1inch Debit Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(543 reviews)Independently reviewed by Mihail B. · how we verify
Get 1inch Debit CardCard Overview
The 1inch Card is a self-custody Mastercard that lets you spend crypto while maintaining control until the moment of purchase. 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.
Sweepbase verdict: 1inch Debit Card earns its ranking here for its 1% cashback rewards and zero upfront and ongoing fees, making it a good match for active spenders looking to earn crypto rewards on everyday purchases. The main thing to weigh is limited geographic availability.
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: BTC, ETH, LTC, XRP, 1INCH, BXX, USDT, USDC, EURT (9+)
- 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)
Supported Cryptocurrencies
You can load the 1inch Debit Card with 6 cryptocurrency tokens. 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 crypto holders who want a simple way to spend their coins without managing wallets by hand.
The 1inch Debit Card pays 2% in BXX or 1% in BTC or 1% in USDT (selected at purchase time); net return negative for BTC/USDT options after 1.75% conversion fee 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% in BXX or 1% in BTC or 1% in USDT (selected at purchase time); net return negative for BTC/USDT options after 1.75% conversion fee 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 need traditional bank integration (IBAN, SEPA, direct debits)
- 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
- Self-custody until purchase; 1% cashback in BTC/USDT; interest-free crypto credit
- 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
- Requires KYC identity verification
- 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
~5 minutesGo to the 1inch website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. 1inch verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load your card with BTC, ETH, LTC, XRP, 1INCH, BXX, USDT, USDC, EURT (9+) 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 all 27 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:
Frequently Asked Questions
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