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Crypto.com Card review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Crypto.com Card suits people who want a free everyday card and do not mind a crypto platform around it. The monthly fee is €0, so holding the card costs nothing on its own, while conversion of 0.2% to 2% is the cost to watch on foreign spend.

Key facts

Best for
A free everyday card with free ATM withdrawals and no monthly charge.
Monthly fee
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Currency conversion fee
0.2% to 2%↗
Free ATM withdrawals
€200↗
Transfer fee
1% debit or credit card top-up fee↗
Legal entity
Foris MT Limited↗
Headquarters
Malta↗
Support channels
Email, Chat, Help-centre, Community↗
Pricing model
No monthly fee
Features
Free ATM withdrawals
Official website
crypto.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaXLinkedIn

Pros and cons

Pros

  • No monthly charge to hold the card: €0
  • Free ATM withdrawals to the limit of €200
  • Balances are covered by EU DGS up to EUR 100,000, so a set limit applies
  • Help is available by email, chat and help centre rather than by phone

Cons

  • Currency conversion of 0.2% to 2% sits above the everyday account median of 0.22%
  • Debit or credit card top-ups carry 1% debit or credit card top-up fee each time money is added
  • Support runs on email, chat and help centre only, with no phone line listed
Crypto.com Card

Ready to try Crypto.com Card?

Scored 9.4 / 10 by VaultCue.

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Who it suits

  • People who want a free card for daily spending and the occasional cash withdrawal
  • Anyone already holding crypto who wants the card tied to that balance
  • Travellers who convert currency only now and then

Who should look elsewhere

  • AXI Card Tarjeta y Credito, if avoiding conversion charges matters more, at 0%
  • XTB, if a smaller conversion fee of 0.5% is the deciding factor
  • Skrill, if heavier currency use suits a higher fee of 3.99%

Fees and FX

The card carries no monthly charge, so the monthly fee is €0. The cost sits in use instead. Currency conversion runs 0.2% to 2%, wider than the everyday account median of 0.22%, which makes foreign spend the thing to watch. Adding money by debit or credit card costs 1% debit or credit card top-up fee, and that charge applies each time the balance is topped up.

The company behind it

The card is issued by Foris MT Limited, based in Malta and regulated there by the Malta Financial Services Authority. Customers reach the team through email, chat and help centre, so help is written and on chat rather than by phone. Every channel listed belongs to that same issuing entity, and the licence sits with it in Malta.

How Crypto.com Card compares

Where Crypto.com Card is available

Available
Austria, Bahrain, Belgium, Brazil, 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, United Kingdom, United States
Licence in Malta
Malta Financial Services Authority, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there a monthly fee for the Crypto.com Card?+

There is no monthly charge on the card, and the monthly fee is €0. Costs come from how the card is used, mainly currency conversion and card top-ups rather than any standing charge that runs each month.

What does it cost to spend abroad?+

Currency conversion runs 0.2% to 2% on foreign spend. That sits above the everyday account median of 0.22%, so paying in euro where possible keeps the cost down for trips and online purchases.

Are my deposits protected?+

Deposits are covered by EU DGS up to EUR 100,000, so a set limit applies to the balance held. The card is issued by Foris MT Limited in Malta, and the protection is tied to that regulated entity rather than to the card itself. Anything above the limit sits outside the cover.

Which regulator supervises the card issuer?+

The Malta Financial Services Authority supervises the issuer, Foris MT Limited, in Malta. The licence record names the regulator and the country together, so the same authority covers the entity that issues the card and holds customer deposits under EU DGS up to EUR 100,000.

Can I take out cash without a charge?+

Cash withdrawals are free to the limit of €200. Free ATM withdrawals are part of what the card offers, alongside the monthly fee of €0, which it does not charge. That makes the card workable for everyday spending that includes some cash.

What does it cost to add money to the account?+

A debit or credit card top-up carries 1% debit or credit card top-up fee, which is the first charge most people meet when they load the card. The monthly fee stays at €0, so the top-up charge is the cost to plan for before the card is used on foreign spend.

How do I reach customer support?+

Support runs on email, chat and help centre, so help arrives as chat, email, a help centre and a community rather than over the phone. The card is issued by Foris MT Limited in Malta, and those written channels are the ones attached to that entity.

Who does this card suit?+

The card suits people who want a free everyday card and already hold crypto, since the monthly fee is €0. It suits less well for frequent travel, because conversion of 0.2% to 2% applies each time a payment is made in another currency.

Sources

  • crypto.com/cards checked September 26, 2026

    Backs: Features, Headquarters, Legal entity, Pricing model, Monthly fee

    “Free ATM withdrawals: EUR 200 (per month) (Midnight Blue)”

  • crypto.com/eea/about checked September 26, 2026

    Backs: Support channels

    “Enquiries? Get in touch. General Start Chat ... Law Enforcement Inquiries ... Press (page footer also links Discord and Reddit)”

  • crypto.com/eea/licenses checked September 26, 2026

    Backs: Deposit protection, Licences

  • help.crypto.com/en/articles/5977463-crypto-com-visa-card-... checked September 26, 2026

    Backs: Free ATM withdrawals, Currency conversion fee, Transfer fee

    “Free ATM Limit (Monthly): EUR 200 (Midnight Card)”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Currencies.

Crypto.com Card

Crypto.com Card

A free everyday card with free ATM withdrawals and no monthly charge.

9.4/10See alternatives