Kinesis Card [EU]

#27 (out of 54) in Crypto Cards
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Overall Rating
Brand Authority
Fees and Limits Structure
Customer Service
  • Every customer gets a dedicated account manager
  • Auto-converts crypto to fiat on every purchase
  • Virtual-only card, no physical version, which means no ATM withdrawals
Visa or MC
Debit or Credit

Prepaid Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost




Daily Spending Limit

15,000 EUR

Daily ATM Withdrawal Limit

N/A (Virtual-Only Card)

Foreign Exchange Fee


Crypto to Fiat Conversion

Auto on Every Purchase

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported CountriesShow All (55)

Kinesis Card Benefits and Rewards – for Europe

If you choose to set up KAU (Kinesis Gold) and KAG (Kinesis Silver) as your preferred currencies to be spent when using the card, you will qualify for Velocity Yield rewards.

Velocity Yield is paid monthly into the user’s Kinesis wallet and is calculated as a percentage of the transaction fees generated by the Kinesis Monetary System. Kinesis gives back a 57.5% share of all transaction fees to its users, proportionately distributed and paid monthly in KAG and KAU.

With Kinesis Card, you can set up up to 5 currencies (in the order of preference), to be spent when using the card. That is, you don’t need to top up your card, and funds will be directly converted from your chosen cryptocurrency in your Kinesis account to EUR at the moment of purchase. To qualify for rewards, you will need to set up KAG and KAU as your primary currencies for the card.

The more you use the Kinesis Card (while automatically converting your KAG and KAU to EUR), the more Velocity Yield you can earn.

If you choose to spend any other cryptocurrencies with Kinesis Card, you will not qualify for Velocity Yield.

p.s. There is no card cashback program that Kinesis offers at the moment. Kinesis used to have a cashback voucher program, but they discontinued it on July 14, 2023.

Kinesis Card is a Prepaid Card

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

Kinesis Card is a prepaid card, linked to the crypto coin balance on the Kinesis platform. It should be noted that Kinesis 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's Issued Solely in Virtual Form, Lacking a Physical Version

Kinesis Card is available solely in virtual format, unlike 40% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.

Wondering about the pros and cons of virtual-only format? Here are some highlights:

No Physical Card
Virtual Card
No ATM WithdrawalsInstantly Available, No Waiting for Mail
No Card when Hotels or Car Rentals Require itIdeal for Online Purchases
No Card When Phone Dies or no InternetEnvironmentally Friendly
No Feel-Good Backup Payment MethodNo Tangible Item to Misplace

Useful:Since Kinesis Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.

Crypto-to-EUR Conversion Cost with Kinesis Card

Kinesis Card Converts Your Crypto on Demand

Kinesis Card offers instant conversion to EUR at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.

Crypto to Fiat Conversion Fee0.22%
Sell Spread~0.25%
Transaction Fee
Total Crypto to EUR Cost~2.42%

High Cost:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with Kinesis Card will cost you more (~2.42%). This means that you will get less EUR for your crypto when using this card.

From all crypto cards we reviewed, Kast Card, WhiteBIT Card and Holyheld Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.28% and ~0.5% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

How Does Kinesis Card Compare to Other Crypto Cards?

Kinesis Card ranks #27 out of 54 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.

Weakest Features Against Competitors

Compared to its 37 competitors, here are the shortcomings of Kinesis Card:

  • Doesn't offer any cashback (while other cards give an average of 4%).
  • Daily spend is capped at 15,000 EUR (while other cards offer 23,500 EUR daily spend limit on average).
  • Only available in virtual format (while 40% of competing crypto cards offer both physical and virtual cards).
  • Kinesis Card [EU] vs. Bitpanda Card vs. Nexo Card

    Kinesis Card
    Bitpanda Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~2.42% ~2.99% ~0.75%
    Highest Cashback None up to 2% up to 2%
    Entry-Level Cashback None 0% 0.5%
    Daily Spending Limit 15,000 EUR 10,000 EUR 10,000 EUR
    Daily ATM Limit N/A (Virtual-Only Card) 350 EUR 2,000 EUR
    Foreign Exchange Fee 1% 2.5% 0.5%
    Asset Management Custodial Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 14 242 83
    Apple Pay Enabled Enabled Enabled
    Customer Service Great Great Great
    Brand Authority Growing Growing Well-Known

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Kinesis Card offers the highest daily spending limit of 15,000 EUR. You will get lower daily limits with Bitpanda 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. Both Bitpanda Card and Nexo Card offer solid cashback rewards of up to 2%. With Kinesis 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.

We Tested Kinesis's Customer Support

We asked Kinesis'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.

Kinesis offers support via the following channels:

Phone+44 20 3150 0385

Location: Kinesis customer service reps are located in United Kingdom flagUnited Kingdom, Malaysia flagMalaysia and Australia flagAustralia.¹

Support Channel Our Interaction Score
(replied in
4 h 9 min)
Replied the same day, provided a clear answer to the question asked.
High Competence
Somewhat Personalized
Flawless English, Professional Tone
(replied in
1 h 36 min)
Answered quickly, replied with info about two-factor authentication for online purchases.
High Competence
Somewhat Personalized
Flawless English, Professional Tone
(replied in
5 h 41 min)
Couldn't pinpoint the reason for their chat bubble not working (which was Zendesk ban due to IP).
Low Competence
Somewhat Personalized
Flawless English, Professional Tone
(replied in
11 h 26 min)
Copy pasted response. Didn't reply to what was asked for, in a question about EUR accounts vs USD accounts.
Low Competence
Somewhat Personalized
Adequate English, Professional Tone
(replied in
8 h 35 min)
Friendly, informative response to a question about EUR deposit.
High Competence
Somewhat Personalized
Flawless English, Professional Tone

To summarize,

Competence and Problem-Solving: Kinesis's customer service responses are a hit or miss. Some of their agents are very competent, while others are not.

Customer Love: Kinesis's support responses are personalized, addressing customers by name, but typically do not include other specific account details unless requested.

Reply Speed: Response times are inconsistent but relatively fast, ranging from as quick as 2 hours to as slow as 11 hours.

Overall Customer Service Rating: 7.6/10

With this score, Kinesis's Customer Service is mediocre, comparable to the 7/10 average of other crypto card companies.

Kinesis Referral ID - to Get 14 EUR Bonus

You can use referral id KM13909079 to get 0.5 KAG (~14 EUR¹) bonus when you create an account on Kinesis platform.

Here's how you can enter the referral id:

Kinesis referral id

..or, just click here.

Your bonus will be paid out to you in KAG (Kinesis Silver1), right after you reach $3000 total traded volume.

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 Kinesis Card Available for Residents of United States?

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

Kinesis Card [EU] supports the following countries: Argentina, Australia, Austria, Belgium, Brazil, Bulgaria, Chile, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Ecuador, Estonia, Fiji, Finland, France, Germany, Greece, Guatemala, Hungary, Ireland, Italy, Kiribati, Latvia, Lithuania, Luxembourg, Malta, Marshall Islands, Mexico, Micronesia, Nauru, Netherlands, New Zealand, Nicaragua, Palau, Panama, Papua New Guinea, Peru, Poland, Portugal, Puerto Rico, Romania, Samoa, Scotland, Slovakia, Slovenia, Solomon Islands, Spain, Sweden, Tonga, United Kingdom, Uruguay, Wales. Kinesis Card [Canada] supports: Canada.

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.

Cool. 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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