Cryptomus Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get Cryptomus CardCard Overview
Start with the compliance fact. 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. Loading runs a 3.2% conversion fee. Zero cashback. Funding accepts USDT, USDC plus BTC, ETH, SOL and others across ERC20, TRC20, and BEP20. 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.
Cryptomus Card is a virtual prepaid card (Visa or Mastercard) funded by USDT and USDC from your Cryptomus wallet. Issue up to 10 simultaneous cards with Apple Pay and Google Pay support. Available globally in EUR and USD denominations. Note: Cryptomus parent entity received a significant FINTRAC fine in 2025.
This is a Visa crypto card. This is a Mastercard crypto card.
Fees & Limits
| Issuance Fee | $4 |
|---|---|
| Annual Fee | Not disclosed |
| FX Fee | 3.2% conversion fee on loading |
| ATM Limit | Not available (virtual card only) |
| Spending Limit | Not disclosed |
These figures can change. Confirm the current fees, FX and network in Cryptomus’s official terms before you apply.
Features
- Card Type: Virtual only
- Top up with: USDT, USDC from Cryptomus Personal Wallet only
- Available Countries: Global (EUR/USD denominated; subject to compliance restrictions)
Banking & Fiat Rails
None (virtual prepaid only)
Supported Cryptocurrencies
You can load the Cryptomus Card with crypto; the 2 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Stablecoin top-ups (USDT, USDC) plus BTC, ETH, SOL and other coins from Cryptomus wallet across supported networks (ERC20, TRC20, BEP20)
Who Is the Cryptomus Card Best For?
The Cryptomus Card is a good fit for holders who want their balance to keep earning while it sits on the card.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in Global, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
Avoid if
- You want a card that earns cashback
- You need full non-custodial control of your funds
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Cryptomus Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Choose between Visa or Mastercard; Apple Pay + Google Pay; up to 10 simultaneous virtual cards
- Works wherever Visa is accepted worldwide
- Available in most countries
- Virtual card ready right away, no shipping wait
Cons
- Virtual only; 3.2% loading fee; USDT/USDC only; FINTRAC fined CAD $176.9M in 2025 for compliance violations
- Does not offer cashback or rewards
- Card issuance fee: $4
- Annual fee: Not disclosed
- Custodial: the issuer holds your funds
- Full KYC required, no anonymous tier
How to Get the Cryptomus Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Cryptomus account
A few minutesGo to the Cryptomus website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerCryptomus 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 USDT, USDC from Cryptomus Personal Wallet only through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Cryptomus Card shows up in the Cryptomus app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Worldwide
The Cryptomus Card is available in most countries. Some places may be excluded because of local financial regulations, so check the Cryptomus website to confirm before you apply.
Common questions about the Cryptomus Card
What are the fees for the Cryptomus Card?
Where is the Cryptomus Card available?
What cryptocurrencies does the Cryptomus Card support?
What are the Cryptomus Card's ATM and spending limits?
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