Best crypto cards for ATM withdrawals in 2026
ATM usefulness is more than a zero in one fee field. A card needs both ATM access and a physical card to appear here. We then compare included allowances, extra charges, limits and FX.
How we chose
What determines the order
The ranking covers the complete ATM setup. It is not a cheapest-withdrawal table, and an ATM owner's separate surcharge can still apply.
Confirmed way to reach an ATM
Both ATM access and a physical card must be clearly available. Virtual-only cards are left out unless the provider offers a cardless ATM route.
Allowance before overage
A monthly or tier allowance is shown separately from the provider fee charged after it. A conditional allowance is never shortened to an unconditional free-withdrawal claim.
Limits, FX and external surcharges
Withdrawal limits and provider FX affect practical cash access. ATM-owner charges remain external and variable even when the card provider lists a zero fee.
Among qualifying cards, costs, access, eligibility and usability determine the order. ATM fees are one part of that complete setup, not the sole sorting field.
Ranking results
Current leaders
Based on the latest card terms we checked and the criteria above.
ATM withdrawals score
100/100Bleap Card
Self-custody Mastercard for USDC/EURE spend with zero core card fees, phone wallets and capped category cashback.
Best forPhysical-card ATM access is confirmed. Bleap fee: €0; up to 3 withdrawals and €400 per month; ATM operator surcharge can apply.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
ATM withdrawals score
96/100KAST Card
Stablecoin Visa combining card spend, bank payouts and optional Earn, with a $0 entry tier and 1.5% cashback.
Best forPhysical-card ATM access is confirmed. $3 + 2%.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
ATM withdrawals score
95/100ZEN Card
Fiat account card with Free-to-Pro plans, phone wallets, multi-currency spend and routes for USDT, BTC, ETH and USDC.
Best forPhysical-card ATM access is confirmed. Free 1.5%; Gold has €200/month free, Platinum/Pro €800/month, then 1.5%..
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Side by side
Compare the top three
| Metric | Bleap Card | KAST Card | ZEN Card |
|---|---|---|---|
| Ranking score | 100/100 | 96/100 | 95/100 |
| ATM access and provider fee | Bleap fee: €0; up to 3 withdrawals and €400 per month; ATM operator surcharge can apply | $3 + 2% | Free 1.5%; Gold has €200/month free, Platinum/Pro €800/month, then 1.5%. |
| ATM withdrawal limit | 3 withdrawals and €400 per month | Limits shown in app | Standard €2,000/day; maximum €30,000/day (currency equivalents also published) |
| Provider FX fee | 0% provider fee | 1.8% provider fee | 0.5% provider fee |
| Physical card | Available | Available | Available |
| Card network | Mastercard | Visa | Mastercard/Visa |
Beyond the leaders
Full ranking
Every card below has ATM access and a physical card. The table keeps free allowances separate from extra charges, and still shows when limits or FX costs are unknown.
Bleap Card
Self-custody Mastercard for USDC/EURE spend with zero core card fees, phone wallets and capped category cashback.
Best forPhysical-card ATM access is confirmed. Bleap fee: €0; up to 3 withdrawals and €400 per month; ATM operator surcharge can apply.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
KAST Card
Stablecoin Visa combining card spend, bank payouts and optional Earn, with a $0 entry tier and 1.5% cashback.
Best forPhysical-card ATM access is confirmed. $3 + 2%.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
ZEN Card
Fiat account card with Free-to-Pro plans, phone wallets, multi-currency spend and routes for USDT, BTC, ETH and USDC.
Best forPhysical-card ATM access is confirmed. Free 1.5%; Gold has €200/month free, Platinum/Pro €800/month, then 1.5%..
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
MetaMask Card
MetaMask wallet-linked Mastercard for enabled assets, mUSD rewards and optional Aave yield-bearing spend.
Best forPhysical-card ATM access is confirmed. Free tier 2%; Metal no fee up to $1,200/mo, then 2%.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Krak Card
Custodial Mastercard/Visa debit card for UK, EEA and eligible US users, with regional GBP/EUR/USD settlement and balance-based cashback up to 2%.
Best forPhysical-card ATM access is confirmed. 0% Krak fee; ATM operator may charge.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Avici Card
Self-custodial USDC-backed Visa with virtual and physical cards, phone wallets, regional pricing and ATM access.
Best forPhysical-card ATM access is confirmed. Signature: 0%; Platinum: 0.65% + $1. ATM operator and FX charges may still apply..
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Fold Debit Card
U.S. prepaid Visa with a staged Fold Reserve rollout, BTC rewards and USD funding; legacy Fold+ terms remain for accounts not yet migrated.
Best forPhysical-card ATM access is confirmed. $3.50 Fold fee; waived at $5,000 Reserve or under legacy Fold+; operator fees separate.
Watch outThe provider does not publish a reusable FX rate; an ATM-owner surcharge can also apply independently.
Wirex One Card
Wirex One Card with five no-subscription tiers, USD cashback, virtual-to-metal card options and self-custodial digital assets.
Best forPhysical-card ATM access is confirmed. 2%.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
1inch Card
UK and EEA prepaid Mastercard with staged wallet funding, phone wallets and 1%-2% crypto cashback by reward asset.
Best forPhysical-card ATM access is confirmed. €2.50 UK; €3 + 1.5% outside UK.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Bybit Card (EU)
EUR Mastercard linked to a Bybit EU Funding Account, with Lite and Standard access, 1% default cashback and capped VIP boosts.
Best forPhysical-card ATM access is confirmed. 2%.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Xapo Card
Account-backed Visa or Mastercard debit card for USD and BTC spending, with a $1,000 annual membership and no Xapo FX markup.
Best forPhysical-card ATM access is confirmed. $0 Xapo fee on the first $100 monthly, then 2%; operator fees may apply.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Coca Card
Self-controlled card account with supported stablecoin funding, IBAN receive and six COCA-staked reward tiers.
Best forPhysical-card ATM access is confirmed. Free ATM withdrawals up to $250/month; then 2%.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
ether.fi Cash Card
ether.fi Cash Visa with ETHFI cashback, bank rails and optional Liquid vault yield; credit and vault risks still matter.
Best forPhysical-card ATM access is confirmed. Not confirmed for Core/Luxe · Pinnacle/VIP 10 free withdrawals/month; fee after allowance unconfirmed. ATM operator fees may apply..
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
RedotPay Card
Crypto-funded prepaid card with virtual and physical options plus phone wallets; quick access, but custodial and costly for ATM use.
Best forPhysical-card ATM access is confirmed. 2% up to $10,000 monthly ATM withdrawals; 3% above.
Watch outThe provider does not publish a reusable withdrawal limit, and the ATM owner can still add a separate surcharge.
Bitpanda Card
Visa debit card for spending Bitpanda crypto and metals, with 1% cashback on eligible crypto purchases.
Best forPhysical-card ATM access is confirmed. 2%; min €2.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Holyheld Card
Hybrid Mastercard with self-custody crypto top-ups, a prefunded EUR card balance and 0.5%-1% USDC cashback.
Best forPhysical-card ATM access is confirmed. Domestic EUR 1; international/non-EUR 2.5% + EUR 2; ATM decline EUR 0.50; ATM operator surcharge may apply.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Bybit Card (Global)
Bybit account-linked Mastercard with physical and virtual cards plus tiered cashback; best if Bybit is already your main account.
Best forPhysical-card ATM access is confirmed. 2% after monthly allowance.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Brighty Card
Account-linked Visa with a Mastercard variation, tiered USDC cashback, paid plans, physical Visa access and bank or crypto rails.
Best forPhysical-card ATM access is confirmed. Physical Visa: Plus €3.50 in the EEA or €3.50 + 3.5% outside it; Pro €3 in the EEA or €3 + 3% outside it. Mastercard ATM access and fees are unknown..
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
ARQ Card
Balance-backed Mastercard for residents of Mexico, Colombia, Argentina and Brazil, with optional Premium and Prestige memberships.
Best forPhysical-card ATM access is confirmed. Standard 1%; operator fee may apply. Prestige metal withdrawals are 3%..
Watch outThe provider does not publish a reusable withdrawal limit, and the ATM owner can still add a separate surcharge.
Tangem Card
Tangem adds a prefunded virtual Visa to its hardware-wallet ecosystem for USDC spending on Polygon.
Best forPhysical-card ATM access is confirmed. Basic 4%; Plus 2%; operator surcharges separate.
Watch outThe provider does not publish a reusable FX rate; an ATM-owner surcharge can also apply independently.
Nexo Card
Nexo Mastercard with Debit Mode and crypto-backed Credit Mode; useful for Nexo users who understand collateral risk.
Best forPhysical-card ATM access is confirmed. 2% after tier allowance; minimum 1.99 EUR/GBP.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Coinbase Card
Prepaid Visa linked to a Coinbase balance, with virtual and physical cards, ATM access and variable U.S. crypto rewards.
Best forPhysical-card ATM access is confirmed. U.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here..
Watch outThe provider does not publish a reusable FX rate; an ATM-owner surcharge can also apply independently.
Tria Card
Self-custodial wallet-linked Visa with paid tiers, tiered stablecoin cashback and optional variable-rate on-chain Earn vaults.
Best forPhysical-card ATM access is confirmed. Up to $2 + 3%; inquiry/decline up to $2.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Crypto.com Prepaid Card
Crypto.com prepaid card with Level Up tiers, CRO rewards, regional top-ups and phone-wallet support.
Best forPhysical-card ATM access is confirmed. 2% above monthly free allowance.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Solayer Pay Card
Visa card for spending USDC, earning Emerald Points and optional yield on spendable sUSD.
Best forPhysical-card ATM access is confirmed. ATM access available; part of the provider fee is unknown.
Watch outThe provider does not publish a reusable FX rate; an ATM-owner surcharge can also apply independently.
Gemini Credit Card
U.S.-only metal Mastercard with 1%-4% crypto rewards, no annual fee and no foreign transaction fee.
Best forPhysical-card ATM access is confirmed. Cash advance: greater of $10 or 3%, plus 29.49% variable APR.
Watch outThe ATM owner's own surcharge and currency-conversion choice remain separate from the provider terms.
Scope and caveats
How to use this ranking
These rankings are a starting point, not a promise that one card suits everyone. Availability, fees and rewards vary by country and can change, so check the current terms before applying.
FAQ
Questions about this ranking
Does a 0% ATM fee mean the withdrawal is free?
No. The provider may apply an allowance or fixed charge, the card network can convert currencies and the ATM owner can add a separate surcharge.
Why are virtual-only cards excluded?
A virtual card does not establish a usable ATM route. A physical card is required unless the provider clearly offers cardless or contactless ATM access.
Is this ordered only by ATM fees?
No. It ranks the complete cash-access setup, including physical access, costs, eligibility and limits. The table lets you compare the fee details directly.
How should I use an unknown withdrawal limit?
Treat it as unresolved, not unlimited. Check the current app, plan terms and the ATM's own limit before relying on the card for cash access.