Cryptopay Card

#18 (out of 35) in Crypto Cards
#14 (out of 25) 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

Debit Card

Denominated In€ EUR£ GBP
Apple PayNot Enabled
Monthly Fee

1.00 EUR

Monthly Inactivity Fee

5.00 EUR

Foreign Exchange Fee


Crypto to Fiat Crypto->Fiat Conversion Fee




Daily Spending Limit

30,000 EUR

Daily ATM Withdrawal Limit

450 EUR

Crypto to Fiat Conversion

Manual when Preloading

Supported Countries
Supported CryptocurrenciesShow All (18)

Cryptopay Card Benefits and Rewards

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

Cryptopay Card is a Debit Card

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 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 Cryptopay 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 Cryptopay Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

How Does Cryptopay Card Compare to Other Crypto Cards?

Cryptopay Card ranks #14 out of 25 amongst similar crypto cards. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.

While we have a total of 35 cards listed in our Crypto Cards category, only 24 are comparable to Cryptopay Card, since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Cryptopay Card against its 24 competitors :

  • Offers a generous 30,000 EUR daily spend limit (other cards offer 11,000 EUR limit on average).
  • Their customer service is very good with a 9.6/10 score (others score only 7.1/10 on average).
  • 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).

Weakest Features Against Competitors

Compared to its 24 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 5%).
  • Has a Foreign Exchange Fee of 3% (other cards have 1.5% average).
  • Limits ATM widthdrawals to 450 EUR per day (average amongst other cards is 1,000 EUR).
  • Requires preconversion of crypto to load the card (while 40% 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. Gate Card vs. Nexo Card

    Cryptopay Card
    Gate Card
    Nexo Card
    Monthly Fee 1.00 EUR 0.00 EUR 0.00 EUR
    Foreign Exchange Fee 3% 2% 0.5%
    Crypto to Fiat Fee 1% 0.9% 0.0%
    Highest Cashback None 1% up to 2%
    Entry-Level Cashback None 1% 0.5%
    Daily Spending Limit 30,000 EUR 10,000 EUR 10,000 EUR
    Daily ATM Limit 450 EUR 1,000 EUR 2,000 EUR
    Availability for United States flagUnited States
    Supported Cryptocurrencies 18 1891 64
    Apple Pay Not Enabled Not Enabled Enabled
    Customer Service Great Average Great
    Company Strength Medium Strong 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 Gate 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%. The cashback rewards for Gate 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.

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:
0.0662 ETH (200 EUR)
-2 EUR
Cryptopay Crypto-to-Fiat Conversion Fee: 1%
-2.5 EUR
Cryptopay ATM Withdrawal Fee: 2.5 EUR
-3 EUR
ATM Operator Fee: ~3 EUR
192.5 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Cryptopay Card will cost you a total of ~7.5 EUR (3.8% of 200 EUR), resulting in a final cash withdrawal of 192.5 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:
0.0662 ETH (200 EUR)
-2 EUR
Cryptopay Crypto-to-Fiat Conversion Fee: 1%
-9.44 EUR
Cryptopay Intl ATM Withdrawal Fee: 3.5 EUR + 3%
-5.94 EUR
Cryptopay Foreign Exchange Fee: 3%
-1.98 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.96 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 171.68 EUR)

For an international withdrawal using your Cryptopay Card with an initial 200 EUR in ETH, you'll incur fees totaling ~26.32 EUR (13.2% of 200 EUR), leaving you with 171.68 EUR in the equivalent foreign currency.

Reality CheckOverall, Cryptopay Card is equivalent to the average than other cards for local ATM withdrawals and more expensive for international ATM withdrawals:

Cost with Cryptopay CardCost with Other Cards
Local ATM Withdrawals~7.6 EUR (3.8% of 200 EUR)~7.6 EUR (3.8% of 200 EUR)
International ATM Withdrawals~26.4 EUR (13.2% 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.

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 7.1/10.

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 5 cards listed there.

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

Interesting. 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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