1inch Debit Card Review 2026
Reviewed by Mihail B. in · how we verify
Algorithmic score, not user reviews: how it is calculated
Closed to new applicants since . Cards you can still get
Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | No FX margin is published: the issuer terms say a margin applies and point to the fee page, which lists noneThe fine print
|
| ATM limit | €8000/day; requires verification above €10000 |
| Spending limit | €8,000 |
Features
- Cashback: 1%
The fine print
- … in BTC or USDT, or 2% in BXX, on total card spend
- You pick the reward asset in the loyalty programme and claim it in the app
- With the 2% card spend fee, the BTC or USDT options net about minus 1% and BXX nets about zero
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: 1INCH, USDT, BTC, LTC, XRP, BXX (USDC/EURT no longer listed)
- Available countries: United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany…
Full list
… Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Who issues the 1inch Debit Card
The 1inch Debit Card is issued by Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania). The issuer is named in the source linked below.
All cards issued by Monavate Limited + UAB Monavate · Why the issuer matters
Pros and cons before it closed
Pros
- 1% cashback in BTC or USDT (2% in BXX)
The fine print
- Cryptodraft credit line against BTC or ETH with the first 10% interest-free
- No issuance or annual fee
- Bank transfer deposits in EUR and GBP are free
Cons
- 2% card spend fee on every purchase
The fine print
- 1.75% fee on in-app crypto-to-fiat conversions
- 3.49% fee to withdraw by bank transfer
- UK and EEA only, not available in the US
Regional availability
Was available in UK and EEA
The 1inch Debit Card was available in UK and EEA: United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland and 16 more.
Banking and fiat rails
Card overview
The 1inch Card is closed to new sign-ups: its FAQ says the programme is being discontinued, and holders have until 18 December 2026 to move their balance out. What follows is how it ran. Every purchase on the 1inch Card carries a 2% card spend fee, so the 1% BTC or USDT cashback options net about minus 1%. Only the 2% option can break even, and it pays in BXX, the platform token.
A separate 1.75% fee applies to in-app crypto-to-fiat conversions, and the fee sheet does not say whether it also hits a card purchase. The card itself is a UK and EEA Mastercard on Crypto Life (Baanx) rails, free to issue, with an 8,000 EUR daily limit. EUR and GBP bank transfers in are free and out cost 3.49%, but no personal IBAN or SWIFT is named. Top-ups cover 1INCH, USDT, BTC, LTC, XRP and BXX.
The interesting feature is Cryptodraft, a credit line against BTC or ETH with the first 10% interest-free. Cashback hunters can skip it. The fee stack eats the reward before it reaches you.
