CEX.IO Card
- Well-known exchange
- 190+ cryptocurrencies supported
- Auto-converts your crypto on spend
- No cashback
- Virtual-only card
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~2.25% |
| Cashback | None |
| Daily Spending Limit | 3,000 EUR |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 1% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSweden |
| Supported Cryptocurrencies | 1INCHAAVEADAAGIAIAKROALGOALTANKRANTAPEAPI3APTARARB |
Your CEX.IO Card: A virtual-only crypto card supporting 190+ cryptocurrencies with no monthly fees
CEX.IO Card Benefits and Rewards
CEX.IO card does not offer cashback rewards or any other incentives for using the card.
CEX.IO Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
CEX.IO Card differs from a traditional debit card, where the balance is linked directly to your bank account.
Instead, with CEX.IO, the card is connected to your chosen crypto coin balance on their platform. Since CEX.IO doesn't offer a bank account with this card (while some crypto cards do), it means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It's Issued Solely in Virtual Form, Lacking a Physical Version
CEX.IO Card is available solely in virtual format, unlike 30% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.
Wondering about the pros and cons of virtual-only format? Here are some highlights:
No Physical Card | Virtual Card |
|---|---|
| No ATM Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Useful:Since CEX.IO Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
The 'back' of virtual CEX.IO Card
| Card Issuer | Quicko Sp Z Oo |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 55577080 |
| Validity Period | 5 years |
| Issuing Country | Poland |
Crypto-to-EUR Conversion Cost with CEX.IO Card
CEX.IO Card Converts Your Crypto on Demand
CEX.IO Card offers instant conversion to EUR at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | ~2.25% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~2.25% |
Reality Check:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with CEX.IO Card will cost you about the same (~2.25%).
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does CEX.IO Card Compare to Other Crypto Cards?
CEX.IO Card ranks #21 out of 63 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
We compared CEX.IO Card with 42 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of CEX.IO Card against its 42 competitors:
- Supports 192 cryptocurrencies (while other cards support an average of 15).
- Solid company with a 8/10 brand authority score (the average for all competing cards is 6/10).
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
Weakest Features Against Competitors
Compared to its 42 competitors, here are the shortcomings of CEX.IO Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Daily spend is capped at 3,000 EUR (while other cards offer 25,000 EUR daily spend limit on average).
- Only available in virtual format (while 30% of competing crypto cards offer both physical and virtual cards).
CEX.IO Card vs. Plutus Card vs. Nexo Card
CEX.IO Card
|
Plutus Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 6.99 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~2.25% | ~0.5% + Gas Fees | ~0.75% |
| Highest Cashback | None | up to 9% | up to 2% |
| Entry-Level Cashback | None | 3% | 0.5% |
| Daily Spending Limit | 3,000 EUR | 500,000 EUR | 10,000 EUR |
| Daily ATM Limit | N/A (Virtual-Only Card) | 300 EUR | 2,000 EUR |
| Foreign Exchange Fee | 1% | 2.5% | 2% |
| Asset Management | Custodial | Non-Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 192 | 2 | 86 |
| Apple Pay | Enabled | Not Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Well-Known | Growing | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Plutus Card offers the highest daily spending limit of 500,000 EUR. You will get lower daily limits with CEX.IO Card and Nexo Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Plutus Card offers the best cashback rewards of up to 9%. The cashback rewards for Nexo Card are not as high. With CEX.IO Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
CEX.IO Card supports 30 countries
Is CEX.IO Card Available for Residents of United States?
No, CEX.IO Card is not available for residents of United States.
CEX.IO Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 11 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Noted. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
