Cryptopay Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(1001 reviews)Independently reviewed by Mihail B. · how we verify
Get Cryptopay CardCard Overview
If you're a consumer, you can't sign up. Cryptopay has pivoted to B2B-only. The cryptopay.me/personal/card page returns 404 as of May 2026, and the platform navigation lists only "Corporate Crypto Cards" alongside the payment gateway and merchant services. The legacy consumer product was a custodial Visa Prepaid across the UK and EU. EUR 5 physical issuance. EUR 12/year annual fee. A EUR 5/month inactivity penalty (the part you'd actually feel if you bought one and forgot it in a drawer). 3% FX. Funding ran through wire transfer, debit/credit card, or manual crypto-to-EUR conversion at roughly 1.95% all-in (a ~0.95% spread plus a 1% load fee). No cashback at any tier. A personal EUR IBAN with SEPA Instant and UK FPS access was included. The B2B side of Cryptopay continues to operate, so if you run a business that needs corporate crypto cards or merchant crypto acceptance, the platform is still relevant. Best fit: corporate cardholders only.
Cryptopay Card is one of the longest-running crypto payment cards in Europe (founded 2013), offering Visa prepaid cards with support for 40 currencies including 37 cryptocurrencies. Convert crypto to EUR with a transparent fee structure and spend at any Visa merchant across the UK and EU.
This is a Visa crypto card. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | EUR 5 (physical); Free (virtual) |
|---|---|
| Annual Fee | EUR 12/year (EUR 1/month); EUR 5/month inactivity fee |
| FX Fee | 3% |
| ATM Limit | EUR 400-450/day |
| Spending Limit | EUR 30,000/transaction; EUR 8,000/day deposit |
These figures can change. Confirm the current fees, FX and network in Cryptopay’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: Wire transfer, debit card, credit card; manual crypto-to-EUR conversion (0% + ~0.95% spread + 1% load) — 40 currencies supported
- 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/SEPA yes (EUR account with SEPA Instant); UK FPS supported; no SWIFT disclosed
Supported Cryptocurrencies
You can load the Cryptopay Card with several cryptocurrencies. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: BTC, LTC, ETH, XRP, ADA, LINK plus USDT/USDC on ERC20 and TRC20
Supported assets: Wire transfer, debit card, credit card; manual crypto-to-EUR conversion (0% + ~0.95% spread + 1% load) — 40 currencies supported
Who Is the Cryptopay Card Best For?
The Cryptopay 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 UK, EU, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
Avoid if
- You want a card that earns cashback
- 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 Cryptopay Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- One of the oldest crypto card providers (est. 2013); 40 currency support; physical + virtual options
- Works wherever Visa is accepted worldwide
- Virtual card ready right away, no shipping wait
- Banking rails: IBAN / SEPA / SWIFT support
Cons
- 3% FX fee; EUR 1/month + EUR 5 inactivity fee; no cashback; no Apple Pay; UK/EU only
- Card issuance fee: EUR 5 (physical); Free (virtual)
- Annual fee: EUR 12/year (EUR 1/month); EUR 5/month inactivity fee
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Cryptopay Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Cryptopay account
A few minutesGo to the Cryptopay website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerCryptopay 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 Wire transfer, debit card, credit card; manual crypto-to-EUR conversion (0% + ~0.95% spread + 1% load) — 40 currencies supported through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Cryptopay Card shows up in the Cryptopay app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in UK, EU
The Cryptopay Card is currently available in UK, EU. Some countries may be excluded, so confirm on the issuer's website before applying.
Common questions about the Cryptopay Card
What are the fees for the Cryptopay Card?
Where is the Cryptopay Card available?
What are the Cryptopay Card's ATM and spending limits?
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