Tap Card Review 2026
Last updated: by the
Last updated: by the
Tap Card stands out in the European crypto card market with industry-leading cashback reaching up to 8% in native XTP tokens based on your holdings—significantly higher than competitors' 4% average. Supporting 45+ cryptocurrencies with generous €1,500 daily ATM withdrawals (completely fee-free) and €15,000 spending limits, Tap delivers premium utility for crypto holders. Entry-level users with minimal holdings earn 0.5% cashback capped at €150 monthly, while Prestige tier (€25,000 XTP staked) unlocks 8% rewards with reduced conversion (0.25%) and FX fees (0.25%). Perfect for European crypto enthusiasts willing to stake XTP for exceptional returns, though note that Apple Pay is unavailable and conversion costs are higher than some competitors at base tier.
This is a Mastercard crypto card. It offers cashback rewards. Available in Europe.
| Issuance Fee | £12.99 (physical card) |
|---|---|
| Annual Fee | Free |
| FX Fee | 1.99% FX fee |
| ATM Limit | €1500/day, no ATM fees |
| Spending Limit | €15000/day |
The Tap Card allows you to top up and spend using 4 supported digital assets. Your crypto is automatically converted to local fiat at the point of sale.
The Tap Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With 0.5-8% in XTP tokens (tiered by XTP holdings) cashback on eligible purchases, the Tap Card rewards active spenders who use the card as their daily driver.
The card is currently available in 40+ European countries — ideal for residents and frequent travellers in those areas.
Compare the Tap Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Getting started with the Tap Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Tap 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.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Tap processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using 45+ cryptocurrencies including BTC, ETH, USDT, USDC via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Tap Card is available immediately in the Tap app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available Across the EEA
The Tap 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:
