Card Overview
Tangem Pay Card combines hardware wallet security with everyday spending through a Visa debit card built into the Tangem cold wallet. Maintain true self-custody of 6000+ tokens while paying at any Visa merchant with NFC tap-to-pay. Earn up to 1.5% cashback in crypto with 0% FX markup across the EEA.
This is a Visa crypto card. It uses a self-custody model. It offers cashback rewards. Available in Europe.
Fees & Limits
| Issuance Fee | EUR 54.90 (includes Tangem hardware wallet) |
|---|---|
| Annual Fee | Free |
| FX Fee | 0% Tangem markup (only Visa standard rates) |
| ATM Limit | EUR 1,500/day |
| Spending Limit | EUR 10,000/day |
Core Features
- Card Type: Physical only
- Top up with: Crypto from Tangem self-custody wallet (BTC, ETH, SOL, USDT, USDC and 6000+ tokens)
- Available Countries: 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
Supported Cryptocurrencies
The Tangem Pay Card allows you to top up and spend using 5 supported digital assets. Your crypto is automatically converted to local fiat at the point of sale.
Who Is the Tangem Pay Card Best For?
The Tangem Pay Card is best suited for DeFi enthusiasts and privacy-conscious users who want to maintain control of their private keys right up to the point of purchase.
With Up to 1.5% cashback in crypto cashback on eligible purchases, the Tangem Pay Card rewards active spenders who use the card as their daily driver.
The card is currently available in Europe — ideal for residents and frequent travellers in those areas.
Best for
- Frequent spenders who want to earn Up to 1.5% cashback in crypto cashback
- DeFi users who prefer to keep self-custody of their assets
- European users within EEA countries
Avoid if
- You're a US resident — this card does not 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 Tangem Pay Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Key Strengths & Considerations
Strengths
- True self-custody with hardware wallet; 0% FX markup; 1.5% crypto cashback; 6000+ tokens supported; NFC tap-to-pay
- No annual maintenance fee
- Accepted at 80 million+ Visa merchants worldwide
- Self-custody — control your private keys until the point of purchase
- Wide coverage across the European Economic Area
Considerations
- EUR 54.90 upfront for hardware wallet; Europe only; physical card required (no virtual option)
- Card issuance fee: EUR 54.90 (includes Tangem hardware wallet)
- Limited to certain regions — not globally available
- KYC identity verification required to activate
How to Get the Tangem Pay Card
Getting started with the Tangem Pay Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Create a Tangem Pay account
~5 minutesVisit the official Tangem Pay website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Complete KYC verification
1–3 business daysSubmit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Tangem Pay processes applications in line with AML and KYC regulations.
Fund your card
Usually instantOnce verified, top up your card balance using Crypto from Tangem self-custody wallet (BTC, ETH, SOL, USDT, USDC and 6000+ tokens) via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Receive and activate your card
5–10 business daysYour physical Tangem Pay Card will be shipped to your registered address and typically arrives within 5–10 business days. Activate it directly through the Tangem Pay app.
Requirements
Regional Availability
Available Across the EEA
The Tangem Pay Card is available throughout the European Economic Area — covering all 27 EU member states plus Iceland, Liechtenstein, and Norway. UK residents should verify post-Brexit availability directly with the issuer.
Key supported countries:
Frequently Asked Questions
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