Main strengths
- Spend from a loaded Crypto.com prepaid balance, not a credit line.
- Level Up tiers can add CRO rewards and selected card perks.
- Card, cash, PayPal and crypto top-up paths are listed by region.
Basic / Midnight BlueStandard card design
Stablecoin account + Visa/Mastercard card
Crypto.com Prepaid Card
Crypto.com Card uses a loaded prepaid balance and offers CRO rewards through Level Up subscriptions or CRO lockups, with several regional top-up methods. Card funding, rewards and applicable fee rules depend on the selected tier, top-up route and region.
Visa / MCBTC depositsCrypto-nativeFree base planPhysical cardToken rewards
Main trade-offs
- Fees vary by region, tier and the way you fund the card.
- Requires Crypto.com App access and provider-controlled balances.
- This page covers the prepaid card; credit products are separate.
01 · Core economics
Costs that matter
Crypto.com Prepaid Card has a $0 entry option, with paid tiers for higher rewards or added benefits. Funding, FX and cash-access costs remain visible below.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-up3.0%Funding fees can change the real card economics.
Provider FX markup0-3%Tier-dependent range; check the selected plan before spending abroad.
ATM withdrawalFree $200-$1,000/mo; then 2%Monthly free allowance depends on tier; ATM operators and FX can still add costs.
Physical cardUS first card $0-$29.99First-card cost depends on tier; replacement and reissue fees are separate.
Daily card spend$10,000-$25,000/dayTier-dependent spend limit range.
Monthly card spend$15,000-$25,000/monthTier-dependent spend limit range.
Limits and secondary feesLimits and other fees
Monthly inactivity (US)$4.95Listed
Scheduled fee changesUS $5.95 Sep 1; Europe €6 + new FX Oct 1Listed
Account depositNot disclosedListed
02 · Plans & rewards
Choose the plan and the rewards together
Crypto.com Prepaid Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Qualification is required before cashback starts
Conditional: not the automatic rate
CRO rewards
Current monthly cashback-value cap range across tiers
Memberships
1-3 / 5
Upgrade
FreeBasic
Midnight Blue
- Cashback
- 0%
- ATM free allowance
- Free up to $200/mo; then 2%
- Daily card spend
- $10,000/day
- Monthly card spend
- $15,000/month
- Physical card
- US first physical card: $4.99
- FX
- 3%
- Cashback Cap
- Not listed
- Full-rate spend
- Not listed
- Best fit
- Simplest prepaid tier: no plan fee, no CRO rewards and the lowest listed ATM allowance.
Upgrade
$4.99/monthor $49.9/year or $500 CRO stakePlus
Ruby Steel
- Cashback
- 2% in CRO
- ATM free allowance
- Free up to $400/mo; then 2%
- Daily card spend
- $25,000/day
- Monthly card spend
- $25,000/month
- Physical card
- US first physical card: $29.99
- FX
- 3%
- Cashback Cap
- $25 / month
- Full-rate spend
- $1,250 / month; then 0%
- Best fit
- Lowest paid upgrade; compare the Ruby card cost with the 2% CRO rewards cap.
Upgrade
$29.99/monthor $299.9/year or $5,000 CRO stakePro
Jade Green / Royal Indigo
- Cashback
- 3% in CRO
- ATM free allowance
- Free up to $800/mo; then 2%
- Daily card spend
- $25,000/day
- Monthly card spend
- $25,000/month
- Physical card
- US first physical card: $0
- FX
- 3%
- Cashback Cap
- $75 / month
- Full-rate spend
- $2,500 / month; then 0%
- Best fit
- Middle tier with higher CRO rewards, a larger ATM allowance and the higher US card-spend limit.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa/Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
Account rails
- Stablecoin depositsNot confirmed
- USD bank detailsAvailable
- EUR bank detailsAvailable
- Local payoutsNot confirmed
- Card-funded top-upsCountry-specific
04 · Money in and out
How money enters, settles and leaves Crypto.com
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive3 routes
Crypto top-up
1 route
Crypto top-upTop up in the app with supported crypto; exact networks, fees, limits and balance-crediting behavior stay route-specific.BTCETHFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityNot confirmedDetails
Fee components
- Fee not publicly confirmed
Access path
Direct card balance
Availability
Top-up assets are shown in app; networks and regional availability are not publicly confirmed
Fee scope
Shown in app before card top-up
Limit scope
Deposit limits not publicly confirmed
Restrictions
The available top-up asset source names BTC and ETH as examples only; it does not establish a full spendable asset list for the card.
Bank deposits
1 route
EU / UK prepaid card top-upAvailable to eligible EU and UK cardholders.EURGBPFee1%SpeedNot confirmedLimitsNot confirmedAvailabilityEU, SEPADetails
Fee components
- 1% · transfer
Access path
Direct card balance
Availability
Available to eligible EU and UK cardholders.
Limit scope
Not publicly confirmed
Card & app top-ups
1 route
US prepaid card top-upAvailable to eligible US cardholders.USDFee1–2.99%SpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- 1% · transfer
- 2.99% · transfer
- 2.1% · transfer
Access path
Direct card balance
Availability
Available to eligible US cardholders.
Limit scope
Not publicly confirmed
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle1 route
Internal transfers
1 route
US card-to-card sendCard-specific information confirms card-to-card send only.USDFeeNot confirmedSpeedNot confirmedLimitsShown in appAvailabilityRegion-dependentDetails
Fee components
- Fee not publicly confirmed
Access path
Direct card balance
Availability
Other US Crypto.com Prepaid Visa card users where available
Fee scope
Not listed as a separate card-to-card fee
Restrictions
Card-specific information confirms card-to-card send only. General bank payout rails are not inferred for the prepaid card.
06 · Trust and eligibility
Where Crypto.com is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm eligibility during signup.
Countries listed as regional guidance31 countries
AustriaBelgiumBulgariaCroatiaCyprusCzechiaDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenSwitzerlandUnited Kingdom
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productCrypto.com
Provides the product and account experience. Named legal operators appear separately.
Custody controlCrypto.com + programme partners
Controls settlement until payment.
Custodial accountProgramme operatorCrypto.com
Operates the applicable card programme.
Card issuerCommunity Federal Savings Bank
Issues the US Crypto.com Prepaid Visa Card and maintains the card-account records.
Jurisdiction: United States · Applies to: Crypto.com US prepaid Visa programme.Programme operatorForis, Inc.
Manages the card programme and provides customer service on behalf of the bank.
Jurisdiction: United States · Applies to: Crypto.com US prepaid Visa programme.Card issuerForis MT Limited
Card issuance
Jurisdiction: Malta / EEA · Applies to: EEA programmeCard issuerForisGFS UK Limited
Card issuance
Jurisdiction: United Kingdom · Applies to: UK programmeCard issuerForis GFS Australia Pty Ltd
Card issuance
Jurisdiction: Australia · Applies to: Australian programmeCard issuerDigital Commerce Bank (DCBank)
Card issuance
Jurisdiction: Canada · Applies to: Canadian programme07 · Methodology
Why the score is 57
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
57/100
MixedHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Visa/Mastercard spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support87
Company & infrastructure
Named programme infrastructure includes Community Federal Savings Bank (issuer), Visa (network), Mastercard (network) and Foris MT Limited (issuer).
Main constraint25
Rewards value
0% ungated cashback; 5% requires programme qualification and is paid in CRO.
08 · Evidence
Sources
14 sources14 officialChecked Aug 14, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Crypto.com Prepaid Visa Card Fees and Limits — United StatesOfficial source ↗Crypto.com Prepaid Visa Card Fees and Limits — EuropeOfficial source ↗Crypto.com Prepaid Visa Card Europe — terms and conditionsOfficial source ↗Crypto.com Prepaid Visa Card United Kingdom — terms and conditionsOfficial source ↗Crypto.com Visa Card Australia — terms and conditionsOfficial source ↗Crypto.com Visa Card Canada — cardholder agreementOfficial source ↗
09 · Card comparison
How Crypto.com Prepaid Card compares to others
A side-by-side look at cards built around crypto funding, everyday card access and money movement.
1 / 3
Current card
Crypto.com Prepaid Card
Spend from a loaded Crypto.com prepaid balance, not a credit line.
- Card
- Prepaid Visa + Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0%–5%
- FX fee
- 0%–3% tier-dependent
- Apps
- iOS, Android · Web app not confirmed
- Transfers & payouts
- Internal transfers
- Funding routes
- Crypto transfer, Bank deposit, Card top-up + USD balance
- Card
- Credit line Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0.5%–2%
- FX fee
- 0.2%–2.5%
- Apps
- iOS, Android, Web app
- Transfers & payouts
- Crypto, Bank + Internal transfers
- Funding routes
- Crypto transfer, Bank deposit + USD balance
Similar match
KAST supports crypto sends, instant Tag transfers and global or local payouts.
- Card
- Prepaid Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1.5%–3%
- FX fee
- 0.5%–1.75%
- Apps
- iOS, Android · Web app not confirmed
- Transfers & payouts
- Crypto, Bank + Internal transfers
- Funding routes
- Stablecoin receive, Crypto transfer, Bank deposit + USD balance
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
Help keep this page accurate
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Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.