1inch Debit Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
Run the fee math before the cashback tempts you. Every purchase on the 1inch Card carries a 2% card spend fee, and converting crypto manually costs another 1.75%, so the 1% BTC or USDT cashback options are net-negative by our data. Only the 2% option can break even, and it pays in BXX, the platform token. The card itself is a UK and EEA Mastercard on Crypto Life (Baanx) rails, free to issue, with IBAN, SEPA and SWIFT through the linked account and an 8,000 EUR daily limit. Top-ups cover 1INCH, USDT, BTC, LTC, XRP and BXX. The genuinely interesting feature is CryptoDraft, interest-free crypto credit up to 10% LTV. Cashback hunters can skip it. The fee stack eats the reward before it reaches you.
The 1inch Card is a Mastercard that spends from a custodial balance you top up from your 1inch or Crypto Life wallet. Earn 1% cashback in BTC or USDT on every transaction. Note: a 2% card spend fee applies to all purchases despite the marketed 0% FX fee. Access interest-free credit through CryptoDraft. Available in UK and EEA only.
This is a Mastercard crypto card. It offers cashback rewards. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | 0% FX fee; 1.75% crypto-to-fiat conversion fee per transaction |
| ATM Limit | €8000/day; requires verification above €10000 |
| Spending Limit | €8,000 |
These figures can change. Confirm the current fees, FX and network in 1inch’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: 1INCH, USDT, BTC, LTC, XRP, BXX (per 1inch.com/card; USDC/EURT no longer listed)
- Available Countries: United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Banking & Fiat Rails
IBAN: Yes; SEPA: Yes; SWIFT: Yes (via Crypto Life account rails)
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 verbatim in the card documentation.
All cards issued by Monavate Limited + UAB Monavate · Why the issuer matters
Supported Cryptocurrencies
You can load the 1inch Debit Card with crypto; the 5 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Crypto top-up via 1inch/CL wallet; supports 1INCH, USDT, BTC, LTC, XRP, BXX (multi-chain via 1inch ecosystem)
Who Is the 1inch Debit Card Best For?
The 1inch Debit Card is a good fit for active spenders who treat the rewards rate as the main reason to pick a card.
The 1inch Debit Card pays 2% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in UK and EEA only, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 2% cashback
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
- Budget-minded users (no issuance or annual fee)
Avoid if
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the 1inch Debit Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- 1% cashback in BTC/USDT; interest-free crypto credit; 0% FX fee
- No card issuance fee
- No annual maintenance fee
- Works wherever Mastercard is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
Cons
- 2% card spend fee on every purchase; 1.75% manual conversion fee; UK/EEA only
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the 1inch Debit Card
Here is what the sign-up process looks like, from application to first purchase.
Create a 1inch account
A few minutesGo to the 1inch website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuer1inch runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with 1INCH, USDT, BTC, LTC, XRP, BXX (per 1inch.com/card; USDC/EURT no longer listed) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual 1inch Debit Card shows up in the 1inch app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The 1inch Debit Card covers the EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Common questions about the 1inch Debit Card
What are the fees for the 1inch Debit Card?
How does the 1inch Debit Card cashback work?
Where is the 1inch Debit Card available?
What cryptocurrencies does the 1inch Debit Card support?
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