Crypto.com Card review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Crypto.com Card suits crypto holders who want to spend a crypto balance straight from the app on a prepaid Visa card. Free ATM withdrawals reach $200 against a card median at €0, and the card holds 20 currencies for travel spending.
Key facts
- Best for
- Spending a crypto balance day to day on a card with no monthly charge.
- Monthly fee
- $0↗
- Currency conversion fee
- 0.2% to 2%↗
- Free ATM withdrawals
- $200↗
- Card type
- Prepaid↗
- Top-up fee
- 1% on debit/credit card top-up↗
- Cashback rate
- 0%↗
- Card network
- Visa↗
- Currencies
- 20↗
- Custody
- Custodial↗
- Legal entity
- Foris DAX MT Limited↗
- Headquarters
- Malta↗
- Founded
- 2019↗
- Support channels
- Email, Chat, Phone, Help-centre, Community↗
- Features
- Crypto, Multi-currency, Custodial, Travel
- Official website
- crypto.com
Crypto exchanges
- Taker fee
- 0.02% to 0.16%↗
- Coins listed
- 392↗
- Regulators
- Malta Financial Services Authority, Malta Financial Services Authority (Electronic Money Institution), Malta Financial Services Authority (MiFID II investment firm / CIF), US regulators (Designated Contract Market and Derivatives Clearing Organization), Major Payment Institution, SFC Virtual Asset Trading Platform, Malta Financial Services Authority (MFSA)↗
- Fiat deposit methods
- Card, Bank, SEPA, Apple-pay↗
- Maker fee
- 0.02% to 0.16%↗
- Proof of reserves
- Yes↗
- Withdrawal fee
- Estimated network transaction fee, per coin↗
- Derivatives
- Yes↗
- Exchange type
- Cex↗
Facts checked September 26, 2026, 9 sources
Pros and cons
Pros
- Monthly fee of $0, ahead of the card ranking at 1 of 379
- Free ATM withdrawals of $200, well above the card median at €0
- Support runs through email, chat and phone, including phone and a help centre
Cons
- The cashback rate is 0%, so everyday spend earns nothing back
- Currency conversion costs 0.2% to 2%, with the site median at 1%, so spending outside your balance currency is not free
- European card top-ups carry 1% on debit/credit card top-up, and moving crypto out of the platform costs Estimated network transaction fee, per coin
Who it suits
- Crypto holders who keep a balance on the exchange and want to spend it in shops
- Travellers who want a single card across 20 currencies
- Residents of Malta, the UK and Australia, covered by the electronic money licences listed
Who should look elsewhere
- Bitpanda users who want a card and exchange in one simpler account
- Wise or Monzo Flex users who want plain spending rather than a crypto balance
- Anyone holding their own keys, since custody is custodial
Safety and regulation
Balances are custodial, so the operator holds the assets rather than you holding your own keys, and the card depends on that company staying in business. The platform publishes proof of reserves. Assets sit with the operator, so the risk is company risk. Licensing is broad: a Malta electronic money licence C 90348, a UK approval 988571, an Australian licence 467462 and MiCA registration MiCA CASP 2549005CVR5HH70FDO07.
Who runs it
The card and exchange run through Foris DAX MT Limited, headquartered in Malta and founded in 2019. Support runs through email, chat and phone, covering phone, email, chat, a help centre and a community. Card issuing sits under a Malta electronic money licence C 90348, a UK approval 988571 and an Australian licence 467462. The listed crypto-asset entity registers under MiCA as MiCA CASP 2549005CVR5HH70FDO07.
How Crypto.com Card compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.6
8.8 vs 9.0
8.8 vs 9.1Bitpanda pairs a monthly fee of €0 with an exchange and card in one account, a similar setup.
8.8 vs 8.9
8.8 vs 8.1
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 8.9- 8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.3
Where Crypto.com Card is available
- Licence in Malta
- Malta Financial Services Authority (Crypto-Asset Service Provider under MiCA, Foris DAX MT Limited), checked September 26, 2026
- Licence in Malta
- Malta Financial Services Authority (Electronic Money Institution, Foris MT Limited) (C 90348), checked September 26, 2026
- Licence in United Kingdom
- Financial Conduct Authority (Electronic Money Regulations 2011, ForisGFS UK Limited) (988571), checked September 26, 2026
- Licence in Singapore
- Monetary Authority of Singapore (Major Payment Institution Licence, Foris Asia Pte. Ltd.), checked September 26, 2026
- Licence in Australia
- Australian Securities and Investments Commission (Australian Financial Services Licence, Foris GFS Australia Pty Ltd) (467462), checked September 26, 2026
- Licence in Hong Kong
- Securities and Futures Commission (Virtual Asset Trading Platform deemed licence status), checked September 26, 2026
- Licence in United States
- Community Federal Savings Bank (Member FDIC) issues the card under a licence from Visa U.S.A Inc., checked September 26, 2026
- Licence in Malta
- Malta Financial Services Authority (MFSA) (MiCA CASP 2549005CVR5HH70FDO07), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Crypto.com Card cost each month?+
The monthly fee is $0, which places it at 1 of 379 in the card ranking. There is no subscription for the card itself, so the running costs sit in conversion, top-ups and trading rather than a monthly bill.
What does it cost to top up the card?+
Card and bank top-ups carry 1% on debit/credit card top-up for users with a European address. Money can arrive through card, bank and sepa, so a bank or SEPA transfer avoids the surcharge that a debit or credit card attracts, while the balance stays on the platform to be spent.
What does it cost to convert currency when spending abroad?+
Currency conversion costs 0.2% to 2%, with the site median at 1%. The card is multi-currency across 20 currencies, so holding a balance in the currency you are about to spend usually keeps the conversion charge out of the way.
How many free ATM withdrawals do I get?+
Free ATM withdrawals cover $200, against a card ranking median at €0. The card is prepaid and runs on visa, so it works at cash machines like any other payment card. Moving crypto to an external wallet is separate and costs Estimated network transaction fee, per coin.
Who holds the crypto that the card spends?+
Custody is custodial, so the operator holds the assets rather than you holding your own keys, and the card depends on that company continuing to trade. The platform publishes proof of reserves, and the exchange behind the card lists 392 coins for trading.
Which regulators license the operator?+
The electronic money side is licensed in Malta under C 90348 and in the UK under 988571, with an Australian licence 467462 and MiCA registration MiCA CASP 2549005CVR5HH70FDO07. In the United States the card is issued by Community Federal Savings Bank, a member FDIC, under a licence from Visa U.S.A Inc.
Can I trade and use derivatives on the same account?+
Yes, derivatives are offered, the exchange is centralised, and 392 coins are listed. Taker fees run 0.02% to 0.16% and maker fees 0.02% to 0.16%, against a site median at 0.2%. Fiat deposits run through card, bank and sepa, so an account can be funded, traded and spent in the same place.
Sources
- coingecko.com/en/exchanges/crypto_com checked September 26, 2026
Backs: Coins listed, Founded, Exchange type, Maker fee, Taker fee
“id=crypto_com; coins=392; pairs=539”
- defillama.com/cex/crypto-com checked September 26, 2026
Backs: Proof of reserves
“slug=crypto-com; category=CEX; tvl=2470690659.865562”
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=MT”
- crypto.com/eea checked September 26, 2026
Backs: Derivatives, Fiat deposit methods
“Prediction is an event contract which is a derivatives product.”
- crypto.com/eea/fees-limits checked September 26, 2026
Backs: Withdrawal fee
“The quoted fee is based on an estimate of the network transaction fees. The final fee may differ from the estimated fee”
- crypto.com/eea/licenses checked September 26, 2026
Backs: Regulators
- crypto.com/en/app checked September 26, 2026
Backs: Currencies, Custody
“Supports over 20 currencies, including USD, GBP, and SGD.”
- crypto.com/en/cards checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Cashback rate, Features, Monthly fee, Card network, Support channels
“Free ATM withdrawals $200 USD (per month) - Midnight Blue”
- help.crypto.com/en/articles/5977463-crypto-com-prepaid-vi... checked September 26, 2026
Backs: Currency conversion fee, Top-up fee
“Foreign Transaction Fee: Midnight: All non-EUR purchases and ATM transactions will be charged as follows - Within the EU and UK 0.2%; Outside the EU and UK 2.0%”
Compiled from 10 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.
Related by the facts
Crypto.com Card
Spending a crypto balance day to day on a card with no monthly charge.