Rayn Card

#24 (out of 41) in Crypto Cards
#21 (out of 32) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Fast-responding customer service
  • Generous Daily Spend Limit
  • Beautiful, easy to use app
  • Need to manually pre-auth each card transaction via the app
  • No cashback
  • No Apple Pay
Visa or MC
Debit or Credit

Prepaid Card

Denominated In€ EUR
Apple PayNot Enabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost




Daily Spending Limit

10,000 EUR

Daily ATM Withdrawal Limit

300 EUR

Foreign Exchange Fee


Crypto to Fiat Conversion

Auto on Every Purchase

Supported CountriesShow All (30)
Supported CryptocurrenciesAKTIOBTCETHUSDT
Your Rayn Card: Beautifully designed with a luxurious white color option

Your Rayn Card: Beautifully designed with a luxurious white color option

Rayn Card Benefits and Rewards

Rayn card does not offer cashback rewards or any additional incentives for using the card.

Rayn Card is a Prepaid Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • IE88 8888 8888 8888 8888
  • Ireland flag IBAN Bank Account
  • in your name

Rayn Card is a prepaid card carrying its own balance, and you'll need to top it up before use. Alongside, Rayn offers you a personal bank account. You'll receive an Ireland-based IBAN bank account number issued in your name.

Useful:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Rayn, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges or receive salary payments.

It's Offered in Physical Form, Without an Instant Virtual Equivalent

Rayn Card is available solely in physical form, unlike 40% of crypto cards offering both physical and virtual versions. This means you'll have to wait for its arrival by mail after completing the KYC Identity Verification.

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

Physical Card
No Virtual Card
ATM WithdrawalsNo Second Card Number
Required for Car Rentals, HotelsNo Instantly Available Card
Useful When Phone Dies, or no WifiCannot Separate Online Purchases for Safety
Backup Payment MethodCannot Have a 2nd Card with Lower Spend Limits

Inconvenience:Since Rayn Card doesn't support Apple Pay, you will have to take it out of your wallet everytime you pay for something (unless you use Curve).

Crypto-to-EUR Conversion Cost with Rayn Card

Rayn Card Converts Your Crypto on Demand

Rayn 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 Fee1%
Sell Spread~0.25%
Transaction Fee
Total Crypto to EUR Cost~1.25%

Reality Check:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with Rayn Card will cost you about the same (~1.25%).

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 Rayn Card Compare to Other Crypto Cards?

Rayn Card ranks #21 out of 32 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 41 cards listed in our Crypto Cards category, only 31 are comparable to Rayn Card, since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Rayn Card against its 31 competitors :

  • Their customer service is very good with a 9/10 score (others score only 7.3/10 on average).
  • Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 70% of competing crypto cards require you to preload card in advance).

Weakest Features Against Competitors

Compared to its 31 competitors, here are the shortcomings of Rayn Card:

  • Apple Pay isn't enabled (while 50% of competing crypto cards have it).
  • Doesn't offer any cashback (while other cards give an average of 4%).
  • Limits ATM widthdrawals to 300 EUR per day (average amongst other cards is 850 EUR).
  • Rayn Card vs. COCA Card vs. Nexo Card

    Rayn Card
    COCA Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~1.25% ~0.5% + Gas Fees ~0.75%
    Highest Cashback None None up to 2%
    Entry-Level Cashback None None 0.5%
    Daily Spending Limit 10,000 EUR 30,000 EUR 10,000 EUR
    Daily ATM Limit 300 EUR N/A (Virtual-Only Card) 2,000 EUR
    Foreign Exchange Fee 2% 0% 0.5%
    Availability for United States flagUnited States
    Supported Cryptocurrencies 4 4 63
    Apple Pay Not Enabled Not Enabled Enabled
    Customer Service Great Great Great
    Company Strength Medium Weak Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. COCA Card offers the highest daily spending limit of 30,000 EUR. You will get lower daily limits with Rayn 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 Rayn Card and COCA 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.

Rayn 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 Rayn Card:

You're at a local ATM and have:
0.0699 ETH (200 EUR)
-2.5 EUR
Rayn Crypto-to-Fiat Conversion Cost: ~1.25%
-4.94 EUR
Rayn ATM Withdrawal Fee: 2.5%
-3 EUR
ATM Operator Fee: ~3 EUR
189.56 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Rayn Card will cost you a total of ~10.44 EUR (5.2% of 200 EUR), resulting in a final cash withdrawal of 189.56 EUR in hand.

Doesn't Rayn Card Offer Free ATM Withdrawals?

Yes, Rayn offers free ATM withdrawals for up to 200 EUR per month, in line with the average limit of 200 EUR offered by other cards.

When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 200 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 4.94 EUR, reducing your local ATM withdrawal cost to around 5.5 EUR, compared to the standard cost of approximately 10.44 EUR.

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 Rayn Card, here's what it will look like:

You're at an international ATM and have:
0.0699 ETH (200 EUR)
-2.5 EUR
Rayn Crypto-to-Fiat Conversion Cost: ~1.25%
-4.94 EUR
Rayn Intl ATM Withdrawal Fee: 2.5%
-3.95 EUR
Rayn Foreign Exchange Fee: 2%
-1.98 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.95 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 177.18 EUR)

For an international withdrawal using your Rayn Card with an initial 200 EUR in ETH, you'll incur fees totaling ~20.32 EUR (10.2% of 200 EUR), leaving you with 177.18 EUR in the equivalent foreign currency.

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

Cost with Rayn CardCost with Other Cards
Local ATM Withdrawals~10.4 EUR (5.2% of 200 EUR)~8.8 EUR (4.4% of 200 EUR)
International ATM Withdrawals~20.4 EUR (10.2% of 200 EUR)~18 EUR (9% 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.

Rayn Referral Code - to Get 10 EUR Bonus

You can use referral code 8e3694328ff0b6f40c4350fa18bf0fe9d1259c1ce095247f67de83ffb50d4f44 to get 10 EUR bonus when you create an account on Rayn platform.

Here's how you can enter the referral code:

Rayn referral code

..or, just click here.

Your bonus will be paid out to you right after you make your first 50 EUR deposit.

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 Rayn Card Available for Residents of United States?

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

Rayn Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

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.

Helpful. 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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