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criptan review

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

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Our verdict

Criptan is a custodial crypto debit card built for business accounts, paying cashback of 1% on card spend. It suits companies that settle invoices from a crypto balance, and suits less anyone chasing credit history or holding their own keys in a wallet.

Key facts

Best for
Business accounts that spend a crypto balance through a Mastercard debit card with no monthly fee.
Monthly fee
€0 (Source, checked September 26, 2026)
Currency conversion fee
1.75% to 2% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Cashback rate
1% (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Custody
Custodial (Source, checked September 26, 2026)
Legal entity
CRIPTAN TRADE S.L. (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Support channels
Email, Chat, Help-centre (Source, checked September 26, 2026)
Features
Crypto, Custodial
Audience
Business
Official website
criptan.com

Apps and profiles

Get the app
Google Play
Elsewhere
TrustpilotLinkedInXt.me

Pros and cons

Pros

  • Mastercard network (mastercard) on a card built for business accounts.
  • Regulated in Spain on both fronts: a Banco de Espana payment institution licence for e-money tokens (D646) and a CNMV CASP registration (MiCA CASP 959800AZN23P7F30C189).
  • Card and crypto balance sit in one custodial account (custodial), so card spend does not need a separate wallet.

Cons

  • Currency conversion fees run 1.75% to 2% on business account spend, above the debit median of 1%.
  • Support runs on email, chat and help centre only, so there is no phone line for urgent card issues.
  • The card is aimed at business users, so personal spending is not what it is built for.
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Scored 9.1 / 10 by DebitCue.

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Who it suits

  • Businesses that pay suppliers or staff from a crypto balance.
  • Companies that want a Mastercard debit card with cashback of 1% on every payment.
  • Firms that would rather the provider held the crypto than manage a wallet themselves.

Who should look elsewhere

  • Credit builders: Chime Card is a secured credit card with a monthly fee of $0, a different product from a crypto balance.
  • Anyone converting money often: fees run 1.75% to 2% here, and Wise, at a monthly fee of £0, is the account to compare against on currency costs.

Deposit protection

Protection here comes from regulation, with the balance held in a custodial setup: Criptan holds the crypto (custodial), so the keys sit with the provider. In Spain the firm is licensed by Banco de Espana as a payment institution for e-money tokens (D646) and is registered as a CASP with the CNMV under MiCA (MiCA CASP 959800AZN23P7F30C189). Worth reading what each licence covers before holding larger balances.

The company behind it

Criptan is CRIPTAN TRADE S.L. (CRIPTAN TRADE S.L.), based in Spain (ES). The same company carries a Banco de Espana payment institution licence for e-money tokens (D646) and a CASP registration with the CNMV (MiCA CASP 959800AZN23P7F30C189). Support runs on email, chat and help centre only, so there is no phone line for urgent card problems.

How criptan compares

Where criptan is available

Licence in Spain
CNMV (Comision Nacional del Mercado de Valores) - CASP licence under MiCA (EU) 2023/1114, checked September 26, 2026
Licence in Spain
Banco de Espana - payment institution licence (e-money tokens) (D646), checked September 26, 2026
Licence in Spain
Comision Nacional del Mercado de Valores (CNMV) (MiCA CASP 959800AZN23P7F30C189), checked September 26, 2026, also valid in Spain, Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Finland, France, Croatia, Hungary, Ireland, Italy, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Frequently asked questions

What does a Criptan debit card cost each month?+

The monthly fee on a business account is €0, so keeping the account open costs nothing. Spend on the card and you earn cashback of 1%. The cost that matters more sits elsewhere: currency conversion fees run 1.75% to 2%.

What is the currency conversion fee on Criptan?+

Conversion fees run 1.75% to 2%, above the debit median of 1% in this comparison. A business that bills in euros and pays suppliers abroad pays that rate each time, so foreign currency volume matters more here than the monthly fee.

Who is the Criptan card aimed at?+

The account is aimed at business users, so companies come first rather than personal accounts. The card itself is a debit card on the Mastercard network (mastercard), and the balance it draws on is a crypto one, which makes it a tool for paying suppliers and staff.

Who holds the crypto on a Criptan account?+

Criptan holds it, and the setup is custodial (custodial). You spend from that balance with the card instead of moving crypto from a wallet you control. It keeps day to day use simple for a business, and it also means the keys sit with the provider rather than with the company.

Is Criptan regulated?+

In Spain it is licensed by Banco de Espana as a payment institution for e-money tokens (D646), and it appears on the CNMV register as a CASP under MiCA (MiCA CASP 959800AZN23P7F30C189). The company behind the card is CRIPTAN TRADE S.L. (CRIPTAN TRADE S.L.).

How do you get help from Criptan?+

Support runs on email, chat and help centre. That means a help centre for routine questions, plus email and chat for anything that needs a reply, and no phone line is listed. Businesses that need an urgent route for a blocked card should settle that before the card carries payroll or supplier runs.

Can a sole trader open a Criptan account?+

The account is built for business use, which covers a sole trader as well as a larger company. What you get is a debit Mastercard card (mastercard), a monthly fee of €0 and cashback of 1%, all spending from a custodial crypto balance (custodial).

Sources

  • esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “ae_homeMemberState=ES”

  • criptan.com checked September 26, 2026

    Backs: Custody

  • criptan.com/comisiones checked September 26, 2026

    Backs: Audience

    “Crear cuenta de empresa”

  • criptan.com/faq-criptan-card-2 checked September 26, 2026

    Backs: Card type, Cashback rate, Features, Currency conversion fee, Monthly fee, Card network

    “Comisiones de compra - Establecimientos nacionales: GRATUITO; Establecimientos internacionales zona Europa No Euro: 1,75 %; Establecimientos internacionales zona No Euro: 2 %”

  • support.criptan.com/hc/en-us/articles/41006228477329-Offi... checked September 26, 2026

    Backs: Support channels

    “Main support email atencion@criptan.com ... Contact form available within the app and in the Help Center to submit a ticket ... In-App Chat From Monday to Friday, 9:00 to 18:00 CET/CEST, we offer...”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

criptan

criptan

Business accounts that spend a crypto balance through a Mastercard debit card with no monthly fee.

9.1/10See alternatives