Cryptopay Card

#29 (out of 51) in Crypto Cards
#21 (out of 37) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • You can deposit Fiat from your bank, and withdraw Fiat at 0 cost
  • Generous Daily Spend Limit
  • No Apple Pay
  • No Cashback
Visa or MC
Debit or Credit

Prepaid Card

Denominated In€ EUR£ GBP
Apple PayNot Enabled
Monthly Fee

1.00 EUR

Monthly Inactivity Fee

5.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost




Daily Spending Limit

30,000 EUR

Daily ATM Withdrawal Limit

450 EUR

Foreign Exchange Fee


Crypto to Fiat Conversion

Manual when Preloading

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported Countries

Cryptopay Card Benefits and Rewards

Cryptopay doesn’t offer cashback rewards or any additional incentives for using the card.

Cryptopay Card is a Prepaid Card

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

Cryptopay 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 Cryptopay 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 Cryptopay 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 Cryptopay 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 Cryptopay Card

Cryptopay Card Requires Pre-Load

Before you can use your Cryptopay 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 Fee0%
Sell Spread~0.95%
Load Fee1%
Transaction Fee
Total Crypto to EUR Cost~1.95%

Reality Check:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with Cryptopay Card will cost you about the same (~1.95%).

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 Cryptopay Card Compare to Other Crypto Cards?

Cryptopay Card ranks #29 out of 51 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 Cryptopay 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 Cryptopay Card against its 36 competitors:

  • Offers a generous 30,000 EUR daily spend limit (other cards offer 10,500 EUR limit on average).
  • Their customer service is very good with a 9.6/10 score (others score only 7.5/10 on average).

Weakest Features Against Competitors

Compared to its 36 competitors, here are the shortcomings of Cryptopay 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%).
  • Has a Foreign Exchange Fee of 3% (other cards have 1.5% average).
  • Requires preconversion of crypto to load the card (while 30% of competitors auto-convert on every purchase).
  • 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).
  • Cryptopay Card vs. Tap Card vs. Nexo Card

    Cryptopay Card
    Tap Card
    Nexo Card
    Monthly Fee 1.00 EUR 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~1.95% ~1.9% ~0.75%
    Highest Cashback None None up to 2%
    Entry-Level Cashback None None 0.5%
    Daily Spending Limit 30,000 EUR 5,000 EUR 10,000 EUR
    Daily ATM Limit 450 EUR 400 EUR 2,000 EUR
    Foreign Exchange Fee 3% 1.5% 0.5%
    Asset Management Custodial Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 18 46 63
    Apple Pay Not Enabled Not Enabled Enabled
    Customer Service Great Great Great
    Company Strength Medium 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 Tap 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, Nexo Card offers the best cashback rewards of up to 2%. With Cryptopay Card and Tap 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.

Cryptopay 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 Cryptopay Card:

You're at a local ATM and have:
0.062 ETH (200 EUR)
-3.9 EUR
Cryptopay Crypto-to-Fiat Conversion Cost: ~1.95%
-2.5 EUR
Cryptopay ATM Withdrawal Fee: 2.5 EUR
-3 EUR
ATM Operator Fee: ~3 EUR
190.6 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Cryptopay Card will cost you a total of ~9.4 EUR (4.7% of 200 EUR), resulting in a final cash withdrawal of 190.6 EUR in hand.

Doesn't Cryptopay 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 Cryptopay Card, here's what it will look like:

You're at an international ATM and have:
0.062 ETH (200 EUR)
-3.9 EUR
Cryptopay Crypto-to-Fiat Conversion Cost: ~1.95%
-9.38 EUR
Cryptopay Intl ATM Withdrawal Fee: 3.5 EUR + 3%
-5.88 EUR
Cryptopay Foreign Exchange Fee: 3%
-1.96 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.92 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 171.96 EUR)

For an international withdrawal using your Cryptopay Card with an initial 200 EUR in ETH, you'll incur fees totaling ~28.04 EUR (14% of 200 EUR), leaving you with 171.96 EUR in the equivalent foreign currency.

Reality CheckCompared to other crypto cards, Cryptopay Card is more expensive for both local and international ATM withdrawals:

Cost with Cryptopay CardCost with Other Cards
Local ATM Withdrawals~9.4 EUR (4.7% of 200 EUR)~9 EUR (4.5% of 200 EUR)
International ATM Withdrawals~28 EUR (14% 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 Cryptopay's Customer Support

We asked Cryptopay'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.

Cryptopay offers support via the following channels:


Location: Cryptopay customer service reps are located in United Kingdom flagUnited Kingdom and Georgia flagGeorgia.¹

Support Channel Our Interaction Score
(replied in
1 h 50 min)
Friendly personalized reply. Answered the question, and provided additional info.
High Competence
Highly Personalized
Flawless English, Professional Tone
(replied in
8 min)
Quick and friendly reply to a question about 3D Security.
High Competence
Not Personalized
Adequate English, Informal Tone
(replied in
1 d 16 h )
Detailed and helpful reply about Cryptopay Card availability. Friendly tone, pleasant interaction.
High Competence
Highly Personalized
Flawless English, Professional Tone
(replied in
51 min)
Friendly and helpful reply to a question about an error in the app.
High Competence
Highly Personalized
Flawless English, Professional Tone
(replied in
52 min)
Easy to have a back and forth conversation, helpful and caring replies.
High Competence
Highly Personalized
Flawless English, Professional Tone

To summarize,

Competence and Problem-Solving: Cryptopay's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.

Customer Love: Cryptopay's support responses are highly personalized, which makes interactions with them very pleasant. They will address you by name, and carefully consider your unique situation to provide tailored answers that meet your specific needs.

Reply Speed: Response times are inconsistent, ranging from as quick as 8 minutes to as slow as 2 days.

Overall Customer Service Rating: 9.6/10

This excellent score places Cryptopay's Customer Service well above the crypto card industry average of 7.5/10.

Is Cryptopay Card Available for Residents of United States?

No, Cryptopay Card is not available for residents of United States.

Cryptopay Card supports: United Kingdom.

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.

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.

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