Keytom 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
Keytom is a Visa card wired to a crypto account you hold on their platform, not in your own wallet: BTC, ETH, USDC and others sit there, you top up from that balance, and spend at any Visa merchant up to $150,000 per transaction. The catch you will not spot on the marketing page is a flat 10 USDC monthly account fee. Nothing here earns it back. There is no cashback, and the FX markup runs 1% on USD purchases but 2.35% on anything else, each with a 0.66 USDC minimum. ATM use adds 2% (USD) or 3.35% (non-USD) on top of $3,000/day and $10,000/month caps. The virtual card is free; the physical one costs 50 USDC. Holdings stay on-platform, not self-custody, and Keytom self-reports a $100M insurance program (Fireblocks, Marsh, Munich Re); KYC is mandatory. You get a named EUR IBAN and coverage in 150+ countries. The operator, KEYTOM SERVICES LTD, states it is registered as a Canada FINTRAC MSB and says it does not actively market crypto services in the EU. Read the fee print first. If you spend mostly in USD, the 1% rate applies and the high limit plus IBAN can justify the monthly charge. Best fit: high-spend users and businesses wanting one account that holds crypto behind a big-ticket Visa and a EUR IBAN, spending mainly in dollars. Wrong card if you are a low-spender, want cashback, live in the EU, or need self-custody.
This is a Visa crypto card.
Fees & Limits
| Issuance Fee | $10 |
|---|---|
| Annual Fee | Not disclosed |
| FX Fee | 1.35% |
| ATM Limit | Not available (virtual card only) |
| Spending Limit | $150,000/day |
These figures can change. Confirm the current fees, FX and network in Keytom’s official terms before you apply.
Features
- Card Type: Virtual only
- Top up with: USDC, EUR, BTC, ETH
- Available Countries: Hong Kong
Banking & Fiat Rails
IBAN yes (named personal EUR IBAN); SEPA yes; no SWIFT mentioned
Who issues the Keytom Card
Our issuer directory has no verified entry for the Keytom Card yet, so the bank behind it is not confirmed here even where the card's own terms name one. Around a quarter of the cards we track 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 Keytom Card with crypto; the 3 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: BTC, ETH, USDC, XRP, TON and 10+ assets deposited into Keytom wallet, converted to EUR for card
Who Is the Keytom Card Best For?
The Keytom Card is a good fit for crypto holders who want a simple way to spend their coins without managing wallets by hand.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in Hong Kong, 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 want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Keytom Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- $150,000 daily limit; EUR IBAN; 180+ countries; card BIN classified as credit (enables rentals); crypto insured up to $100M via Fireblocks
- Works wherever Visa is accepted worldwide
- Virtual card ready right away, no shipping wait
Cons
- Virtual only; $10 issuance; 1.35% FX; no cashback; referral program ended Feb 2026
- Card issuance fee: $10
- Annual fee: Not disclosed
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Keytom Card
Here is what the sign-up process looks like, from application to first purchase.
Create your Keytom account
A few minutesGo to the Keytom website or download the app.
Complete identity verification
Varies by issuerKeytom 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 USDC, EUR, BTC, ETH through the funding screen.
Start spending immediately
InstantYour virtual Keytom Card shows up in the Keytom 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 Hong Kong
The Keytom Card is currently available in Hong Kong. Some countries may be excluded, so confirm on the issuer's website before applying.
Common questions about the Keytom Card
What are the fees for the Keytom Card?
Is the Keytom Card legit, and who is behind it?
Is the Keytom Card worth it?
Where is the Keytom Card available?
What cryptocurrencies does the Keytom Card support?
What are the Keytom Card's ATM and spending limits?
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