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The best crypto cards

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Compare crypto cards in

Europe

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Wirex

4.1 out of 5

Annual Fee : €12

ASSETS

Bitcoin, Ether, Stellar, Waves, DAI, NANO, Ripple.

FIAT CURRENCIES

USD, EUR, GBP.

Foreign Currency Fee

0%

Crypto-Fiat Conversion

0.5 - 1%

REWARDS

0.5 - 1.5%

FIAT TOP-UPS

Yes

ATM WITHDRAWALS

€2.25

AUTOMATIC CRYPTO CONVERSION

No

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Nuri

4.0 out of 5

Annual Fee : €0

PROVIDER

Nuri is a crypto wallet provider based in Germany. They offer users a bank account with integrated Bitcoin and Ethereum wallets. Using Nuri, you can convert your crypto to fiat and spend it with your Nuri debit card within minutes.

ASSETS

Bitcoin, Ether.

FIAT CURRENCIES

EUR.

Foreign Currency Fee

0%

Crypto-Fiat Conversion

1%

REWARDS

0%

FIAT TOP-UPS

Yes

ATM WITHDRAWALS

€0

AUTOMATIC CRYPTO CONVERSION

No

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Crypto.com - Blue

3.9 out of 5

Annual Fee : 0

PROVIDER

Crypto.com is a crypto wallet company based in Singapore. They have several card tiers, each offering different perks to their users. The blue card is free whereas higher tiers require users to "stake" CRO, Crypto.com's native token.

ASSETS

Bitcoin, Ether, Stellar, Ripple, Litecoin, EOS, Ethereum Tokens, Tezos, Bitcoin Cash, USDC, DAI.

FIAT CURRENCIES

USD, GBP, AUD.

Foreign Currency Fee

$2000 Free, 0.5% after

Crypto-Fiat Conversion

0%

REWARDS

1% in CRO

FIAT TOP-UPS

Yes

ATM WITHDRAWALS

$200 Free

AUTOMATIC CRYPTO CONVERSION

Yes

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Coinbase

3.4 out of 5

Annual Fee : 4.95

PROVIDER

Coinbase is perhaps the most famous company in the crypto space. They operate a crypto exchange called Coinbase Pro and the Coinbase wallet. Existing Coinbase users in the EU/UK can also get the Coinbase card. However, the card is managed in a separate app which is a bit odd and the fees are quite high.

ASSETS

Bitcoin, Ether, Stellar, Ripple, ZCash, USDC, DAI.

FIAT CURRENCIES

GBP, EUR.

Foreign Currency Fee

3%

Crypto-Fiat Conversion

2.49%

REWARDS

0%

FIAT TOP-UPS

No

ATM WITHDRAWALS

€200 Free, 1% after

AUTOMATIC CRYPTO CONVERSION

No

FAQ

Frequently asked questions

See all questions

A crypto debit card is exactly like a regular payment card, except that you have the option to load it with crypto instead of fiat. In most cases the provider offers an app that holds both crypto and fiat currencies like Euros or US Dollars. When users want to make a purchase in a store (or online ) they can convert their funds into fiat within the app and spend those funds instantly with their crypto debit card.

Crypto rewards are attractive if you use it as your primary card and start earning rewards on all your spendings. It’s important that they offer fiat top-ups by card so that you can transfer funds from your main bank account and spend your fiat instead of spending crypto. If you have to sell crypto the money you lose on the conversion might cancel out the crypto rewards.

Most crypto card providers make money when you are selling crypto. They also receive a small commission from Visa/Mastercard when a user makes a purchase in-store. Some offer it only to get better customer retention.

A crypto card makes sense if you need quick access to funds but you have a lot of your wealth in crypto. With a crypto card you can instantly make a purchase using your crypto whereas if you would withdraw the funds to your bank account it would take 2-3 days until you can spend it.

How do crypto cards work?

Many people own cryptocurrencies and would like to pay for goods and services in the real-word with their cryptocurrency. The problem is that merchants simply don’t have the infrastructure in place to accept cryptocurrency payments. What most merchants do have however, are traditional payment terminals that accept Visa and Mastercard payments. A crypto debit card is exactly like a regular payment card, except that you have the option to load it with crypto instead of fiat. In most cases the provider offers an app that holds both crypto and fiat currencies like Euros or US Dollars. When users want to make a purchase in a store (or online ) they can convert their funds into fiat within the app and spend those funds instantly with their crypto debit card. In this process, merchants don’t need to make any changes to their payment terminals. Because funds are converted before they reach the merchant, merchants continue to receive funds in Euros or Dollars, nothing changes for them. That’s how crypto debit cards bridge the gap between the legacy fiat system and the future of cryptocurrencies.

How to choose a crypto debit card
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Conversion Costs

Before you make a transaction you need to hold fiat funds which often involves selling your crypto into fiat. Make sure to choose a provider which charges a reasonable conversion fee. Anything from 0.1 - 0.5% premium on the spot exchange rate is reasonable.

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Conversion Speed

Conversion speed is the time it takes for your funds to be “spendable” after you traded crypto to fiat. In some cases you can spend your funds instantly, in others, you have to wait for up to 30 minutes for the trade to settle before you can spend, which can be inconvenient if you’re in a hurry. Some apps offer “auto-conversion”, which means you don’t have to do anything manual. The conversion happens in the background (instantly) as you put your payment card to use.

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Crypto Ownership

Most crypto card providers offer so-called custodial wallets, where you don’t have direct ownership over your funds. Instead, the provider stores your crypto for you (exactly like banks). Non-custodial wallets on the other hand, give you direct access to your funds and no one else but you with your private key can access them.

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Other Fees

It’s equally important to watch out for other fees that these providers charge. These can include monthly or yearly maintenance fees, a one-time card activation fee, ATM withdrawal fees or foreign currency exchange fees when you travel. We try to list these fees transparently so you can make the right decision.

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Currencies

In addition to holding crypto tokens some of these wallets let you hold multiple fiat currencies like Euros, Dollars, Pounds, Yens etc. This can be a cool feature while travelling or to get access to foreign currencies for investing.

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Rewards

Look out for cards that offer crypto cashbacks on every purchase made. These offers vary greatly. Some are free, others require you to “stake” a certain crypto token to be eligible for the reward. Wirex and Crypto.com for example offer a low % reward for free but require you to “stake” their own token to get the higher tiers.

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