Zypto review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Zypto is a prepaid Visa card for crypto holders who want a card to spend from, and its monthly fee of $0 means no subscription to carry. Self-custody puts you in control of the balance, and travel is a stated use, so frequent flyers get the most out of it.
Key facts
- Best for
- Spending crypto on a trip, with no monthly subscription.
- Monthly fee
- $0 (Source, checked September 26, 2026)
- Currency conversion fee
- 1.75% (Source, checked September 26, 2026)
- Card type
- Prepaid (Source, checked September 26, 2026)
- Top-up fee
- 3% crypto off-ramp fee on load, plus blockchain gas fees (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Currencies
- 100 (Source, checked September 26, 2026)
- Custody
- Self custody (Source, checked September 26, 2026)
- Legal entity
- Zypto Sp.Zoo (Source, checked September 26, 2026)
- Headquarters
- Poland (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Help-centre, Community (Source, checked September 26, 2026)
- Features
- Crypto, Virtual card, Self-custody, Travel
- Official website
- zypto.com
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- TrustpilotLinkedInXyoutube.com
Pros and cons
Pros
- Self-custody means the card spends from crypto you control: self custody.
- A visa card, with a virtual card option for online spending.
- A monthly fee of $0, so holding the card costs nothing to maintain.
- Spending in 100 currencies from a single card.
Cons
- A 1.75% currency conversion fee on prepaid card spending abroad, against a site median of 1%.
- Loading the card from crypto draws an off-ramp fee on load, plus blockchain gas fees.
- Support runs on email, chat and help centre only, with no phone line listed.
Who it suits
- Crypto holders who want a card to spend from, rather than a balance sitting idle.
- Frequent travellers who want a single card covering 100 currencies.
- Anyone who prefers self-custody, since Zypto runs self custody and you hold the keys.
Who should look elsewhere
- Skrill, if a fixed monthly fee of €5 suits your budget better than a crypto card with an off-ramp on load.
- CrediMax Cardy EX prepaid Visa, whose monthly fee of BHD 0 matches Zypto's, for anyone who wants the card rather than the crypto side.
- JMMB Moneyline and JMMB Money Transfer prepaid card, which also shows a monthly fee of JMD 0 and suits a money transfer card.
How it compares on our data
Zypto ranks 1 of 419 brands on monthly fee, and the prepaid card carries no subscription. On currency conversion it sits at 150 of 259, so the picture splits. Upkeep is among the cheapest in this list, while the rate applied abroad sits well down the field, and that is the number to weigh before loading the card for a trip.
How Zypto compares
9.4 vs 9.4
9.4 vs 9.0
9.4 vs 8.9
9.4 vs 9.2
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9.4 vs 8.5
9.4 vs 8.5
9.4 vs 9.0
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9.4 vs 8.8
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9.4 vs 9.2
9.4 vs 9.0
9.4 vs 8.9
9.4 vs 8.8
9.4 vs 9.6
9.4 vs 9.2
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9.4 vs 9.1
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9.4 vs 8.8
9.4 vs 8.8- 9.4 vs 8.8
- 9.4 vs 8.8
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9.4 vs 8.0
9.4 vs 8.0
Where Zypto is available
- Available
- Everywhere except Belarus, China, Cuba, Israel, India, Iraq, Iran, North Korea, Nepal, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Zypto card cost each month?+
The prepaid card carries a monthly fee of $0, so keeping it open costs nothing in subscription terms. Money goes in on load instead, and the cost to watch there is the off-ramp fee on load plus blockchain gas fees. Spending abroad also runs through a 1.75% currency conversion fee.
What does it cost to convert currency abroad?+
Zypto charges a 1.75% currency conversion fee on card spending in another currency, above the median of 1% across the site. That makes it a costly companion to a short trip, and a better fit if you already hold the crypto you plan to spend, since loading happens in crypto.
Who holds the crypto behind the card?+
The balance sits in self custody, so you keep control of the crypto rather than handing it to a platform that holds it for you. That is the main reason to pick Zypto over a custodial prepaid card, and it also ties the card to crypto balances you already own.
What kind of card is it, and which network does it run on?+
It is a prepaid card on the visa network, so it works wherever Visa is accepted. You can also add a virtual card for online payments, which is handy for subscriptions and travel bookings that do not want a physical card number.
How do I add money to the card?+
You load the card from crypto, and that step is where the cost sits: an off-ramp fee on load plus blockchain gas fees. The monthly fee of $0 means the card can stay open without a subscription, so you can load only when you plan to spend.
How many currencies can I spend in?+
You can spend in 100 currencies from a single card, which covers most trips without swapping cards at each border. A 1.75% conversion fee still applies on purchases made outside your own currency, so the reach is broad while the rate is not the cheapest.
Which company issues the card?+
The card comes from Zypto Sp.Zoo, based in Poland. Zypto also publishes a UK risk summary alongside its card terms, so the issuing entity and the country are written down before you load any crypto. Check both against the terms that apply to you.
How do I get help if something goes wrong?+
Support runs on email, chat and help centre only, so you can email, chat, browse the help centre or check the community, but there is no phone line listed. For a card you use abroad, that means a blocked card waits on a written reply rather than a call.
Sources
- zypto.com/about checked September 26, 2026
Backs: Headquarters
“Zypto is registered in Poland”
- zypto.com/contact checked September 26, 2026
Backs: Support channels
“Live chat, email, sales or a consultation call ... support@zypto.com ... Telegram/zypto ... Reddit/r/ZyptoApp”
- zypto.com/personal/crypto-cards checked September 26, 2026
Backs: Card type, Currencies, Features, Currency conversion fee, Top-up fee, Monthly fee, Card network
“The Zypto Premium VISA Card is a prepaid card: you load it from your crypto in Zypto App before you spend, and you spend the balance you loaded.”
- zypto.com/zypto-company/card-terms-and-conditions checked September 26, 2026
Backs: Legal entity
“pursuant to your separate User Agreement between you and Zypto Sp.Zoo (the "User Terms")”
- zypto.com/zypto-company/uk-risk-summary checked September 26, 2026
Backs: Custody
“Zypto is a non-custodial wallet. You use your own keys to interact directly with blockchains”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.