Coinbase Card [EU]

#5 (out of 35) in Crypto Cards
#4 (out of 25) in Crypto Cards for Europe
Add to compare
7.8
Overall Rating
CRITERIA:
Company Strength
10
Fee Structure
5.4
Customer Service
7.9
PROS:
  • Strong, high-authority company
  • Popular card
CONS:
  • No Apple Pay for EU
  • Does not have 3D security feature
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayNot Enabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Foreign Exchange Fee

2.49%

Crypto to Fiat Crypto->Fiat Conversion Fee

0.61%

Cashback

None

Daily Spending Limit

2,500 EUR

Daily ATM Withdrawal Limit

1,000 EUR

Crypto to Fiat Conversion

Manual when Preloading

Supported CountriesShow All
Supported CryptocurrenciesShow All (232)
Bring your crypto into everyday life with the Coinbase Card for Europe.

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

Before you can use your Coinbase Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to real-life currency and moving it to the card account, to make it available for spending.

It's Offered in Physical Form, Without an Instant Virtual Equivalent

Coinbase Card is available solely in physical form, unlike 50% of crypto cards offering both physical and virtual versions. This means you'll have to wait for its arrival by mail after completing the KYC Identity Verification.

Wondering about the pros and cons of physical-only format? Here are some highlights:

Physical Card
No Virtual Card
ATM WithdrawalsNo Second Card Number
Required for Car Rentals, HotelsNo Instantly Available Card
Useful When Phone Dies, or no WifiCannot Separate Online Purchases for Safety
Backup Payment MethodCannot Have a 2nd Card with Lower Spend Limits

Inconvenience:Since Coinbase Card doesn't support Apple Pay, you will have to take it out of your wallet everytime you pay for something (unless you use Curve).

How Does Coinbase Card Compare to Other Crypto Cards?

Coinbase Card ranks #4 out of 25 amongst similar crypto cards. This means it's in the Top 30%.

While we have a total of 35 cards listed in our Crypto Cards category, only 24 are comparable to Coinbase Card [EU], since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Coinbase Card against its 24 competitors :

  • Supports 232 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 7/10).
  • Available for residents of United States.

Weakest Features Against Competitors

Compared to its 24 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 5%).
  • Daily spend is capped at 2,500 EUR (while other cards offer 11,000 EUR daily spend limit on average).
  • Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
  • 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).
  • Coinbase Card [EU] vs. Ledger CL Card vs. Nexo Card

    Coinbase Card
    Ledger CL Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
    Foreign Exchange Fee 2.49% 1.5% 0.5%
    Crypto to Fiat Fee 0.61% 2% 0.0%
    Highest Cashback None up to 2% up to 2%
    Entry-Level Cashback None 2% 0.5%
    Daily Spending Limit 2,500 EUR 15,000 EUR 10,000 EUR
    Daily ATM Limit 1,000 EUR 2,000 EUR 2,000 EUR
    Availability for United States flagUnited States
    Supported Cryptocurrencies 232 8 64
    Apple Pay Not Enabled Enabled Enabled
    Customer Service Great Great Great
    Company Strength Strong Strong Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Ledger CL Card offers the highest daily spending limit of 15,000 EUR. You will get lower daily limits with Coinbase 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. Both Ledger CL Card and Nexo Card offer solid cashback rewards of up to 2%. 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:

You're at a local ATM and have:
0.0662 ETH (200 EUR)
-1.22 EUR
Coinbase Crypto-to-Fiat Conversion Fee: 0.61%
-2.98 EUR
Coinbase ATM Withdrawal Fee: 1.5%
-3 EUR
ATM Operator Fee: ~3 EUR
192.8 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Coinbase Card will cost you a total of ~7.2 EUR (3.6% of 200 EUR), resulting in a final cash withdrawal of 192.8 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:

You're at an international ATM and have:
0.0662 ETH (200 EUR)
-1.22 EUR
Coinbase Crypto-to-Fiat Conversion Fee: 0.61%
-2.98 EUR
Coinbase Intl ATM Withdrawal Fee: 1.5%
-4.95 EUR
Coinbase Foreign Exchange Fee: 2.49%
-1.99 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.98 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 180.66 EUR)

For an international withdrawal using your Coinbase Card with an initial 200 EUR in ETH, you'll incur fees totaling ~18.12 EUR (9.1% of 200 EUR), leaving you with 180.66 EUR in the equivalent foreign currency.

Reality CheckOverall, Coinbase Card is slightly cheaper than other cards for local ATM withdrawals and slightly more expensive for international ATM withdrawals:

Cost with Coinbase CardCost with Other Cards
Local ATM Withdrawals~7.2 EUR (3.6% of 200 EUR)~7.6 EUR (3.8% of 200 EUR)
International ATM Withdrawals~18.2 EUR (9.1% of 200 EUR)~17.2 EUR (8.6% of 200 EUR)

From all crypto cards that we reviewed, Nexo Card, Bit2Me Card and KuCoin Card offer the cheapest local ATM withdrawals (2.5%, 2.5% and 2.7% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 7.4% 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 Formhttps://help.coinbase.com/en/contact-us

Location: Coinbase customer service reps are located in United States flagUnited States, Philippines flagPhilippines and India flagIndia.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

This excellent score places Coinbase's Customer Service well above the crypto card industry average of 7.1/10.

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 5 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Good Info. What's My Next Step?

Paulina Masson

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.

⭑cryptonoshi
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