Cryptomus Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
Get Cryptomus CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Fees and limits
| Issuance fee | $4 |
|---|---|
| Annual fee | No annual fee published; optional maintenance or inactivity fees may apply depending on the card type |
| FX fee | Not published; Cryptomus says transaction or conversion fees during payments may vary. Loading the card carries a separate top-up fee, listed in Cons |
| ATM limit | Not available (virtual card only) |
| Spending limit | Not disclosed |
Fees change; the current ones are in Cryptomus’s terms.
Features
- KYC: Yes
- Card type: Virtual only
- Top up with: USDT, USDC from Cryptomus Personal Wallet only
- Available countries: Most countries worldwide; Cryptomus publishes no country list and says some regions are restricted
Who issues the Cryptomus Card
Our issuer directory has no verified entry for the Cryptomus Card yet: a bank goes in only with a source we can cite. 40 of the 142 cards you can still get are in the same position. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported cryptocurrencies
You can load the Cryptomus Card with crypto; the 2 assets we track for it are listed below.
Pros and cons
Pros
- Choose between Visa or Mastercard; Apple Pay + Google Pay; up to 10 simultaneous virtual cards
Cons
- Virtual only; 3.2% loading fee; USDT/USDC only; FINTRAC fined CAD $176.9M in 2025 for compliance violations
- Card issuance fee: $4
- No IBAN or bank-account features
Regional availability
Available worldwide
The Cryptomus Card is available in most countries.
Banking and fiat rails
Card overview
In 2025, Cryptomus operator Xeltox Enterprises Ltd. was fined CAD $176.9 million by FINTRAC for compliance violations including failure to report suspicious and large virtual currency transactions. The card continues to operate, but the signal is real if counterparty risk matters to you. The product itself is a virtual prepaid card on either Visa or Mastercard (user's choice at signup), funded from USDT or USDC in a Cryptomus wallet. Issuance is $4 per card, with up to 10 simultaneous cards per account.
The platform supports many BINs across cards, which helps when geo-restrictions block one BIN at checkout. No physical card, no ATM access. This is purely an online-spending instrument. Every top-up carries a 3.2% fee, and Cryptomus publishes no FX rate, saying only that payment fees may vary.
Zero cashback. Funding is USDT or USDC from the Cryptomus wallet; other coins have to be converted in the wallet first. Apple Pay and Google Pay both work. KYC has been mandatory since 2024 (ID plus selfie).
Daily and monthly spending limits are not published in public documentation. Best fit: short-lived burner-card use cases like a single online subscription. Wrong product if you want to spend at scale or care about regulator-clean platforms.
Common questions about the Cryptomus Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
