Crypto.com Card review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
The Crypto.com Card suits crypto holders who want a prepaid Visa card for everyday spending, with 392 coins and 20 currencies behind the account. There is a trade-off: the wallet is custodial, so the card fits people already comfortable leaving crypto on an exchange.
Key facts
- Best for
- Spending a crypto balance from a prepaid Visa 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↗
Credit cards
- Annual fee
- €0↗
- Rewards type
- Cashback↗
- Rewards rate
- 0% CRO Rewards on everyday spending on the free Midnight Blue tier, 2% to 5% on paid tiers, paid in CRO↗
- Perks
- Free ATM withdrawals up to EUR 200 per month (Midnight), Card upgrade waived, Physical card issuance EUR 4.99 (Midnight), EUR 25,000 monthly POS purchase and top-up limit, Inactivity fee EUR 5 per month after 12 months, rising to EUR 6 from 1 October 2026↗
- Cashback rate
- 0% to 5%↗
- Pricing model
- No annual fee
Pros and cons
Pros
- The Midnight card includes free ATM withdrawals of $200 a month, plus a waived card upgrade and travel perks.
- Support runs on email, chat and phone, so phone, chat, email and the help centre are all there.
- Proof of reserves is published, so you can check that reserves match user balances.
Cons
- The wallet is custodial, so the provider holds the balance rather than you holding the keys.
- Topping up by debit or credit card costs 1% on debit/credit card top-up, which cuts into a free monthly fee.
- Derivatives are offered, and retail investors typically lose 70.15% across the products compared here.
Who it suits
- People who already hold crypto and want to spend it in shops without a bank account.
- Travellers who want one card for many currencies, since the app covers 20 of them.
Who should look elsewhere
- Skrill, where the monthly fee is €5 and holding the account costs each month.
- The JMMB Moneyline and JMMB Money Transfer prepaid card, whose monthly fee is JMD 0, if you would rather hold a plain balance than a crypto one.
Deposit protection
Money sits with the company rather than in your own name, because the wallet is custodial. The card runs through Foris DAX MT Limited, an electronic money institution in Malta under licence C 90348. UK users sit under a Financial Conduct Authority electronic money licence, 988571, and Australian users under an Australian Securities and Investments Commission financial services licence, 467462. The crypto side runs under a Malta Financial Services Authority registration, MiCA CASP 2549005CVR5HH70FDO07.
Fees and FX
The monthly fee is $0, so keeping the card costs nothing to run. The currency conversion fee is 0.2% to 2%, and that is the figure that matters most when you pay outside your home currency. Loading money by debit or credit card carries 1% on debit/credit card top-up, so a bank transfer or SEPA transfer is the cheaper way to top up.
How Crypto.com Card compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 9.4
8.8 vs 8.7
8.8 vs 9.2
8.8 vs 9.4
8.8 vs 8.7
8.8 vs 9.3
8.8 vs 8.9
8.8 vs 8.6
8.8 vs 9.2
8.8 vs 8.4
8.8 vs 8.5
8.8 vs 8.8Its monthly fee is €5, so it suits people happy paying each month to hold a money account.
8.8 vs 9.0
8.8 vs 8.6
8.8 vs 8.3
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 9.3
8.8 vs 9.3
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8.8 vs 9.3
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
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8.8 vs 8.4
8.8 vs 8.0- 8.8 vs 8.0
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 to hold?+
The monthly fee is $0 and the annual fee is €0, so the card is free to run day to day. The money comes from conversion and loading: 0.2% to 2% when you convert, and 1% on debit/credit card top-up on a debit or credit card top-up.
Who regulates the Crypto.com Card?+
The card runs through Foris DAX MT Limited, a Malta-based electronic money institution, under licence C 90348. UK customers sit under a Financial Conduct Authority electronic money licence, 988571, and Australian customers under an Australian Securities and Investments Commission financial services licence, 467462.
Who holds the crypto on the account?+
The provider does. The wallet is custodial, so the balance sits with the company rather than with you holding the keys, and the wallet is a mobile app. Proof of reserves is published, which gives some comfort, but the balance is still held for you.
Can I use the card abroad and what is the conversion fee?+
Yes. It runs on the visa network and the app covers 20 currencies, with features listed as crypto, multi currency and custodial. Conversion is charged at 0.2% to 2%, so check that rate before spending in another currency.
How do I add money and take it out?+
Funding runs through card, bank and sepa, so several deposit routes are open to you. A debit or credit card top-up carries 1% on debit/credit card top-up, which makes a bank transfer or a SEPA transfer the cheaper route. Crypto withdrawals are charged at Estimated network transaction fee, per coin.
Does the card pay cashback?+
The rewards type is cashback. Paid tiers earn 0% to 5% back in CRO on everyday spending, while the free Midnight Blue tier pays no CRO rewards. The card upgrade is waived on the Midnight card.
Where can I use the Crypto.com Card?+
Licensed entities cover Europe, the UK, Australia, Singapore and Hong Kong, including an Australian Securities and Investments Commission financial services licence, 467462, and a Malta Financial Services Authority crypto registration, MiCA CASP 2549005CVR5HH70FDO07. Fee pages are published for users with a residential address in Europe.
Sources
- coingecko.com/en/exchanges/crypto_com checked September 26, 2026
Backs: Coins listed, Founded, Coins supported, 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 checked September 26, 2026
Backs: Wallet type
“Choose your access Get started on mobile or through the browser extension”
- crypto.com/cards checked September 26, 2026
Backs: Annual fee, Cashback rate, Pricing model, Rewards rate, Rewards type
“Midnight Blue - Subscription fee / Lockup: Free”
- 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: Price, Withdrawal fee
“Crypto Into Crypto Wallet 0.00%”
- 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%”
- help.crypto.com/en/articles/5977463-crypto-com-visa-card-... checked September 26, 2026
Backs: Perks
“Free ATM limit (Monthly) Midnight Card EUR 200; Card Upgrade: Waived; Physical Card Issuance: Midnight EUR 4.99”
Compiled from 13 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.
Crypto.com Card
Spending a crypto balance from a prepaid Visa card with no monthly charge.