Crypto.com Card [EU]

#41 (out of 63) in Crypto Cards
#27 (out of 43) in Crypto Cards for Europe
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5.8
Overall Rating
CRITERIA:
Brand Authority
9
Fees and Limits Structure
8.4
Customer Service
0.1
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
  • Non-responsive customer service
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

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 CountriesShow All (29)
Supported CryptocurrenciesADABTCCHZCRODAIDOGEENJETHLINKLTCMANAMATICTAUDTCADTGBPTHETAUNIUSDCUSDPVETXRPZILShow All (22)
Your Crypto.com Card: Make your crypto work in the real world

Your Crypto.com Card: Make your crypto work in the real world

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? Yes, slightly:

Crypto.com CardIndustry Average1
Entry Level Cashback1%1%
Entry Level Cashback Monthly Cap20 EUR35 EUR

Crypto.com Card is a Debit Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • No Bank Account Offered

Crypto.com Card differs from a traditional debit card, where the balance is linked directly to your bank account.

With Crypto.com, you'll need to top up your card before use. It should be noted that Crypto.com doesn't offer a bank account with this card, as 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 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 WifiApple Pay Enabled: Virtual but In-Store Ready
Backup Payment MethodInstant Availability
Cost to Order:
5 EUR
Cost to Order:
0 EUR

Useful:Since Crypto.com Card supports Apple Pay, you can use this card in real life, whether you have the virtual or the physical version.

Back of Card

The back of Crypto.com Card

Card Issuer Foris MT
BIN Number
BIN number is the first 8 digits of the card and identifies the card issuer.
43977149
Validity Period5 years
Issuing CountryLithuania

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
Crypto to Fiat Conversion Fee0%
Sell Spread~0.75%
Load Fee0%
Transaction Fee
0%
Total Crypto to EUR Cost~0.75%
EUR

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 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 Crypto.com Card Compare to Other Crypto Cards?

Crypto.com Card ranks #41 out of 63 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 42 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 42 competitors:

  • Offers impressive maximum cashback of up to 5% (other cards have an average of 4%).
  • Provides a substantial ATM widthdrawal allowance of 2,000 EUR per day (average amongst other cards is only 500 EUR).
  • Solid company with a 9/10 brand authority score (the average for all competing cards is 6/10).
  • 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 fees & limits structure is incredibly generous, with a score of 8.4/10 (average fees & limits structure rating amongst other cards is 5.7/10).
  • Available for residents of United States.

Weakest Features Against Competitors

Compared to its 42 competitors, here are the shortcomings of Crypto.com Card:

  • Their customer service is poor with a 0.1/10 score (competitors score 7.2/10 on average).
  • Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
  • Crypto.com Card [EU] vs. Bitrefill Card vs. Nexo Card

    Crypto.com Card
    Bitrefill Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~0.75% ~2.49% ~0.75%
    Highest Cashback up to 5% None up to 2%
    Entry-Level Cashback 1% None 0.5%
    Daily Spending Limit 25,000 EUR 10,000 EUR 10,000 EUR
    Daily ATM Limit 2,000 EUR N/A (Virtual-Only Card) 2,000 EUR
    Foreign Exchange Fee 2% 0% 2%
    Asset Management Custodial Fiat-Only Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 22 5 86
    Apple Pay Enabled Not Enabled Enabled
    Customer Service Bad Great Great
    Brand Authority Well-Known Growing Well-Known

    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 Bitrefill 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 Bitrefill 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:

You're at a local ATM and have:
0.076 ETH (200 EUR)
-1.5 EUR
Crypto.com Crypto-to-Fiat Conversion Cost: ~0.75%
-3.97 EUR
Crypto.com ATM Withdrawal Fee: 2%
-3 EUR
ATM Operator Fee: ~3 EUR
191.53 EUR

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:

You're at an international ATM and have:
0.076 ETH (200 EUR)
-1.5 EUR
Crypto.com Crypto-to-Fiat Conversion Cost: ~0.75%
-3.97 EUR
Crypto.com Intl ATM Withdrawal Fee: 2%
-3.97 EUR
Crypto.com Foreign Exchange Fee: 2%
-1.99 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.97 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 181.6 EUR)

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 181.6 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~8.4 EUR (4.2% of 200 EUR)~9.2 EUR (4.6% 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, 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 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:

Chathttps://help.crypto.com
Emailcontact@crypto.com

Location: Crypto.com customer service reps are located in Bulgaria flagBulgaria.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 7.2/10.

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:

Crypto.com 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 11 cards listed there.

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

Good to Know. 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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