Crypto.com Card [EU]
- Nice extras with higher Tier cards - Spotify, Netflix, Amazon Prime, and more
- 200-1,000 EUR free ATM withdrawal per month
- Higher Tier cards with higher rewards require CRO token staking
- Non-responsive customer service
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | € EUR£ GBP |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 5.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~0.75% |
| 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 |
| Foreign Exchange Fee | 2% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmark |
| Supported Cryptocurrencies | ADABTCCHZCRODAIDOGEENJETHLINKLTCMANAMATICTAUDTCADTGBP |
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?
- Access to Crypto.com’s self-published research reports, like these.
- 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.
- Tickets to top crypto industry events.
- Extra 2% bonus interest on Crypto Earn.
- Preferential rates for trading large amounts of CRO.
- 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 Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 20 EUR | 20 EUR |
Crypto.com Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Crypto.com Card is very much like a traditional prepaid card that carries its own balance, and you'll need to top it up before use. It should be noted that Crypto.com doesn't offer a bank account with this card (while some crypto cards do), which 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 Crypto.com Card in both physical and virtual versions, a feature only available with 40% 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 Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
Cost to Order: 5 EUR | Cost to Order: 0 EUR |
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.
Crypto-to-EUR Conversion Cost with Crypto.com Card
Crypto.com Card Requires Pre-Load
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 EUR and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | ~0.75% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~0.75% |
Low Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Crypto.com Card is much more cost-effective (~0.75%). This means that you will get more 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 Crypto.com Card Compare to Other Crypto Cards?
Crypto.com Card ranks #29 out of 47 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
We compared Crypto.com 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 Crypto.com Card against its 37 competitors:
- Offers Apple Pay (while 40% of competing crypto cards don't).
- Offers impressive maximum cashback of up to 5% (other cards have an average of 4%).
- Offers a generous 25,000 EUR daily spend limit (other cards offer 9,000 EUR limit on average).
- Provides a substantial ATM widthdrawal allowance of 2,000 EUR per day (average amongst other cards is only 600 EUR).
- Solid company with a 9/10 company strength score (the average for all competing cards is 6/10).
- You can get both a physical card and a second virtual card (while 60% of competing crypto cards offer only one type - either physical or just virtual).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~0.75% (versus an average of ~1.8% with other cards.)
- Their overall fee structure is incredibly budget-friendly, with a score of 9.4/10 (average fee structure rating amongst other cards is 5.9/10).
- Available for residents of United States.
Weakest Features Against Competitors
Compared to its 37 competitors, here are the shortcomings of Crypto.com Card:
- Their customer service is poor with a 0.1/10 score (competitors score 7.4/10 on average).
- Requires preconversion of crypto to load the card (while 30% of competitors auto-convert on every purchase).
Crypto.com Card [EU] vs. Cryptopay Card vs. Nexo Card
Crypto.com Card
|
Cryptopay Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 1.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~0.75% | ~1.95% | ~0.75% |
| Highest Cashback | up to 5% | None | up to 2% |
| Entry-Level Cashback | 1% | None | 0.5% |
| Daily Spending Limit | 25,000 EUR | 30,000 EUR | 10,000 EUR |
| Daily ATM Limit | 2,000 EUR | 450 EUR | 2,000 EUR |
| Foreign Exchange Fee | 2% | 3% | 0.5% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 22 | 18 | 63 |
| Apple Pay | Enabled | Not Enabled | Enabled |
| Customer Service | Bad | 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. Cryptopay Card offers the highest daily spending limit of 30,000 EUR. You will get lower daily limits with Crypto.com 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 Nexo Card are not as high. With Cryptopay 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.
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:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Crypto.com Card will cost you a total of ~8.47 EUR (4.2% of 200 EUR), resulting in a final cash withdrawal of 191.53 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 3.97 EUR, reducing your local ATM withdrawal cost to around 4.5 EUR, compared to the standard cost of approximately 8.47 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:
For an international withdrawal using your Crypto.com Card with an initial 200 EUR in ETH, you'll incur fees totaling ~18.4 EUR (9.2% of 200 EUR), leaving you with 180.1 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 Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~8.4 EUR (4.2% of 200 EUR) | ~9 EUR (4.5% of 200 EUR) |
| International ATM Withdrawals | ~18.4 EUR (9.2% 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 Crypto.com's Customer Support
We asked Crypto.com'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.
Crypto.com offers support via the following channels:
| Chat | https://help.crypto.com |
| contact@crypto.com |
Location: Crypto.com customer service reps are located in 
Bulgaria.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 22 d 19 h ) | They sent continuous auto-replies until we used 'URGENT' in one email, then response came the same day. Yet, response did not help to solve the issue asked about. | Late Reply Low Competence Highly Personalized Flawless English, Professional Tone 0.5/10 |
Chat (didn't reply) | Never replied apart from automated response. Waited 16 days. | No Response 0/10 |
Email (didn't reply) | Only automated messages. No real person ever replied. Waited 15 days. | No Response 0/10 |
Email (didn't reply) | Only automated response. So frustrating. Waited 14 days. | No Response 0/10 |
Chat (didn't reply) | Ufff.. no reply. Waited 14 days. | No Response 0/10 |
To summarize,
Competence and Problem-Solving: Crypto.com's customer service could potentially be competent, but we were unable to evaluate it.
Customer Love: Crypto.com demonstrates a disappointing disregard for customer care, primarily through their consistent failure to respond.
Reply Speed: The majority of customer inquiries go unanswered, which is absolutely unacceptable.
Overall Customer Service Rating: 0.1/10
With this score, Crypto.com's Customer Service is extremely poor, compared to other crypto cards, which score an average of 7.4/10.
Crypto.com Referral Code - to Get 25 USD Bonus
You can use referral code k426ugpaj7 to get 25 USD bonus when you create an account on Crypto.com platform.
Here's how you can enter the referral code:
..or, just click here.
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 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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