Crypto card issuers: what the name usually tells you
See Monavate? Think UK or EEA. See Rain or Third National? Think Visa, stablecoins and a virtual card first. The issuer name is not the full answer, but it is often a useful shortcut if you know which patterns travel from one programme to another.
The most reliable issuer clues are usually geography, network, card format and the way support is split. Fees are less portable: two cards can use the same issuer and charge very different FX or ATM fees.
30-second scan
What each issuer name should make you check
| Issuer | Cards in our catalogue | Likely signal | Fee pattern | Check first |
|---|---|---|---|---|
| Monavate | Rebind Card, OKX Card (EEA), Krak Card, 1inch Card, Bitget Wallet Card | Usually a UK or EEA card. Visa or Mastercard; phone wallets often work. | Some cards add no FX markup, though Visa or Mastercard conversion may still cost you. | Which Monavate company issues your card, and what your card's fee page says. |
| Rain / Third National / Nimbus | KAST Card, Tria Card, ether.fi Cash Card, Plasma One Card, Solid Card, Oobit Card | Often a Visa card that spends stablecoins or connects to a crypto wallet. Virtual access usually comes first. | Card FX figures range from 0% to 3%. Brand markup and issuer fees can be separate. | Is it prepaid, wallet-linked or credit? Check plastic card and ATM access too. |
| Wallester | Brighty Card | A European Visa card issued for another brand, often with a virtual card and phone wallets. | Brighty Visa lists up to 2% FX; Wallester Business uses Visa rate + 2%. Partner pricing varies. | Read the brand's fee and cash rules. Brighty's Wallester agreement covers its Visa card only. |
| Wirex | Wirex One Card, Kolo Card, Solid Card | A Visa card linked to a crypto wallet, often starting with a virtual card. | Wirex One lists 0% FX; Kolo EUR lists 1%; Solid pricing changes by tier and region. | Is this Wirex's own card or a partner card? Check the issuer and terms for your country. |
| Sutton Bank | Fold Debit Card | A US bank behind a prepaid or debit card sold by another brand, such as Fold. | Fees belong to the programme and can differ sharply even when Sutton is the issuer. | Use the brand's card agreement and app to find fees and support contacts. |
| Lead Bank | Phantom Card, Fuse Card, Krak Card | A US Visa card built around a crypto wallet, usually available in the app first. | Fuse lists 0% FX; Phantom says a fee may apply and shows it before confirmation. | Can you apply in your state, and do you need a physical card or ATM access? |
| Unlimit EU | Bleap Card, Holyheld Card | An EEA Mastercard with phone wallets; physical cards and ATM access depend on the brand. | Reviewed examples run from 0% provider FX at Bleap to as much as 5.5% + €1 at Holyheld. | Which countries and currencies your card covers, then read its own fee page. |
| DCS Card Centre | Jupiter Card, Bitget Wallet Card, Coin98 Fusion Card | A Singapore or wider APAC card route, often offered first as a virtual card. | Coin98 lists 1.7% FX; other multi-issuer cards need their assigned programme checked. | Which route you get, and whether that card includes plastic or ATM access. |
| Xfers / StraitsX | RedotPay Card, OKX Card (Global) | A Singapore Visa card connected to a crypto balance. | RedotPay lists 1.2%–2% FX; OKX lists 0% OKX markup plus the network rate. | RedotPay offers a physical card and ATM use; the OKX route here is virtual-only. |
| Reap | None currently | Visa card issuing for businesses, with virtual and physical options. | No catalogue card to compare; partner prices depend on its own terms. | Who can apply, how the card is funded and what the programme charges. |
| SUNRATE | None currently | Visa and Mastercard issuing for cross-border business payments. | No catalogue card to compare; pricing depends on the programme. | Who can apply and which business purchases the card permits. |
Regional reality check
One card brand can have several issuers
These are the clearest regional assignments found in current official terms. They explain why the issuer shown for a card can change when you switch country.
Wirex One
Wirex is the brand and programme operator, but it is not the legal issuer everywhere.
- EEA: Transact Payments Malta Limited is the issuer; UAB Wirex manages and distributes the programme. Wirex One terms
- Australia / New Zealand: Novatti Group Limited is the issuer; Wirex Australia provides the regulated service. Wirex One terms
Bybit Card
The issuer changes with the regional programme, so “Bybit” alone is not a complete issuer answer.
- EEA: Harmoniie SAS issues the Bybit EU Card; Moorwand is the Mastercard licence and programme partner. Bybit EU Card
- Australia: Fly Wallet Pty Ltd is the issuer; Winway International arranges and distributes the card. Australian PDS
- Mexico: Vortex Pay, S. de R.L. de C.V. is the issuer. Mexican terms
Crypto.com Card
Crypto.com uses a regional issuer matrix rather than one issuer for the whole product.
- United States: Community Federal Savings Bank is the issuer. US agreement
- EEA: Foris MT Limited is the issuer. EEA terms
- United Kingdom: ForisGFS UK Limited is the issuer. UK terms
- Australia: Foris GFS Australia Pty Ltd is the issuer. Australian terms
- Canada: Digital Commerce Bank (DCBank) is the issuer. Canadian agreement
OKX Card (Global)
The OKX programme has different issuer and distributor roles by market.
- Singapore: Xfers Pte. Ltd. (StraitsX) is the issuer and Visa issuing member. StraitsX agreement
- Australia: Bano Pty Ltd is the issuer; OKX Australia Pty Ltd is the distributor. Australian TMD
Rain / Third National / Nimbus: Visa cards with different rules
Rain provides card issuing technology, while Third National appears as the issuer on several cards. Nimbus is named in related terms. The names often appear together, but the brand decides whether the card is prepaid, linked to a wallet or backed by credit.
What to expect
- A Visa card that may spend stablecoins or connect to a crypto wallet.
- Most cards start virtually and work with phone wallets.
- Some are credit lines, so check before treating one like a debit card.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Tria Card | Credit line | 0% Tria markup; issuer-programme FX fee up to 3% | Physical · ATM |
| ether.fi Cash Card | Credit line | Core 0–0.5% · Luxe 0–0.25% · Pinnacle/VIP no added provider margin. EUR-settled purchases have 0% provider markup in beta; base FX and DCC are separate. | Physical · ATM |
| KAST Card | Prepaid | 0.5% - 1.75% | Physical · ATM |
| Jupiter Card | Debit | 1% or 1.8% | Physical · Check ATM |
| Plasma One Card | Wallet-linked | Lite: 1% + Visa (~1%); Core: 0.5% + Visa (~1%); Platinum: 0% + Visa (~1%) | Physical · No ATM |
| Solid Card | Credit line | EUR/Wirex: 0% with sufficient EURC or eligible soUSD Credit mode. Other purchases: provider 1% + Solid 1%/0.5%/0% by tier (2%/1.5%/1% total) | Virtual only · No ATM |
| Exa Card | Credit line | 1.5% | Virtual only · ATM |
| Tangem Card | Wallet-linked | Visa standard rate; a cross-border fee may apply, effective percentage unknown (legal maximum 3%) | Physical · ATM |
| Avici Card | Wallet-linked | 0% Avici FX fee; Visa may charge 0.4%-1% for non-USD transactions. The U.S. programme publishes 1%. | Physical · ATM |
| Oobit Card | Wallet-linked | Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice. | Check format · ATM |
Oobit's card terms run the name together as “ThirdNational”. Its electronic-consent notice names Third National, Inc. for the same card programme. We count Oobit with Third National; the terms for another country may still differ. Selected examples from 19 cards are shown above.
Wallester: Visa cards issued for other brands
Wallester issues Visa cards for brands in the EEA and UK. A partner can offer a virtual or physical card and set its own limits and fees. That is why Wallester Business prices are only a reference point for a crypto card carrying another brand.
What the name suggests
- A European Visa card with phone-wallet support.
- The brand chooses the card type, limits and whether you get plastic.
- Use the brand's fee page, not Wallester Business pricing, for your card.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Brighty Card | Debit | Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources. | Physical · ATM |
Wallester issues the Brighty Visa version. We do not have a confirmed issuer for the current Mastercard version.
Wirex: its own card and partner cards
Wirex sells its own card and appears behind other brands' cards. Wirex One, Kolo and Solid all use the name in different ways, with different prices.
The useful contrast
- Wirex's own card advertises zero FX on international spend.
- The reviewed Kolo EUR card names Wirex Limited but lists 1% FX.
- Solid names Wirex as one of its partners, but does not say which countries get that route.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Kolo Card | Debit | 1% | Virtual only · ATM |
| Solid Card | Credit line | EUR/Wirex: 0% with sufficient EURC or eligible soUSD Credit mode. Other purchases: provider 1% + Solid 1%/0.5%/0% by tier (2%/1.5%/1% total) | Virtual only · No ATM |
| Wirex One Card | Debit | 0% | Physical · ATM |
Sutton Bank: the bank behind Fold
Sutton issues Fold's US card. Fold runs the app and handles cardholder support, so the two names have different jobs when something goes wrong.
What to expect
- The card agreement names Sutton as issuer.
- Fold publishes the card's fees and limits.
- Fold tells cardholders to contact Fold for support.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Fold Debit Card | Prepaid | $3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separate | Physical · ATM |
Lead Bank: one US issuer, three card designs
Lead Bank appears on the US paperwork for Fuse, Phantom and Krak. Start there for the legal terms, then check the card itself: each brand handles the wallet, fees and cash access differently.
Where the cards differ
- Fuse and Phantom use Lead Bank in the US, but their spending and fee rules differ.
- Krak names Lead Bank for eligible US residents. Its UK and EEA cards use other issuers.
- Check the brand's fee sheet before assuming the same FX or ATM costs.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Fuse Card | Debit | 0% | Virtual only · No ATM |
| Krak Card | Debit | 0% UK/EEA; 1% US foreign-transaction fee; Mastercard/Visa conversion rate | Physical · ATM |
| Phantom Card | Prepaid | May apply; shown before confirmation | Virtual only · No ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
Unlimit EU: the same issuer, different card prices
Unlimit EU Ltd issues both Bleap and Holyheld Mastercards. That shared name helps you find the right legal terms, but it tells you little about what either card will cost.
What the shared name does not tell you
- Bleap lists no provider FX markup. Mastercard conversion and scheme charges may still apply.
- Holyheld's published card fees can reach 5.5% + €1. Its current membership is invitation-only.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Bleap Card | Debit | Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply | Physical · ATM |
| Holyheld Card | Debit | Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency | Physical · ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
DCS Card Centre: an APAC issuer with route-specific terms
DCS appears on Coin98 Fusion, Bitget Wallet and Jupiter card paperwork. For Bitget and Jupiter, the issuer can change with the route, so the DCS name matters only where that route applies.
Where DCS appears
- Coin98 Fusion names DCS Card Centre Pte. Ltd. as issuer.
- Bitget uses DCS for applicants assigned to its APAC route.
- Jupiter names both DCS and Rain without a full country-by-country issuer list.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Bitget Wallet Card | Wallet-linked | 1.7% in reviewed APAC and Immersve routes; other regional rates unknown | Physical · Check ATM |
| Coin98 Fusion Card | Credit line | 1.7% foreign-currency conversion | Virtual only · ATM |
| Jupiter Card | Debit | 1% or 1.8% | Physical · Check ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
Xfers / StraitsX: two Singapore card programmes
Xfers appears on the Singapore terms for both RedotPay and OKX. Both use Visa, but RedotPay offers a physical card and ATM access while the OKX route in our catalogue is virtual-only.
Two ways to use the same issuer
- RedotPay lists FX fees from 1.2% to 2% for its card.
- OKX lists no product FX markup for its Singapore route, though the network rate can matter.
- OKX names Bano for its Australian card, a separate issuer route.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| OKX Card (Global) | Debit | 0% OKX markup + network rate | Virtual only · No ATM |
| RedotPay Card | Prepaid | 1.2% - 2% | Physical · ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
Cross River Bank: MetaMask's US card
Cross River Bank issues the US MetaMask Card. MetaMask provides the wallet experience, including the rules for which assets you can spend.
What Cross River covers
- Cross River Bank is named for the US card, not for every MetaMask market.
- Your wallet setup and supported assets still determine what you can spend.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| MetaMask Card | Debit | 0% - 1% | Physical · ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
DiPocket UAB: Nexo's European card issuer
Nexo's EEA and UK card terms name DiPocket UAB. Nexo still sets the rules that matter day to day, including how its Debit and Credit Modes work.
What changes with Nexo's mode
- Debit Mode and Credit Mode have different costs and rewards under Nexo's rules.
- The DiPocket terms we have cover the European card; they do not describe every country where Nexo is available.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Nexo Card | Credit line | 0.2% - 2.5% | Physical · ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
Immersve: Binance Card Global
Immersve Limited is named as issuer for eligible Binance Card Global users. The word “Global” is broad; the countries where people can apply are more limited.
What Global means here
- The card is a virtual Mastercard in the programme covered here.
- Binance sets out who can apply and what the card costs.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Binance Card | Debit | 2% in most card-available countries; 3% in New Zealand | Virtual only · Check ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
Transact Payments Malta and Novatti: legal issuers behind Wirex One
Wirex One uses Transact Payments Malta Limited in the EEA and Novatti Group Limited in Australia and New Zealand. Transact Payments Malta also issues Xapo's European Visa card, but Xapo sets its own customer terms.
Who issues which card
- Wirex One and Xapo share an EEA issuer, not a fee schedule.
- Novatti is named for Wirex One in Australia and New Zealand.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Bitpanda Card | Debit | 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable. | Physical · ATM |
| Wirex One Card | Debit | 0% | Physical · ATM |
| Xapo Card | Debit | 0% Xapo FX markup; BTC card spend uses a current variable 0.29% spread | Physical · ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
First Electronic Bank: Coinbase One credit
First Electronic Bank issues the Coinbase One credit card. Coinbase runs the brand and rewards; Cardless services the account. That split matters when you need the credit agreement or account help.
Before using the rewards
- Coinbase One membership does not guarantee credit approval.
- The USDC-secured version adds collateral rules to the usual repayment terms.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Coinbase One Card | Credit line | 0% foreign transaction fee; Amex conversion rates remain separate | Physical · Check ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
WebBank: Gemini's revolving credit account
WebBank issues the Gemini Mastercard Credit Card. You can earn crypto rewards, but you repay a revolving credit balance in the usual way.
The credit card basics
- Purchases and cash advances can carry different costs.
- Moving funds in your Gemini exchange account does not repay the card balance.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Gemini Credit Card | Credit line | $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate | Physical · ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
Pathward and Paysafe: Coinbase debit by region
The Coinbase debit card changes issuer with the country: Pathward, N.A. in the US, Paysafe Financial Services Limited in the UK and Paysafe Payment Solutions Limited in the EEA.
The country split
- The UK and EEA cards name different Paysafe companies, despite sharing the brand.
- Coinbase One Card is separate credit, issued by First Electronic Bank.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Coinbase Card | Prepaid | U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate. | Physical · ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
Community Federal Savings Bank, Foris and Digital Commerce Bank
Crypto.com's prepaid card keeps its familiar look across markets, but the issuer changes. The US, EEA, UK, Australia and Canada each have their own named issuer in our catalogue.
Who issues the card where
- Community Federal Savings Bank issues the US card.
- Foris companies are named in the EEA, UK and Australia.
- Canada names Digital Commerce Bank.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Crypto.com Prepaid Card | Prepaid | 0% - 3% tier-dependent | Physical · ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
Harmoniie, Fly Wallet and Vortex Pay: Bybit's regional issuers
Bybit names Harmoniie SAS for its EU card, Fly Wallet Pty Ltd in Australia and Vortex Pay in Mexico. These are separate card programmes, even though they share the Bybit name.
Three separate routes
- Harmoniie issues the EU card. Moorwand has a different role in that programme.
- The Australian product disclosure names Fly Wallet as issuer.
- The Mexican card names Vortex Pay.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Bybit Card (EU) | Debit | 0.5% | Physical · ATM |
| Bybit Card (Global) | Debit | 2% most Global regions, including Australia; 1.5% Brazil; 7% Argentina. Kazakhstan charges a 2% international fee on cross-border purchases even in USD. | Physical · ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
Bano: the Australian OKX programme
Bano Pty Ltd issues the Australian OKX card. OKX Australia distributes it; the Singapore card uses Xfers / StraitsX instead.
Bano's part in the card
- Bano is the company named on the Australian issuing terms.
- OKX Australia handles distribution, a different job from issuing the card.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| OKX Card (Global) | Debit | 0% OKX markup + network rate | Virtual only · No ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
Banco Popular de Puerto Rico: Kolo's USD card
Kolo's USD card names Banco Popular de Puerto Rico; its EUR card names Wirex Limited. The currency route determines which agreement you need.
Follow the currency
- Banco Popular de Puerto Rico appears on the USD card terms.
- Kolo's published 1% FX figure for the EUR route does not price the USD card.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Kolo Card | Debit | 1% | Virtual only · ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
Fiat24: a limited Bitget Wallet route
Fiat24 is named for Bitget Wallet's mainland China card route. Other Bitget applicants may be assigned DCS or Monavate instead.
What remains unclear
- Fiat24 does not issue every Bitget Wallet card.
- Bitget's current pages disagree about who can sign up for this route.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Bitget Wallet Card | Wallet-linked | 1.7% in reviewed APAC and Immersve routes; other regional rates unknown | Physical · Check ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
UAB ZEN.COM: the ZEN individual card issuer
UAB ZEN.COM is the Lithuanian company named as issuer in ZEN's individual card terms. The card fee still depends on the plan and transaction.
What the issuer name leaves out
- ZEN's card and account protections have their own terms.
- FX and ATM charges can change with the plan you choose.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| ZEN Card | Programme-specific | Weekday margin: Free 0.5%, Gold 0.2%, Platinum/Pro 0%; weekend adds 0.4%. | Physical · ATM |
FX figures describe these cards. Check the fee page for your country before using one as a guide to another.
Other issuing platforms
Reap and SUNRATE also issue cards for business programmes. Neither has a card example in our catalogue yet, so we cannot compare their partner card terms here.
Before you apply
Four checks that beat issuer-name guessing
- 1
Entity and region: which exact issuer name applies to your residence?
- 2
Card type: debit, prepaid, wallet-linked or a collateralised credit line?
- 3
Real fee sheet: product FX, network conversion, ATM and cross-border charges.
- 4
Support route: who handles a decline, freeze, chargeback or card replacement?
Use the shortcut
Start with the issuer pattern, finish with the exact card
Browse the reviewed catalogue to compare the programme's actual FX, card format, ATM access and mobile wallet support, not the issuer's reputation in the abstract.