Zypto review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Zypto is a prepaid Visa card for people who already hold crypto and want to spend it while keeping their own keys. Its monthly fee of $0 keeps holding costs minimal, but currency conversion at 1.75% and the charge on every load make it a weak fit for ordinary travel spending.
Key facts
- Best for
- Paying with crypto from a wallet you control, at a $0 monthly fee.
- Monthly fee
- $0↗
- Currency conversion fee
- 1.75%↗
- Card type
- Prepaid↗
- Top-up fee
- 3% crypto off-ramp fee on load, plus blockchain gas fees↗
- Card network
- Visa↗
- Currencies
- 100↗
- Custody
- Self custody↗
- Legal entity
- Zypto Sp.Zoo↗
- Headquarters
- Poland↗
- Support channels
- Email, Chat, Help-centre, Community↗
- Features
- Crypto, Virtual card, Self-custody, Travel
- Official website
- zypto.com
Crypto wallets
- Wallet type
- Mobile↗
- Price
- $0↗
- Coins supported
- 24,000↗
- Secure element
- Ntag 215, 504 bytes (Vault Key Card NFC tag)↗
- Connectivity
- NFC↗
- Backup options
- Seed↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- TrustpilotLinkedInXyoutube.com
Pros and cons
Pros
- Custody is self custody, the minority arrangement among the wallets on site.
- The card is prepaid with a monthly fee of $0, so nothing is owed for keeping it open.
- A virtual card sits alongside the physical one, so online payments need no card in hand (crypto, virtual card and self custody).
Cons
- Currency conversion is charged at 1.75%, above the 1% median for cards on site.
- Every load carries 3% crypto off-ramp fee on load, plus blockchain gas fees, so topping up adds cost the $0 monthly fee does not cover.
- Support runs on email, chat and help centre, with no phone line among the channels.
Who it suits
- People who already hold crypto and want to spend it from their own wallet rather than a platform balance.
- Travellers who want a prepaid card plus a virtual card from one account, since crypto, virtual card and self custody covers both.
- Readers who spend mostly in the currency they already hold, so the 1.75% conversion charge comes up rarely.
Who should look elsewhere
- Not bunq or Wise, since their monthly fees are also €0 and £0 and the deciding cost here is the 3% crypto off-ramp fee on load, plus blockchain gas fees.
- Not Varo Believe Secured Credit Card, a debit card, for anyone who wants spending tied to a bank balance.
How it compares on our data
Two measures frame where Zypto sits. Its monthly fee ranks 1 of 422 brands, which is as strong as this group gets. Currency conversion fee is weaker at 155 of 258. Read together, the card is cheap to keep and costlier to use, so it suits spending in a single currency.
Fees and FX
The prepaid card has a monthly fee of $0, so there is no account fee to pay for keeping it open. Currency conversion is charged at 1.75%, and travel is listed among its features, which puts that charge on the road. Loading money in is the line that costs: 3% crypto off-ramp fee on load, plus blockchain gas fees, so regular top-ups matter more than the monthly fee.
How Zypto compares
9.4 vs 9.4
9.4 vs 9.0
9.4 vs 8.9
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9.4 vs 8.0- 9.4 vs 8.0
Where Zypto is available
- Available
- Everywhere except Belarus, China, Cuba, Israel, India, Iraq, Iran, North Korea, Nepal, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold and use the card?+
The prepaid card carries a monthly fee of $0 and the wallet has a price of $0, so keeping it open costs nothing. Currency conversion is charged at 1.75%, and each load brings 3% crypto off-ramp fee on load, plus blockchain gas fees. The monthly charge is the smallest part of what you pay.
Is this a debit or prepaid card?+
It is a prepaid card on the visa network, so there is no bank balance behind it and spending draws on crypto you have loaded. Its features include a virtual card and travel use, so online payments can be made without carrying the physical card.
How many coins and currencies can I hold?+
The wallet supports 24,000 coins and works across 100 currencies, a much wider range than a single-currency card offers. Acceptance runs on visa, so the same card covers everyday spending wherever that network is taken.
Who actually holds the crypto?+
Custody is self custody, so the keys sit with you rather than a platform holding the balance. Self-custody covers 46% of the wallets on site, so choosing it means taking the less common route and the responsibility that comes with it.
How do I back up the wallet?+
Backup is by seed, so a recovery seed you write down is the safety net. Keys sit on a Ntag 215, 504 bytes (Vault Key Card NFC tag) inside a mobile wallet that connects by nfc. Lose the seed and you lose access, so keep it stored away from the phone.
How do I get help when something goes wrong?+
Support runs on email, chat and help centre, so help comes by email, chat, a help centre or the community. No phone line appears in that list, which is the one channel some cardholders miss. Keep your seed backup to hand for wallet access questions.
Who does Zypto suit?+
Zypto suits readers who already hold crypto and want a prepaid card to spend it, with crypto, virtual card and self custody covering a virtual card and travel. It suits you less if you want a plain spending balance, since conversion is charged at 1.75% and each load carries 3% crypto off-ramp fee on load, plus blockchain gas fees.
Sources
- zypto.com checked September 26, 2026
Backs: Backup options, Coins supported, Price, Wallet type
“For account-recovery situations where a seed phrase is lost, we can't restore access - that's the trade-off of true self-custody. Keep your seed phrase safe.”
- zypto.com/about checked September 26, 2026
Backs: Headquarters
“Zypto is registered in Poland”
- zypto.com/contact checked September 26, 2026
Backs: Support channels
“Live chat, email, sales or a consultation call ... support@zypto.com ... Telegram/zypto ... Reddit/r/ZyptoApp”
- zypto.com/defi-crypto-wallet-app/cold-crypto-wallet-vkc checked September 26, 2026
Backs: Connectivity, Secure element
“No. The card taps to the back of your phone over NFC. There is nothing to charge and nothing extra to carry.”
- zypto.com/personal/crypto-cards checked September 26, 2026
Backs: Card type, Currencies, Features, Currency conversion fee, Top-up fee, Monthly fee, Card network
“The Zypto Premium VISA Card is a prepaid card: you load it from your crypto in Zypto App before you spend, and you spend the balance you loaded.”
- zypto.com/zypto-company/card-terms-and-conditions checked September 26, 2026
Backs: Legal entity
“pursuant to your separate User Agreement between you and Zypto Sp.Zoo (the "User Terms")”
- zypto.com/zypto-company/uk-risk-summary checked September 26, 2026
Backs: Custody
“Zypto is a non-custodial wallet. You use your own keys to interact directly with blockchains”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.