Zypto Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Physical Premium Visa: $50 card cost including activation and shipping; Virtual Premium Visa: $10 initial load credited to the card |
|---|---|
| Annual fee | None; $0 monthly fee on both Premium cards |
| FX fee | 1.75% FX fee on non-USD transactions; $0.30 per transaction; 3% crypto conversion fee when loading |
| ATM limit | Physical Premium: $10 minimum and $250 maximum per withdrawal, up to $750 and 3 withdrawals a day, up to $22,500 and 90…The fine print
|
| Spending limit | Physical Premium: $1,000,000 a month and $175,000 per transaction, no preset load or balance limitThe fine printVirtual Premium: high limits, subject to eligibility and applicable limits |
Fees change; the current ones are in Zypto’s terms.
Features
- Welcome bonus: $5 bonus
- Cashback: ZYP rewards
The fine print
- ZYP reward points (1,000 ZYP = $1 USD) earned on activity in the Zypto App, including card spending, swaps, bill payments and single-load card purchases
- Redeemable for card loads, gift cards, mobile top-ups and bill payments
- Network: Visa Signature + Mastercard Prepaid
- KYC: Optional: a no-KYC tier is available
- Card type: Virtual + Physical
- Top up with: 100+ cryptocurrencies across multiple blockchains
- Available countries: Premium Visa: worldwide except residents of Russia, Belarus, Venezuela, Cuba, Iran, Syria, North Korea, Ukraine…
Full list
- … Turkey, Israel, Mainland China, India, Vietnam, Nepal and Iraq, and except new cardholders in Missouri, Mississippi and Tennessee since 12 March 2026
- A Mastercard option may be offered in select regions where the Premium Visa is not available
Who issues the Zypto Card
The Zypto Card is issued by Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named in the source linked below. This covers the Premium Visa: "The issuer for this card program is Third National."
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported cryptocurrencies
Pros and cons
Pros
- Physical Premium Visa allows $1,000,000 a month and $175,000 per transaction
The fine print
- $0 monthly fee on both Premium cards
- Visa Signature benefits including airport lounge access, concierge and baggage delay and loss protection
- Loads from 100+ cryptocurrencies
- Apple Pay and Google Pay
- No annual maintenance fee
- Welcome bonus: $5 bonus
- Banking rails: SEPA support
- No-KYC option with minimal verification
- Multi-chain top-up across 6+ networks
Cons
- 1.75% FX fee on non-USD spending plus $0.30 per transaction and a 3% crypto conversion fee
The fine print
- 1% ATM fee, and the Virtual Premium has no ATM access
- Premium Visa not available to residents of India, Turkey, Israel, Mainland China, Vietnam, Nepal and Iraq among others
- Prepaid custodial balance
- Rewards are ZYP points, not cashback
- Card issuance fee: Physical Premium Visa: $50 card cost including activation and shipping
Regional availability
Available worldwide
Premium Visa: worldwide except residents of Russia, Belarus, Venezuela, Cuba, Iran, Syria, North Korea, Ukraine, Turkey, Israel, Mainland China, India, Vietnam, Nepal and Iraq, and except new cardholders in Missouri, Mississippi and Tennessee since 12 March 2026; a Mastercard option may be offered in select regions where the Premium Visa is not available.
Banking and fiat rails
Card overview
Zypto's Premium Visa is a prepaid card, physical or virtual, that you load from 100+ cryptocurrencies in the Zypto App. Crypto converts to local currency when you load, not at checkout, so the balance you spend is a custodial prepaid balance, not self-custody. The "$0 monthly fee" line hides real drag: loading carries a 3% crypto conversion fee, every transaction costs $0.30, and non-USD spending adds 1.75% FX. The physical card costs $50 and the virtual card needs a $10 initial load.
Limits on the physical card are large: $175,000 per transaction and $1,000,000 a month, with ATM cash of up to $250 a withdrawal, $750 a day and $22,500 a month for a 1% fee; the virtual card has no ATM access. Both cards carry Visa Signature benefits such as airport lounge access and concierge, and both work with Apple Pay and Google Pay. Rewards are ZYP points at 1,000 ZYP to $1, not cashback.
The Premium Visa is not available to residents of 15 countries, including India, Turkey, Israel, Mainland China, Vietnam, Nepal, Iraq, Russia and Ukraine, and since 12 March 2026 not to new cardholders in Missouri, Mississippi and Tennessee; Zypto says a Mastercard option may be offered in select regions where the Premium Visa is not available.
- Best fit
- high-spend users who want to pay from crypto they already hold and value six-figure limits over cashback
- Wrong card if
- you spend small everyday amounts, where the 3% load fee plus FX quietly eats several percent
Common questions about the Zypto Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
