Cryptopay Card
- You can deposit Fiat from your bank, and withdraw Fiat at 0 cost
- Generous Daily Spend Limit
- No Apple Pay
- No Cashback
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | € EUR£ GBP |
| Apple Pay | Not Enabled |
| Monthly Fee | 1.00 EUR |
| Monthly Inactivity Fee | 5.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~1.95% |
| Cashback | None |
| Daily Spending Limit | 30,000 EUR |
| Daily ATM Withdrawal Limit | 450 EUR |
| Foreign Exchange Fee | 3% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | United Kingdom |
| Supported Cryptocurrencies | AAVEALGOBATBTCDAIETHLINKLTCMATICNEAROMGOXTSNXUNIUSDC |
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 Withdrawals | No ATM Withdrawals |
| Required for Car Rentals, Hotels | No Tangible Asset |
| Useful When Phone Dies, or no Wifi | No Apple Pay, Online Use Only |
| Backup Payment Method | Instant 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 Fee | 0% |
| Sell Spread | ~0.95% |
| Load Fee | 1% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~1.95% |
Reality Check:Compared to the average ~1.8% 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 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 Cryptopay Card Compare to Other Crypto Cards?
Cryptopay Card ranks #27 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 Cryptopay 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 Cryptopay Card against its 37 competitors:
- Offers a generous 30,000 EUR daily spend limit (other cards offer 9,000 EUR limit on average).
- Their customer service is very good with a 9.6/10 score (others score only 7.4/10 on average).
Weakest Features Against Competitors
Compared to its 37 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. Plutus Card vs. Nexo Card
Cryptopay Card
|
Plutus Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 1.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~1.95% | ~0.5% + Gas Fees | ~0.75% |
| Highest Cashback | None | up to 9% | up to 2% |
| Entry-Level Cashback | None | 3% | 0.5% |
| Daily Spending Limit | 30,000 EUR | 2,500 EUR | 10,000 EUR |
| Daily ATM Limit | 450 EUR | 300 EUR | 2,000 EUR |
| Foreign Exchange Fee | 3% | 2.5% | 0.5% |
| Asset Management | Custodial | Non-Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 18 | 2 | 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 Plutus 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, Plutus Card offers the best cashback rewards of up to 9%. 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.
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:
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:
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 168.06 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 Card | Cost 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) | ~18.4 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 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:
| Chat | https://help.cryptopay.me |
| support@cryptopay.me | |
| Telegram | https://t.me/cryptopayofficial |
Location: Cryptopay customer service reps are located in 
United Kingdom and 
Georgia.¹
| Support Channel | Our Interaction | Score |
Email (replied in 1 h 50 min) | Friendly personalized reply. Answered the question, and provided additional info. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Telegram (replied in 8 min) | Quick and friendly reply to a question about 3D Security. | High Competence Not Personalized Adequate English, Informal Tone 8/10 |
Email (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 10/10 |
Chat (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 10/10 |
Email (replied in 52 min) | Easy to have a back and forth conversation, helpful and caring replies. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
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 7.4/10.
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 8 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Great Points. What's My Next Step?
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.
