Netcoins Card

#23 (out of 35) in Crypto Cards
#4 (out of 5) in Crypto Cards for Canada
Add to compare
To get 25 CAD bonus,
use Referral Code 3KDS52
when you are signing up. see how
Overall Rating
Company Strength
Fee Structure
Customer Service
  • Offers cashback in Bitcoin
  • Generous ATM daily withdrawal limit
  • Cashback, converted from CAD to BTC monthly, not instantly - so you cannot predict or plan the conversion rate
Visa or MC
Debit or Credit

Debit Card

Denominated In$ CAD
Apple PayEnabled
Monthly Fee

0.00 CAD

Monthly Inactivity Fee

1.00 CAD

Foreign Exchange Fee


Crypto to Fiat Crypto->Fiat Conversion Fee


Highest Cashback


Entry-Level Cashback


Entry-Level Cashback Monthly Cap

300 CAD

Daily Spending Limit

8,000 CAD

Daily ATM Withdrawal Limit

2,000 CAD

Crypto to Fiat Conversion

Manual when Preloading

Supported Countries
Supported CryptocurrenciesShow All (38)

Netcoins Card Benefits and Rewards

Netcoins card offers 1% cashback on all purchases made on the card. Cashback rewards are first earned in CAD and then converted into Bitcoin at a set date each month.

Reality CheckAlthough other cards may advertise higher cashback rates, entry-level users with 1,000 CAD in assets typically receive much lower cashback rates from those cards. When compared at the entry-level tier, Netcoins Card's 1% cashback offers good value comparing to competitors:

Netcoins CardIndustry Average1
Entry Level Cashback1%1%
Entry Level Cashback Monthly Cap300 CAD400 CAD

Netcoins Card is a Debit Card

Before you can use your Netcoins 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 Netcoins 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 Netcoins Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

How Does Netcoins Card Compare to Other Crypto Cards?

Netcoins Card ranks #4 out of 5 amongst similar crypto cards. This means it's one of the bottom 20%. But don't rush to judge, our rating is based on company strength, fee structure and customer service - if this card supports your country while others don't, or you use their other services, this card may still be a good choice for you.

While we have a total of 35 cards listed in our Crypto Cards category, only 4 are comparable to Netcoins Card, since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Netcoins Card against its 4 competitors :

  • Provides a substantial ATM widthdrawal allowance of 2,000 CAD per day (average amongst other cards is only 1,200 CAD).
  • Supports 38 cryptocurrencies (while other cards support an average of 20).
  • Their customer service is very good with a 8.3/10 score (others score only 7/10 on average).
  • You can get both a physical card and a second virtual card (while 40% of competing crypto cards offer only one type - either physical or just virtual).
  • Offers all ATM withdrawals fee-free (which is generous compared to the average monthly 200 CAD free withdrawal limit of other cards).

Weakest Features Against Competitors

Compared to its 4 competitors, here are the shortcomings of Netcoins Card:

  • Daily spend is capped at 8,000 CAD (while other cards offer 13,000 CAD daily spend limit on average).
  • Less-known company with a 3/10 company strength score (the average for all competing cards is 6/10).
  • Requires preconversion of crypto to load the card (while 20% of competitors auto-convert on every purchase).
  • Netcoins Card vs. Card vs. Kinesis Card

    Netcoins Card Card
    Kinesis Card
    Monthly Fee 0.00 CAD 0.00 CAD 0.00 CAD
    Foreign Exchange Fee 1.5% 2% 1%
    Crypto to Fiat Fee 1.42% 1.41% 0.39%
    Highest Cashback 1% up to 5% None
    Entry-Level Cashback 1% 1% None
    Daily Spending Limit 8,000 CAD 35,000 CAD 15,000 CAD
    Daily ATM Limit 2,000 CAD 700 CAD N/A (Virtual-Only Card)
    Availability for United States flagUnited States
    Supported Cryptocurrencies 38 22 14
    Apple Pay Enabled Enabled Not Enabled
    Customer Service Great Average Great
    Company Strength Weak Strong Medium

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Card offers the highest daily spending limit of 35,000 CAD. You will get lower daily limits with Netcoins Card and Kinesis 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, Card offers the best cashback rewards of up to 5%. The cashback rewards for Netcoins Card are not as high. 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.

Netcoins Card ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in CAD

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Netcoins Card:

You're at a local ATM and have:
0.045 ETH (200 CAD)
-2.84 CAD
Netcoins Crypto-to-Fiat Conversion Fee: 1.42%
-0 CAD
Netcoins ATM Withdrawal Fee: 0 CAD + 0%
-3 CAD
ATM Operator Fee: ~3 CAD
194.16 CAD

Starting with an initial amount of 200 CAD in ETH, the ATM withdrawal with Netcoins Card will cost you a total of ~5.84 CAD (2.9% of 200 CAD), resulting in a final cash withdrawal of 194.16 CAD in hand.

Doesn't Netcoins Card Offer Free ATM Withdrawals?

Yes, with Netcoins, all ATM withdrawals are free withdrawals. But this only refers to their ATM withdrawal fee.

International non-CAD ATM Withdrawals

Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Netcoins Card, here's what it will look like:

You're at an international ATM and have:
0.045 ETH (200 CAD)
-2.84 CAD
Netcoins Crypto-to-Fiat Conversion Fee: 1.42%
-0 CAD
Netcoins Intl ATM Withdrawal Fee: 0 CAD + 0%
-2.96 CAD
Netcoins Foreign Exchange Fee: 1.5%
-1.97 CAD
Mastercard Foreign Exchange Fee: 1%
-3 CAD
ATM Operator Fee: ~3 CAD
-3.94 CAD
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 182.45 CAD)

For an international withdrawal using your Netcoins Card with an initial 200 CAD in ETH, you'll incur fees totaling ~14.71 CAD (7.4% of 200 CAD), leaving you with 182.45 CAD in the equivalent foreign currency.

Reality CheckCompared to other crypto cards, Netcoins Card is more cost-effective for both local and international ATM withdrawals:

Cost with Netcoins CardCost with Other Cards
Local ATM Withdrawals~5.8 CAD (2.9% of 200 CAD)~7.6 CAD (3.8% of 200 CAD)
International ATM Withdrawals~14.8 CAD (7.4% of 200 CAD)~17.2 CAD (8.6% of 200 CAD)

From all crypto cards that we reviewed, Coinbase Card, Netcoins Card and Wealthsimple Card offer the cheapest local ATM withdrawals (2.1%, 2.9% and 3.5% of 200 CAD respectively), while Wirex Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 5% of 200 CAD.

We Tested Netcoins's Customer Support

We asked Netcoins'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.

Netcoins offers support via the following channels:
Phone+1 (844) 515-2646
Web Form

Location: Netcoins customer service reps are located in Canada flagCanada.¹

Support Channel Our Interaction Score
(replied in
1 h 32 min)
Sent a fast reply to a question about the dispute process, provided a clear and detailed response.
High Competence
Highly Personalized
Flawless English, Professional Tone
Web Form
(replied in
37 min)
Replied with a reason for a declined transaction. Their given reason was not really true, because card started working after unlocking it.
Low Competence
Somewhat Personalized
Flawless English, Professional Tone
(replied in
5 min)
Quick, concise reply to a question about card locking.
High Competence
Not Personalized
Adequate English, Professional Tone
Web Form
(replied in
4 h 4 min)
Detailed and informative response to a question about staking.
High Competence
Somewhat Personalized
Flawless English, Professional Tone
(replied in
3 min)
Super quick reply. Gave a good explanation for when to expect the cashback rewards.
High Competence
Not Personalized
Adequate English, Professional Tone

To summarize,

Competence and Problem-Solving: More often than not, Netcoins's customer service responses are highly competent, proving they're a company that takes your questions seriously.

Customer Love: Their responses will be personalized when they need to look up specific information from your account, although they may not always address you by name.

Reply Speed: Response times are inconsistent but relatively fast, ranging from as quick as 3 minutes to as slow as 4 hours.

Overall Customer Service Rating: 8.3/10

This excellent score places Netcoins's Customer Service well above the crypto card industry average of 7.1/10.

Netcoins Referral Code - to Get 25 CAD Bonus

You can use referral code 3KDS52 to get 25 CAD bonus when you create an account on Netcoins platform.

Here's how you can enter the referral code:

Netcoins referral code

..or, just click here.

Your bonus will be paid out to you right after you purchase $50 CAD worth of crypto.

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 Netcoins Card Available for Residents of United States?

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

Netcoins Card supports: Canada.

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.

Very Informative. 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.

Compare items
  • Total (0)