Crypterium Card
- Supports countries that are usually unlucky when it comes to crypto cards
- Monthly fee of 2.99 EUR (but returned if the monthly load is greater than 299 EUR)
- No cashback rewards
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 2.99 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~3.75% |
| Cashback | None |
| Daily Spending Limit | 5,000 EUR |
| Daily ATM Withdrawal Limit | 500 EUR |
| Foreign Exchange Fee | 2.5% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | ArgentinaArmeniaAustraliaAustriaBelgiumBulgariaCanadaChileChinaColombiaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGeorgiaGermanyGreeceHong KongHungaryIcelandIndonesiaIrelandIsraelItalyJapanKyrgyzstanLatviaLiechtensteinLithuaniaLuxembourgMacedoniaMaltaMoldovaMongoliaMontenegroNetherlandsNorwayParaguayPolandPortugalRomaniaSaudi ArabiaSingaporeSlovakiaSloveniaSouth AfricaSouth KoreaSpainSwedenSwitzerlandTaiwanUnited Kingdom |
| Supported Cryptocurrencies | ALGOAVAXBATBCHBNBBTCCHODAIDASHDOGEETHEURSEVERGALALINK |
Crypterium Card Benefits and Rewards
Crypterium card does not offer cashback rewards or any other incentives for using the card.
Crypterium Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- LT
IBAN Bank Account- in your name
Crypterium Card is a prepaid card carrying its own balance, and you'll need to top it up before use. Alongside, Choise offers you a personal bank account. You'll receive a Lithuania-based IBAN bank account number issued in your name.
Useful:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Choise, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges or receive salary payments.
It's Issued Solely in Virtual Form, Lacking a Physical Version
Crypterium Card is available solely in virtual format, unlike 40% 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 Crypterium Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
Crypto-to-EUR Conversion Cost with Crypterium Card
Crypterium Card Requires Pre-Load
Before you can use your Crypterium Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to EUR and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | ~1.25% |
| Load Fee | 2% |
| Transaction Fee | 0.25 EUR (~0.5% on 50 EUR spend) |
| Total Crypto to EUR Cost | ~3.75% |
High Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Crypterium Card will cost you more (~3.75%). This means that you will get less EUR for your crypto when using this card.
From all crypto cards we reviewed, WhiteBIT Card, Holyheld Card and Crypto.com 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 Crypterium Card Compare to Other Crypto Cards?
Crypterium Card ranks #43 out of 48 amongst all the crypto cards we have reviewed so far. This means it's one of the bottom 20%. But don't rush to judge, our rating is based on company strength, fee structure and customer service - if this card supports your country while others don't, or you use their other services, this card may still be a good choice for you.
Strongest Features Against Competitors
Here are the strongest features of Crypterium Card against its 38 competitors:
- Offers Apple Pay (while 40% of competing crypto cards don't).
- Supports 31 cryptocurrencies (while other cards support an average of 20).
- Their customer service is very good with a 8.1/10 score (others score only 6.8/10 on average).
Weakest Features Against Competitors
Compared to its 38 competitors, here are the shortcomings of Crypterium Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Daily spend is capped at 5,000 EUR (while other cards offer 12,500 EUR daily spend limit on average).
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
- Only available in virtual format (while 40% of competing crypto cards offer both physical and virtual cards).
- 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 ~3.75% (versus an average of ~1.8% with other cards.)
- Their fee structure is not so budget-friendly, with a score of 2.2/10 (average fee structure rating amongst other cards is 6.1/10).
Crypterium Card vs. Embily Card vs. Nexo Card
Crypterium Card
|
Embily Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 2.99 EUR | 2.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~3.75% | ~2.5% | ~0.75% |
| Highest Cashback | None | None | up to 2% |
| Entry-Level Cashback | None | None | 0.5% |
| Daily Spending Limit | 5,000 EUR | 2,500 EUR | 10,000 EUR |
| Daily ATM Limit | 500 EUR | 500 EUR | 2,000 EUR |
| Foreign Exchange Fee | 2.5% | 1.5% | 0.5% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 31 | 7 | 63 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Company Strength | Medium | Weak | 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 Crypterium Card and Embily 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, Nexo Card offers the best cashback rewards of up to 2%. With Crypterium Card and Embily 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.
We Tested Choise's Customer Support
We asked Choise'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.
Choise offers support via the following channels:
| Chat | https://choise.com |
| support@choise.com |
Location: Choise customer service reps are located in 
Russia.¹
| Support Channel | Our Interaction | Score |
Email (replied in 2 h 55 min) | Replied the same day, added additional info about the extra fee. Concise and to the point. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Chat (replied in 1 min) | Replied in 1 min. Knowledgeable, looked up the account and provided additional information. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Email (replied in 2 h 8 min) | Concise but to the point reply to a question about ATM withdrawal limits, quickly answered a follow up question. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Chat (replied in 2 min) | Concise answer to a question about IBAN account. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Email (replied in 45 min) | It took a few days for them to pass from one agent to another, when BTC to SHIB swap wouldn't work. It was not a quick fix. | Low Competence Somewhat Personalized Flawless English, Professional Tone 5/10 |
To summarize,
Competence and Problem-Solving: More often than not, Choise's customer service responses are highly competent, proving they're a company that takes your questions seriously.
Customer Love: Their responses will be personalized when they need to look up specific information from your account, although they may not always address you by name.
Reply Speed: Response times are inconsistent but relatively fast, ranging from as quick as 1 minute to as slow as 3 hours.
Overall Customer Service Rating: 8.1/10
With this score, Choise's Customer Service is mediocre, comparable to the 7.5/10 average of other crypto card companies.
Is Crypterium Card Available for Residents of United States?
No, Crypterium Card is not available for residents of United States.
Crypterium Card supports the following countries: Argentina, Armenia, Australia, Austria, Belgium, Bulgaria, Canada, Chile, China, Colombia, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Israel, Italy, Japan, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Mongolia, Montenegro, Netherlands, Norway, Paraguay, Poland, Portugal, Romania, Saudi Arabia, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, United Kingdom.
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.
Solid Info. 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.
