Zypto review

The monthly fee is $0, which places Zypto at 1 of 379 brands on that measure. Currency conversion is the charge more likely to build up over a year, so keeping the balance in the currency you actually spend keeps costs down.

Conversion is charged at 1.75%, and Zypto sits at 141 of 237 brands on that measure. The card covers 100 currencies, so the fee applies whenever the balance is spent somewhere other than the currency it was loaded in.

Loading from crypto carries 3% crypto off-ramp fee on load, plus blockchain gas fees. Because the card is prepaid, the money has to be converted before it can be spent, and that conversion is where most of the cost sits rather than the monthly fee. The network is visa, so it works in the usual places.

Custody is self custody, so the coins stay with the holder rather than sitting with a provider. The card terms are issued by Zypto Sp.Zoo, a company headquartered in Poland. That structure suits people already comfortable looking after their own assets.

It is a prepaid card on the visa network, and the listed features are crypto, virtual card and self custody. A virtual card and travel use are part of that list, so the card is aimed at paying and spending rather than saving or earning interest.

Support runs on email, chat and help centre. Questions can go by email or chat, with a help centre and a community for anything else, and there is no phone line in that list. It suits people who are happy working through written support.

It suits people who already hold crypto and want to spend it without moving through a bank balance first, and travellers who want one card across 100 currencies. It suits less well anyone who spends in a single currency, since 1.75% applies on each conversion.

The cost score is 5.1 and the overall score is 5.1. A free monthly fee of $0 is offset by 3% crypto off-ramp fee on load, plus blockchain gas fees on every crypto load and 1.75% on conversion, so the card only looks cheap when the balance is spent in the currency it was loaded in.