Tap Card
- Simple & intuitive app interface
- 45+ cryptocurrencies supported
- No ATM withdrawal fee
- Apple Pay not enabled
- High fees for base tier
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | € EUR |
| Apple Pay | Not Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 3.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~2.39% |
| Highest Cashback | up to 8% |
| Entry-Level Cashback | 0.5% |
| Entry-Level Cashback Monthly Cap | 150 EUR |
| Daily Spending Limit | 15,000 EUR |
| Daily ATM Withdrawal Limit | 1,500 EUR |
| Foreign Exchange Fee | 1.99% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaScotlandSlovakiaSloveniaSpainSwedenUnited KingdomWales |
| Supported Cryptocurrencies | 1INCHAAVEADAANKRAPEAXSBALBATBITBTCCHZCOMPCRVCVXDAI |
Your Tap Card: a crypto card for Europeans with excellent customer service
Tap Card Benefits and Rewards
Tap card offers up to 8% cashback, paid in XTP. The percentage depends on your holdings of XTP (Tap Ecosystem Token) – the more you hold, the better benefits you qualify for:
| Required Holdings | Cashback | Crypto-to-EUR Conversion Fee | FX Fee | |
| Essential | €0 in XTP | 0.5% | 1.99% | 1.99% |
| Plus | €300 in XTP | 1.5% | 1.49% | 1.49% |
| Prime | €2,500 in XTP | 3% | 0.99% | 0.99% |
| Premier | €5,000 in XTP | 4% | 0.75% | 0.75% |
| Platinum | €15,000 in XTP | 6% | 0.50% | 0.50% |
| Prestige | €25,000 in XTP | 8% | 0.25% | 0.25% |
FX Fee is a Foreign Exchange Fee, charged when you use your card abroad. With a higher VIP Level, you get a reduced FX Fee for your Tap Card transactions.
Reality Check While Tap Card promotes up to 8% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 0.5% cashback, capped at 150 EUR per month.
Are other cards more generous at base tier? No, they are not. In fact, Tap Card offers more value for the entry-level user, than most competitors:
| Tap Card | Industry Average1 | |
| Entry Level Cashback | 0.5% | 1% |
| Entry Level Cashback Monthly Cap | 150 EUR | 35 EUR |
Tap Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- GB
IBAN Bank Account- in your name
Tap Card is a prepaid card carrying its own balance, and you'll need to top it up before use. Alongside, Tap Global offers you a personal bank account. You'll receive a United Kingdom-based IBAN bank account number issued in your name.
Not so Great:Third party senders cannot deposit funds into your Tap Global bank account - you can only receive deposits from accounts in your name. This means you will not be able to receive your fiat withdrawals from exchanges or receive salary payments.
It Comes in Both Physical and Virtual Forms
You can get Tap 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 |
Cost to Order: 5 EUR | Cost to Order: 15 EUR |
Get the Physical Card:Since Tap 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.
The back of Tap Card
| Card Issuer | Transact Payments |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 51953064 |
| Validity Period | 3 years |
| Issuing Country | Lithuania |
Crypto-to-EUR Conversion Cost with Tap Card
Tap Card Requires Pre-Load
Before you can use your Tap 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 | 1.99% |
| Sell Spread | ~0.4% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~2.39% |
High Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Tap Card will cost you more (~2.39%). This means that you will get less EUR for your crypto when using this card.
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Tap Card Compare to Other Crypto Cards?
Tap Card ranks #32 out of 63 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 Tap Card with 42 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 Tap Card against its 42 competitors:
- Offers impressive maximum cashback of up to 8% (other cards have an average of 4%).
- Offers up to 150 EUR per month in cashback for entry-level users (exceeding the competitors' 35 EUR average).
- Provides a substantial ATM widthdrawal allowance of 1,500 EUR per day (average amongst other cards is only 500 EUR).
- Supports 48 cryptocurrencies (while other cards support an average of 15).
- Their customer service is very good with a 8.8/10 score (others score only 7.6/10 on average).
- Offers all ATM withdrawals fee-free (which is generous compared to the average monthly 200 EUR free withdrawal limit of other cards).
Weakest Features Against Competitors
Compared to its 42 competitors, here are the shortcomings of Tap Card:
- Apple Pay isn't enabled (while 70% of competing crypto cards have it).
- Daily spend is capped at 15,000 EUR (while other cards offer 25,000 EUR daily spend limit on average).
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
Tap Card vs. WhiteBIT Card vs. Nexo Card
Tap Card
|
WhiteBIT Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 2.30 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~2.39% | ~0.28% | ~0.75% |
| Highest Cashback | up to 8% | None | up to 2% |
| Entry-Level Cashback | 0.5% | None | 0.5% |
| Daily Spending Limit | 15,000 EUR | 2,750 EUR | 10,000 EUR |
| Daily ATM Limit | 1,500 EUR | N/A (Virtual-Only Card) | 2,000 EUR |
| Foreign Exchange Fee | 1.99% | 0% | 2% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 48 | 271 | 83 |
| Apple Pay | Not Enabled | Enabled | Enabled |
| Customer Service | Great | Average | Great |
| Brand Authority | Growing | Well-Known | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Tap Card offers the highest daily spending limit of 15,000 EUR. You will get lower daily limits with WhiteBIT 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, Tap Card offers the best cashback rewards of up to 8%. The cashback rewards for Nexo Card are not as high. With WhiteBIT 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.
Tap 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 Tap Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Tap Card will cost you a total of ~7.78 EUR (3.9% of 200 EUR), resulting in a final cash withdrawal of 192.22 EUR in hand.
Doesn't Tap Global Card Offer Free ATM Withdrawals?
Yes, with Tap Global, all ATM withdrawals are free withdrawals. But this only refers to their ATM withdrawal fee.
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 Tap Card, here's what it will look like:
For an international withdrawal using your Tap Card with an initial 200 EUR in ETH, you'll incur fees totaling ~17.51 EUR (8.8% of 200 EUR), leaving you with 182.49 EUR in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, Tap Card is more cost-effective for both local and international ATM withdrawals:
| Cost with Tap Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~7.8 EUR (3.9% of 200 EUR) | ~9.2 EUR (4.6% of 200 EUR) |
| International ATM Withdrawals | ~17.6 EUR (8.8% of 200 EUR) | ~18.4 EUR (9.2% of 200 EUR) |
From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.2%, 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 9% of 200 EUR.
We Tested Tap Global's Customer Support
We asked Tap Global'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.
Tap Global offers support via the following channels:
| Chat | in-App Chat |
| support@tap.global |
Location: Tap Global customer service reps are located in 
United Kingdom.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 20 h 1 min) | Friendly, personalized, detailed response to a question about ordering a card. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Email (replied in 2 d 14 h ) | Replied to simple questions asked about Apple Pay availability and cashback. | High Competence Not Personalized Poor English, Formal Tone 7/10 |
Email (replied in 1 d 22 h ) | At first, answered with a copy pasted related information which didn't directly answer the question. On a follow-up, answered quickly and well. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Chat (replied in 3 h 16 min) | Great personalized response to a question about physical card delivery. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Email (replied in 14 min) | Besides the unattractive Dear Sir/Madame greeting, the answer was clear and to the point. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
To summarize,
Competence and Problem-Solving: Tap Global'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: 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, ranging from as quick as 14 minutes to as slow as 3 days.
Overall Customer Service Rating: 8.8/10
This excellent score places Tap Global's Customer Service well above the crypto card industry average of 7.2/10.
Tap Card supports 33 countries
Is Tap Card Available for Residents of United States?
No, Tap Card is not available for residents of United States.
Tap 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, Scotland, Slovakia, Slovenia, Spain, Sweden, United Kingdom, Wales.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 11 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 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.
