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Crypto linked cards review

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

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Our verdict

For crypto holders who want balances, spending and withdrawals in one app, with a monthly fee of $0 and cash withdrawals covered up to $200 a month. The trade-off is transaction pricing: conversion costs 0.2% to 2% and cashback of 0% to 5% sits on the paid tiers.

Key facts

Best for
A prepaid Visa card for crypto holders who want one wallet for balances, spending and cash withdrawals.
Monthly fee
$0 (Source, checked September 26, 2026)
Currency conversion fee
0.2% to 2% (Source, checked September 26, 2026)
Free ATM withdrawals
$200 (Source, checked September 26, 2026)
Card type
Prepaid (Source, checked September 26, 2026)
Top-up fee
1% on debit/credit card top-up (Source, checked September 26, 2026)
Cashback rate
0% (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Currencies
20 (Source, checked September 26, 2026)
Custody
Custodial (Source, checked September 26, 2026)
Legal entity
Foris DAX MT Limited (Source, checked September 26, 2026)
Headquarters
Malta (Source, checked September 26, 2026)
Founded
2019 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre, Community (Source, checked September 26, 2026)
Features
Crypto, Multi-currency, Custodial, Travel
Official website
crypto.com

Credit cards

Annual fee
€0 (Source, checked September 26, 2026)
Currency conversion fee
0.2% to 2% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
0% CRO Rewards on everyday spending on the free Midnight Blue tier, 2% to 5% on paid tiers, paid in CRO (Source, checked September 26, 2026)
Perks
Free ATM withdrawals up to EUR 200 per month (Midnight), Card upgrade waived, Physical card issuance EUR 4.99 (Midnight), EUR 25,000 monthly POS purchase and top-up limit, Inactivity fee EUR 5 per month after 12 months, rising to EUR 6 from 1 October 2026 (Source, checked September 26, 2026)
Cashback rate
0% to 5% (Source, checked September 26, 2026)
Legal entity
Foris DAX MT Limited (Source, checked September 26, 2026)
Headquarters
Malta (Source, checked September 26, 2026)
Founded
2019 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre, Community (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Crypto, Multi-currency, Custodial, Travel

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaXLinkedIn

Pros and cons

Pros

  • Nothing to pay to hold the account: the monthly fee is $0 and the annual fee is €0.
  • Cash withdrawals are covered up to $200 a month, above the comparison median of €0.
  • A custodial account holding 20 currencies, with crypto spending and travel features on the visa network at home and abroad.
  • Help runs through email, chat and phone, so phone, chat and a help centre are all available for account questions.

Cons

  • Spending in a currency you do not already hold costs 0.2% to 2% in conversion fees each time you pay.
  • Top-ups funded by debit or credit card carry 1% on debit/credit card top-up, the main cost when adding money from a bank account.
  • Everyday spending on the Midnight Blue tier earns a rewards rate of 0%, so cashback needs a paid tier.
Crypto linked cards

Ready to try Crypto linked cards?

Scored 8.8 / 10 by DebitCue.

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Who it suits

  • Crypto holders who want a prepaid visa card to spend or convert from the same app for balances and payments.
  • Travellers who want one card with 20 currencies and a $200 cash withdrawal allowance each month.
  • Readers who want phone and chat help, since support runs through email, chat and phone for account and card questions.

Who should look elsewhere

  • Skrill suits readers who expect a paid multi-currency wallet, with a monthly fee of €5 rather than nothing to pay.
  • The JMMB Moneyline and JMMB Money Transfer prepaid card, at a monthly fee of JMD 0, suits readers after a plain prepaid Visa.
  • CrediMax Cardy EX prepaid Visa, at a monthly fee of BHD 0, suits readers who want a plain prepaid card.

Fees and currency costs

Holding the card costs $0 a month, so nothing is charged for keeping the account open. Converting between currencies costs 0.2% to 2%, and that rate applies whenever you spend in a currency you do not already hold. Loading the account by debit or credit card costs 1% on debit/credit card top-up, which is the charge to watch when funding from a bank account.

How Crypto linked cards compares

Where Crypto linked cards is available

Available
Australia, Bahrain, Brazil, Canada, Hong Kong, New Zealand
Licence in Malta
Malta Financial Services Authority (Crypto-Asset Service Provider under MiCA, Foris DAX MT Limited), checked September 26, 2026
Licence in Malta
Malta Financial Services Authority (Electronic Money Institution, Foris MT Limited) (C 90348), checked September 26, 2026
Licence in United Kingdom
Financial Conduct Authority (Electronic Money Regulations 2011, ForisGFS UK Limited) (988571), checked September 26, 2026
Licence in Singapore
Monetary Authority of Singapore (Major Payment Institution Licence, Foris Asia Pte. Ltd.), checked September 26, 2026
Licence in Australia
Australian Securities and Investments Commission (Australian Financial Services Licence, Foris GFS Australia Pty Ltd) (467462), checked September 26, 2026
Licence in Hong Kong
Securities and Futures Commission (Virtual Asset Trading Platform deemed licence status), checked September 26, 2026
Licence in United States
Community Federal Savings Bank (Member FDIC) issues the card under a licence from Visa U.S.A Inc., checked September 26, 2026
Licence in Malta
Malta Financial Services Authority (MFSA) (MiCA CASP 2549005CVR5HH70FDO07), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

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

Frequently asked questions

What does the card cost to hold?+

Holding it carries no account charges: the monthly fee is $0 and the annual fee is €0. Costs sit on usage, with currency conversion and card top-ups the main ones, and this is a prepaid Visa rather than a credit card.

What does it cost to spend in another currency?+

Converting between currencies costs 0.2% to 2%. The account holds 20 currencies, so paying in one you already hold avoids the charge, and the card runs on the visa network for use abroad.

How much do ATM withdrawals cost?+

Cash withdrawals are covered up to $200 a month, above the comparison median of €0. The Free ATM withdrawals up to EUR 200 per month (Midnight), Card upgrade waived and Physical card issuance EUR 4.99 (Midnight) list sets that allowance for the Midnight card, and the visa network means the card works at cash machines abroad.

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

Top-ups funded by debit or credit card carry 1% on debit/credit card top-up, the main cost when adding money from a bank account. The balance sits with the provider under a custodial model, and card spending draws down that same balance.

Who holds the money on the account?+

The account runs on a custodial model, so the provider holds the balance rather than the account holder keeping the keys. The entity behind the card is Foris DAX MT Limited, based in Malta, and balances, cards and currencies all sit in the same app.

Who regulates the card?+

European users sit under an electronic money licence from the Malta Financial Services Authority, C 90348. UK users are covered by a Financial Conduct Authority electronic money licence, 988571, and the Australian entity holds an Australian Securities and Investments Commission licence, 467462.

Does spending earn any rewards?+

Rewards come back in the CRO token, and the Midnight Blue tier pays nothing on everyday spending, with a rewards rate of 0%. Paid tiers earn a cashback rate of 0% to 5%, so the return depends on holding a stake in the token.

What support is offered?+

Help runs through email, chat and phone, so the provider can be reached by email, chat, phone, the help centre or the community. For a card tied to a crypto app, that mix of written and live channels covers most account and card questions.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Crypto linked cards

Crypto linked cards

A prepaid Visa card for crypto holders who want one wallet for balances, spending and cash withdrawals.

8.8/10See alternatives