Coinbase Card [EU]
- Strong, high-authority company
- Popular card
- No Apple Pay for EU
- Does not have 3D security feature
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Not Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~4% |
| Cashback | None |
| Daily Spending Limit | 2,500 EUR |
| Daily ATM Withdrawal Limit | 1,000 EUR |
| Foreign Exchange Fee | 2.49% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmark |
| Supported Cryptocurrencies | 1INCHAAVEABTACHACSADAAERGOAEROAGLDAIOZAKTALCXALEPHALGOALICE |
Bring your crypto into everyday life with the Coinbase Card for Europe.
Coinbase Card Rewards and Benefits – for Europe
The ability to earn rewards when spending with Coinbase Card is currently available for US users only.
Coinbase Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Coinbase Card differs from a traditional debit card, where the balance is linked directly to your bank account. Instead, with Coinbase, the card is connected to your chosen crypto coin balance on their platform.
Since Coinbase 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 Comes in Both Physical and Virtual Forms
You can get Coinbase Card in either a physical or virtual version. The virtual card is instantly available online after completing KYC Identity Verification. Applying for and activating a physical card will replace the virtual one.
Wondering about the perks of each card type? Here are some highlights:
Physical Card | Virtual Card |
|---|---|
| ATM Withdrawals | No ATM Withdrawals |
| Required for Car Rentals, Hotels | No Tangible Asset |
| Useful When Phone Dies, or no Wifi | No Apple Pay, Online Use Only |
| Backup Payment Method | Instant Availability |
Get the Physical Card:Since Coinbase Card doesn't support Apple Pay, the virtual card is only good for online shopping and subscriptions like Netflix. It is a much better choice to get the physical card, so you could use the card both online and in real life.
Crypto-to-EUR Conversion Cost with Coinbase Card
Coinbase Card Converts Your Crypto on Demand
Coinbase 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 | ~2.5% |
| Sell Spread | ~1.5% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~4% |
High Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Coinbase Card will cost you more (~4%). This means that you will get less EUR for your crypto when using this card.
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Nexo Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.75% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Coinbase Card Compare to Other Crypto Cards?
Coinbase Card ranks #9 out of 47 amongst all the crypto cards we have reviewed so far. This means it's in the Top 30%.
We compared Coinbase Card with 37 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 Coinbase Card against its 37 competitors:
- Provides a substantial ATM widthdrawal allowance of 1,000 EUR per day (average amongst other cards is only 600 EUR).
- Supports 235 cryptocurrencies (while other cards support an average of 20).
- Solid company with a 10/10 company strength 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 70% of competing crypto cards require you to preload card in advance).
- Available for residents of United States.
Weakest Features Against Competitors
Compared to its 37 competitors, here are the shortcomings of Coinbase Card:
- Apple Pay isn't enabled (while 60% of competing crypto cards have it).
- Doesn't offer any cashback (while other cards give an average of 4%).
- Daily spend is capped at 2,500 EUR (while other cards offer 9,000 EUR daily spend limit on average).
- Doesn't offer any free ATM withdrawals (in contrast to 50% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is quite high at ~4% (versus an average of ~1.8% with other cards.)
- Their fee structure is not so budget-friendly, with a score of 3.4/10 (average fee structure rating amongst other cards is 5.9/10).
Coinbase Card [EU] vs. xPortal Card vs. Nexo Card
Coinbase Card
|
xPortal Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~4% | ~1% | ~0.75% |
| Highest Cashback | None | up to 5% | up to 2% |
| Entry-Level Cashback | None | 0.2% | 0.5% |
| Daily Spending Limit | 2,500 EUR | 5,000 EUR | 10,000 EUR |
| Daily ATM Limit | 1,000 EUR | 500 EUR | 2,000 EUR |
| Foreign Exchange Fee | 2.49% | 2.5% | 0.5% |
| Asset Management | Custodial | Non-Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 235 | 2 | 63 |
| Apple Pay | Not Enabled | Not Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Company Strength | Strong | Medium | Strong |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Nexo Card offers the highest daily spending limit of 10,000 EUR. You will get lower daily limits with Coinbase Card and xPortal 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, xPortal Card offers the best cashback rewards of up to 5%. The cashback rewards for Nexo Card are not as high. With Coinbase 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.
Coinbase Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in EUR
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Coinbase Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Coinbase Card will cost you a total of ~13.88 EUR (6.9% of 200 EUR), resulting in a final cash withdrawal of 186.12 EUR in hand.
Doesn't Coinbase Card Offer Free ATM Withdrawals?
No, it doesn't. Which is a shame, because 50% of competing cards offer free ATM withdrawals, typically allowing up to 200 EUR per month without fees.
International non-EUR ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Coinbase Card, here's what it will look like:
For an international withdrawal using your Coinbase Card with an initial 200 EUR in ETH, you'll incur fees totaling ~24.42 EUR (12.2% of 200 EUR), leaving you with 167.58 EUR in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, Coinbase Card is more expensive for both local and international ATM withdrawals:
| Cost with Coinbase Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~13.8 EUR (6.9% of 200 EUR) | ~9 EUR (4.5% of 200 EUR) |
| International ATM Withdrawals | ~24.4 EUR (12.2% of 200 EUR) | ~18.4 EUR (9.2% of 200 EUR) |
From all crypto cards that we reviewed, Holyheld Card, Bit2Me Card and Nexo Card offer the cheapest local ATM withdrawals (2.5%, 2.7% and 3.2% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.
We Tested Coinbase's Customer Support
We asked Coinbase's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Coinbase offers support via the following channels:
| Web Form | https://help.coinbase.com/en/contact-us |
Location: Coinbase customer service reps are located in United States, 
Philippines and 
India.¹
| Support Channel | Our Interaction | Score |
Web Form (replied in 19 min) | Replied with a list of requirements for disputing a card transaction. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Web Form (replied in 3 d 20 h ) | Question was answered with AI-like reply at first, and only upon requesting clarification, a specialist agent stepped in. | Late Reply High Competence Highly Personalized Adequate English, Professional Tone 7.5/10 |
Web Form (replied in 5 h 43 min) | Good reply to a question of Apple Pay Availability. | High Competence Highly Personalized Adequate English, Professional Tone 9.5/10 |
Web Form (replied in 1 h 25 min) | Excellent and knowledgeable response to a question about contactless ATMs and FX Fees. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Web Form (replied in 7 h 11 min) | Didn't answer the questions asked. Seems like AI-assisted response. | Low Competence Somewhat Personalized Adequate English, Professional Tone 4.5/10 |
To summarize,
Competence and Problem-Solving: More often than not, Coinbase's customer service responses are highly competent, proving they're a company that takes your questions seriously.
Customer Love: Coinbase's support responses are personalized, addressing customers by name, but typically do not include other specific account details unless requested.
Reply Speed: Response times are inconsistent, ranging from as quick as 19 minutes to as slow as 4 days.
Overall Customer Service Rating: 7.9/10
With this score, Coinbase's Customer Service is mediocre, comparable to the 7.4/10 average of other crypto card companies.
Is Coinbase Card Available for Residents of United States?
Yes, Coinbase Card is available for residents of United States.
Coinbase Card [EU] 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, United Kingdom. Coinbase Card [USA] supports: United States.
To see our list of available crypto cards for United States, see this list. There are currently 8 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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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.
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