Utorg Card
- Convenient option to waive the Gas Fees for a 3 EUR fee
- Apple Pay enabled
- Just out of Beta, so virtually no fees yet
- No wallet connect via auth, only import seed option
- No swap in-app, only send and receive crypto
- No cashback
- Virtual-only card
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~0.5% + Gas Fees |
| Cashback | None |
| Daily Spending Limit | 50,000 EUR |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Identity VerificationID Verification | KYC Requiredi |
| Crypto Asset Management | Non-Custodial (connect your own wallet) |
| Supported Blockchains | BitcoinEthereumPolygonTron |
| Supported Cryptocurrencies | BTCETHUSDCUSDCEUSDT |
| Supported Countries | AustriaBelgiumBulgariaCyprusCzechiaGermanyDenmarkEstoniaSpainFinlandFranceGreeceCroatiaHungaryIrelandIcelandItalyLiechtensteinLithuaniaLuxembourgLatviaMaltaThe NetherlandsNorwayPolandPortugalRomaniaSwedenSloveniaSlovakiaUkraine |
Your Utorg Card: Enjoy the convenience of Apple Pay and virtually no fees
Utorg Card Benefits and Rewards
Utorg card does not offer cashback rewards or any additional incentives for using the card yet. According to their support, cashback feature will be launched in the near future.
Utorg Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Utorg Card differs from a traditional debit card, where the balance is linked directly to your bank account.
With Utorg, you'll need to top up your card before use. It should be noted that Utorg doesn't offer a bank account with this card, as 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
Utorg Card is available solely in virtual format, unlike 30% 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 Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Cost to Order: 0 EUR |
Useful:Since Utorg Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
The 'back' of virtual Utorg Card
| Card Issuer | Quicko Sp Z Oo |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 55577080 |
| Validity Period | 5 years |
| Issuing Country | Poland |
Quicko Sp Z Oo is the card issuer used by several other crypto cards, including Trustee Card and CEX.IO Card.
Crypto-to-EUR Conversion Cost with Utorg Card
Utorg Card Requires Pre-Load
Before you can use your Utorg 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 | ~0.5% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | vary |
| Total Crypto to EUR Cost | ~0.5% + Gas Fees |
Low Cost:Compared to the average ~1.6% crypto-to-fiat cost of other cards, converting crypto with Utorg Card is much more cost-effective (~0.5% + Gas Fees). This means that you will get more EUR for your crypto when using this card.
From all crypto cards we reviewed for Europe, OKX Card, WhiteBIT Card and Holyheld Card offer the cheapest crypto-to-fiat conversions (~0.1%, ~0.28% and ~0.5% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Utorg Card Compare to Other Crypto Cards?
Utorg Card ranks #24 out of 73 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.
In addition, Utorg Card ranks #10 out of 21 amongst Non-Custodial Crypto Cards.
We compared Utorg 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 Utorg Card against its 42 competitors:
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- Offers a generous 50,000 EUR daily spend limit (other cards offer 10,000 EUR limit on average).
- Their customer service is very good with a 9.3/10 score (others score only 7.5/10 on average).
- You won't be charged any monthly fee (while 20% of other crypto cards charge one, with a median of 1.6 EUR per month).
- Their overall fees & limits structure is incredibly generous, with a score of 7.8/10 (average fees & limits structure rating amongst other cards is 6.2/10).
- This crypto card is non-custodial, which means you keep the keys to your crypto assets and can connect your own wallet. You have full control, unlike with custodial cards that manage your crypto assets.
Weakest Features Against Competitors
Compared to its 42 competitors, here are the shortcomings of Utorg Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
- Only available in virtual format (while 30% of competing crypto cards offer both physical and virtual cards).
- No way to unload funds once they are loaded to the card (while about 80% of crypto cards let you take funds back out).
Utorg Card vs. Phantom Card vs. Ether.fi Card
Utorg Card
|
Phantom Card
|
Ether.fi Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 USD | 0.00 USD |
| Crypto to Fiat Cost | ~0.5% + Gas Fees | ~0.95% + Gas Fees | 0% + Gas Fees |
| Highest Cashback | None | None | up to 3% |
| Entry-Level Cashback | None | None | 3% |
| Daily Spending Limit | 50,000 EUR | 5,000 USD | 50,000 USD |
| Daily ATM Limit | N/A (Virtual-Only Card) | N/A (Virtual-Only Card) | 750 USD |
| Foreign Exchange Fee | 0% | 0% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 5 | 1382 | 4 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Average | Great |
| Brand Authority | Growing | Well-Known | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Both Utorg Card and Ether.fi Card offer a solid daily spending limit of 50,000 USD. The daily limit on Phantom Card is not as high.
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, Ether.fi Card offers the best cashback rewards of up to 3%. With Utorg Card and Phantom 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 Utorg's Customer Support
We asked Utorg'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.
Utorg offers support via the following channels:
| Chat | in-app |
| [email protected] |
Location: Utorg customer service reps are located in 
Serbia and 
Ukraine.¹
| Support Channel | Our Interaction | Score |
Email (replied in 27 min) | Quick, friendly and concise reply to a question about pre-authorizations on their card. | High Competence Somewhat Personalized Adequate English, Professional Tone 9/10 |
Email (replied in 13 min) | Quick and professional response, answered questions about 3ds security and transaction disputes. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Chat (replied in 2 min) | Patiently answered multiple follow up questions, kept a polite tone even when confronted with impatient remarks. | High Competence Highly Personalized Adequate English, Professional Tone 9.5/10 |
Chat (replied in 1 min) | Friendly and helpful replies to questions about card topups. It's nice to be able to have a full conversation instead of waiting a few days for each follow up. | High Competence Somewhat Personalized Adequate English, Professional Tone 9/10 |
Chat (replied in 3 min) | Concise and to the point reply to a question about card limits. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
To summarize,
Competence and Problem-Solving: Utorg'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: Utorg's support replies are personalized rather than copy-paste templates, though they tend to be brief and don't go into a lot of detail.
Reply Speed: They respond remarkably quickly, with most of their replies coming within an average of 9 minutes, significantly saving your time.
Overall Customer Service Rating: 9.3/10
This excellent score places Utorg's Customer Service well above the crypto card industry average of 7.5/10.
Is Utorg Card Available for Residents of United States?
No, Utorg Card is not available for residents of United States.
Utorg Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, The Netherlands, Ukraine.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 19 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Valuable Points. What's My Next Step?
