Crypto.com Card [EU]

#8 (out of 35) in Crypto Cards
#7 (out of 25) in Crypto Cards for Europe
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7.4
Overall Rating
CRITERIA:
Company Strength
9
Fee Structure
9.2
Customer Service
4
PROS:
  • Nice extras with higher Tier cards - Spotify, Netflix, Amazon Prime, and more
  • 200-1,000 EUR free ATM withdrawal per month
CONS:
  • Higher Tier cards with higher rewards require CRO token staking
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR£ GBP
Apple PayEnabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

5.00 EUR

Foreign Exchange Fee

2%

Crypto to Fiat Crypto->Fiat Conversion Fee

0.085%

Highest Cashback

up to 5%

Entry-Level Cashback

1%

Entry-Level Cashback Monthly Cap

20 EUR

Daily Spending Limit

25,000 EUR

Daily ATM Withdrawal Limit

2,000 EUR

Crypto to Fiat Conversion

Manual when Preloading

Supported CountriesShow All
Supported CryptocurrenciesShow All (22)

Crypto.com Card Benefits and Rewards – for Europe

Here are the benefits and rewards offered by Crypto.com for their EU-based cardholders:

Obsidian

Rose & White

Jade & Indigo

Ruby Steel

Midnight

 EUR Lockup Required €350,000 €35,000 €3,500 €350
Cashback Rewards 5% 3% 2% 1%
Spotify
Netflix
Priority Pass™ Airport Lounge Access (see lounge list)
Amazon Prime
Crypto.com Private Membership
2% Extra Interest on Crypto Earn
Airbnb
Private Jet Service

Priority Pass™ Airport Lounge Access offers access to a wide selection of airport lounges.

Not all cashback % is unlimited. The Royal Indigo & Jade Green cards offer 2% cashback reward with a cap of €45 EUR per month and the Ruby Steel card offers a 1% cashback reward capped at 20 EUR per month. The Obsidian and Frosted Rose Gold & Icy White cards don’t have any limit on their 5% and 3% cashback rewards respectively. 

The Airbnb reward that is offered to Obsidian card holders gives 10% back for each purchase on Airbnb with a monthly €90 EUR limit.

Cashback rewards are paid in CRO Token to your Crypto.com Wallet App.

What Does Crypto.com Private Membership (VIP) Offer?

  1. Access to Crypto.com’s self-published research reports, like these.
  2. Assistance with estate handling related to Crypto.com assets. Estate handling refers to the process of managing and distributing a deceased person’s Crypto.com assets.
  3. Tickets to top crypto industry events.
  4. Extra 2% bonus interest on Crypto Earn.
  5. Preferential rates for trading large amounts of CRO.
  6. Priority customer support.

Reality Check While Crypto.com Card promotes up to 5% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 1% cashback, capped at 20 EUR per month.

Are other cards more generous at base tier? In fact, Crypto.com Card is on par with industry averages:

Crypto.com CardIndustry Average1
Entry Level Cashback1%1%
Entry Level Cashback Monthly Cap20 EUR20 EUR

Crypto.com Card is a Debit Card

Before you can use your Crypto.com 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 Comes in Both Physical and Virtual Forms

You can get Crypto.com Card in both physical and virtual versions, a feature only available with 50% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.

Wondering about the perks of each card type? Here are some highlights:

Physical Card
Virtual Card
ATM WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet Lower Spend Limits

You will find the physical Crypto.com Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

How Does Crypto.com Card Compare to Other Crypto Cards?

Crypto.com Card ranks #7 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 Crypto.com Card [EU], since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Crypto.com Card against its 24 competitors :

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • Offers a generous 25,000 EUR daily spend limit (other cards offer 11,000 EUR limit on average).
  • Provides a substantial ATM widthdrawal allowance of 2,000 EUR per day (average amongst other cards is only 1,000 EUR).
  • Solid company with a 9/10 company strength score (the average for all competing cards is 7/10).
  • You can get both a physical card and a second virtual card (while 50% of competing crypto cards offer only one type - either physical or just virtual).
  • Their overall fee structure is incredibly budget-friendly, with a score of 9.2/10 (average fee structure rating amongst other cards is 5.5/10).
  • Available for residents of United States.

Weakest Features Against Competitors

Compared to its 24 competitors, here are the shortcomings of Crypto.com Card:

  • Their customer service is poor with a 4/10 score (competitors score 7.1/10 on average).
  • Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
  • Crypto.com Card [EU] vs. Bitpanda Card vs. Nexo Card

    Crypto.com Card
    Bitpanda Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
    Foreign Exchange Fee 2% 2.5% 0.5%
    Crypto to Fiat Fee 0.085% 1.49% 0.0%
    Highest Cashback up to 5% up to 2% up to 2%
    Entry-Level Cashback 1% 0% 0.5%
    Daily Spending Limit 25,000 EUR 10,000 EUR 10,000 EUR
    Daily ATM Limit 2,000 EUR 350 EUR 2,000 EUR
    Availability for United States flagUnited States
    Supported Cryptocurrencies 22 245 64
    Apple Pay Enabled Enabled Enabled
    Customer Service Average 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. Crypto.com Card offers the highest daily spending limit of 25,000 EUR. You will get lower daily limits with Bitpanda 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, Crypto.com Card offers the best cashback rewards of up to 5%. The cashback rewards for Bitpanda Card and Nexo Card are not as high.

    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.

Crypto.com 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 Crypto.com Card:

You're at a local ATM and have:
0.0662 ETH (200 EUR)
-0.17 EUR
Crypto.com Crypto-to-Fiat Conversion Fee: 0.085%
-4 EUR
Crypto.com ATM Withdrawal Fee: 2%
-3 EUR
ATM Operator Fee: ~3 EUR
192.83 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Crypto.com Card will cost you a total of ~7.17 EUR (3.6% of 200 EUR), resulting in a final cash withdrawal of 192.83 EUR in hand.

Doesn't Crypto.com Card Offer Free ATM Withdrawals?

Yes, Crypto.com offers free ATM withdrawals for up to 200 EUR per month, in line with the average limit of 200 EUR offered by other cards.

When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 200 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 4 EUR, reducing your local ATM withdrawal cost to around 3.17 EUR, compared to the standard cost of approximately 7.17 EUR.

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 Crypto.com Card, here's what it will look like:

You're at an international ATM and have:
0.0662 ETH (200 EUR)
-0.17 EUR
Crypto.com Crypto-to-Fiat Conversion Fee: 0.085%
-4 EUR
Crypto.com Intl ATM Withdrawal Fee: 2%
-4 EUR
Crypto.com Foreign Exchange Fee: 2%
-2 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-4 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 182.66 EUR)

For an international withdrawal using your Crypto.com Card with an initial 200 EUR in ETH, you'll incur fees totaling ~17.17 EUR (8.6% of 200 EUR), leaving you with 182.66 EUR in the equivalent foreign currency.

Reality CheckOverall, Crypto.com Card is slightly cheaper than other cards for local ATM withdrawals and equivalent to the average for international ATM withdrawals:

Cost with Crypto.com 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~17.2 EUR (8.6% 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.

Crypto.com Referral Code - to Get 25 USD Bonus

You can use referral code hsncrhk2nk to get 25 USD bonus when you create an account on Crypto.com platform.

Here's how you can enter the referral code:

Crypto.com referral code

p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗

Is Crypto.com Card Available for Residents of United States?

Yes, Crypto.com Card is available for residents of United States.

Crypto.com Card [EU] supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom. Crypto.com Card [USA] supports: United States. Crypto.com Card [Canada] supports: Canada.

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.

Perfect. 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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