Coinbase Card [EU]

#12 (out of 51) in Crypto Cards
#10 (out of 37) in Crypto Cards for Europe
Add to compare
7
Overall Rating
CRITERIA:
Company Strength
10
Fee Structure
3
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

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 CountriesShow All (31)
Supported Cryptocurrencies1INCHAAVEABTACHACSADAAERGOAEROAGLDAIOZAKTALCXALEPHALGOALICEAMPANKRAPEAPI3APTARBARPAASMATOMAUCTIONAURORAAVAXAVTAXLAXSBADGERBALBANDBATBCHBICOBIGTIMEBITBLURBLZBNTBOBABONKBTCBTRSTC98cbETHCELOCELRCHZCLVCOMPCOTICOVALCROCRVCTSICTXCVCCVXDAIDARDASHDESODEXTDIADIMODNTDOGEDOTDYPEGLDELAENJENSEOSERNETCETHEUROCFARMFETFIDAFILFISFLOWFLRFORTFORTHFOXFXGALGFIGHSTGLMGMTGNOGODSGRTGSTGTCGUSDGYENHBARHFTHIGHHNTHONEYHOPRICPIDEXILVIMXINDEXINJINVIOTXJASMYJTOKAVAKNCKRLKSMLCXLDOLINKLITLOKALPTLQTYLRCLSETHLTCMAGICMANAMASKMATHMATICMDTMEDIAMETISMINAMKRMLNMNDEMOBILEMPLMSOLMTLMUSENCTNEARNKNNMROCEANOGNONDOOPORCAORNOSMOOXTPAXPERPPLUPNGPOLSPONDPOWRPRIMEPROPRQPUNDIXPYRPYUSDQIQNTRADRAIRARERARIRBNREQRLCRNDRROSESANDSEAMSEISHIBSHPINGSKLSNXSOLSPASPELLSTORJSTRKSTXSUISUKUSUPERSUSHISWFTCSYNTTIATRACTRBTRUTVKUMAUNFIUNIUSDCUSDTVARAVELOVETVOXELVTHOWAMPLWAXLWBTCWCFGXCNXLMXRPXTZXYOYFIZECZENZetaZRXShow All (235)
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

  • 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 WithdrawalsNo ATM Withdrawals
Required for Car Rentals, HotelsNo Tangible Asset
Useful When Phone Dies, or no WifiNo Apple Pay, Online Use Only
Backup Payment MethodInstant 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
Crypto to Fiat Conversion Fee~2.5%
Sell Spread~1.5%
Transaction Fee
0%
Total Crypto to EUR Cost~4%
EUR

High Cost:Compared to the average ~1.7% 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 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 Coinbase Card Compare to Other Crypto Cards?

Coinbase Card ranks #12 out of 51 amongst all the crypto cards we have reviewed so far. This means it's in the Top 30%.

We compared Coinbase Card with 36 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 36 competitors:

  • Provides a substantial ATM widthdrawal allowance of 1,000 EUR per day (average amongst other cards is only 500 EUR).
  • Supports 235 cryptocurrencies (while other cards support an average of 15).
  • 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 36 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 10,500 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).
  • Cost to withdraw cash from a local ATM is high at ~6.9% (comparing to the average of ~4.5% when withdrawing with other cards.)
  • Their crypto-to-fiat conversion cost, including all related fees and spread, is quite high at ~4% (versus an average of ~1.7% with other cards.)
  • Their fee structure is not so budget-friendly, with a score of 3/10 (average fee structure rating amongst other cards is 5.9/10).
  • Coinbase Card [EU] vs. KuCoin Card vs. Nexo Card

    Coinbase Card
    KuCoin Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.83 EUR 0.00 EUR
    Crypto to Fiat Cost ~4% ~1.25% ~0.75%
    Highest Cashback None up to 3% up to 2%
    Entry-Level Cashback None 1.2% 0.5%
    Daily Spending Limit 2,500 EUR 20,000 EUR 10,000 EUR
    Daily ATM Limit 1,000 EUR 700 EUR 2,000 EUR
    Foreign Exchange Fee 2.49% 2% 0.5%
    Asset Management Custodial Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 235 6 63
    Apple Pay Not Enabled Enabled Enabled
    Customer Service Great Average 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. KuCoin Card offers the highest daily spending limit of 20,000 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. Out of the three, KuCoin Card offers the best cashback rewards of up to 3%. 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:

You're at a local ATM and have:
0.062 ETH (200 EUR)
-8 EUR
Coinbase Crypto-to-Fiat Conversion Cost: ~4%
-2.88 EUR
Coinbase ATM Withdrawal Fee: 1.5%
-3 EUR
ATM Operator Fee: ~3 EUR
186.12 EUR

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:

You're at an international ATM and have:
0.062 ETH (200 EUR)
-8 EUR
Coinbase Crypto-to-Fiat Conversion Cost: ~4%
-2.88 EUR
Coinbase Intl ATM Withdrawal Fee: 1.5%
-4.78 EUR
Coinbase Foreign Exchange Fee: 2.49%
-1.92 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.84 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 175.58 EUR)

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 175.58 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 CardCost 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)~18.2 EUR (9.1% of 200 EUR)

From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.2%, 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 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 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

With this score, Coinbase's Customer Service is mediocre, comparable to the 7.5/10 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 9 cards listed there.

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

Informative Indeed. 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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