals above the free allowance, and tier-based FX fees. On top of that, subscriptions run from free to $4.99 and $29.99 a month depending on your CRO lockup.

Which countries is the Crypto.com card available in?

By residential address, the card is issued in the US, 30 European countries plus the UK, Singapore, Canada, Australia and Brazil — where the Brazilian card is a USD card for use outside Brazil. The citizenship rule is not stated on the pages I read. Unofficial third-party listings also flag ten restricted countries, one of them Russia, though that same source is internally inconsistent.

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

You can use it wherever Visa is accepted, but two things bite. First, foreign-exchange fees apply to purchases outside the EU and the UK on lower tiers — 2.0% at Midnight, nothing at Obsidian. Second, shops can look up your card’s issuing country and decline or scrutinise a foreign card, which causes declines that have nothing to do with you.

How do I top up the Crypto.com card?

From the Crypto Wallet, the Cash Account, or another credit or debit card. Crypto cannot be loaded directly — it is converted to local currency first. In Europe, card top-up costs 1% with a EUR 20 minimum, aggregated top-ups are capped at EUR 25,000 daily and monthly, and you can load 12 times a day or 140 times a month.

How do I get money off the Crypto.com card?

This is the question I would ask before loading anything, because the European article does not state a fee or a procedure for withdrawing the card balance back to a wallet or a bank. It does state a EUR 50 account closure fee and a EUR 5 monthly inactivity fee after 12 months without cardholder-initiated activity. Check the help article for your region before you rely on getting money out.

Is the Crypto.com card safe?

It depends on what you mean. The card cites AICPA SOC, ISO 27701, ISO 22301 and PCI DSS, and support runs through live chat in the app. But the funds are custodial, the cards page does not describe card-level security features or safeguarding, and Trustpilot shows 2.0/5 from 9,493 reviews with 72% one-star, mostly about funding and payment failures. Treat it as a spending instrument, not a store of value.

Is the Crypto.com card worth it?

For a European or Singaporean resident who already holds crypto and spends in the card’s own currency, yes at the higher tiers: the FX waiver and cashback rates are the real product. At Midnight you get no cashback and a 2.0% FX fee outside the EU, which is not worth much. And if your problem is not being able to get an ordinary card, this is probably the wrong fix.

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