Utorg Card

#9 (out of 63) in Crypto Cards
#9 (out of 43) in Crypto Cards for Europe
#4 (out of 15) in Non-Custodial Crypto Cards
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7
Overall Rating
CRITERIA:
Brand Authority
4
Fees and Limits Structure
7.8
Customer Service
9.3
PROS:
  • Convenient option to waive the Gas Fees for a 3 EUR fee
  • Apple Pay enabled
  • Just out of Beta, so virtually no fees yet
CONS:
  • No wallet connect via auth, only import seed option
  • No swap in-app, only send and receive crypto
  • No cashback
  • Virtual-only card
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayEnabled
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

Crypto Asset Management

Non-Custodial (connect your own wallet)

Supported CountriesShow All (31)
Supported Blockchains
Supported CryptocurrenciesBTCETHUSDCUSDCEUSDT
Your Utorg Card: Enjoy the convenience of Apple Pay and virtually no fees

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

Back of Card

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 Period5 years
Issuing CountryPoland

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
Crypto to Fiat Conversion Fee0%
Sell Spread~0.5%
Load Fee0%
Transaction Fee
0%
Gas Feesvary
Total Crypto to EUR Cost~0.5% + Gas Fees
EUR

Low Cost:Compared to the average ~1.8% 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, 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 Utorg Card Compare to Other Crypto Cards?

Utorg Card ranks #9 out of 63 amongst all the crypto cards we have reviewed so far. This means it's in the Top 30%.

In addition, Utorg Card ranks #4 out of 15 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 25,000 EUR limit on average).
  • Their customer service is very good with a 9.3/10 score (others score only 7.6/10 on average).
  • Their overall fees & limits structure is incredibly generous, with a score of 7.8/10 (average fees & limits structure rating amongst other cards is 5.7/10).
  • 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).
  • Utorg Card vs. Metamask Card vs. Gnosis Card

    Utorg Card
    Metamask Card
    Gnosis Card
    Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~0.5% + Gas Fees 0% + Gas Fees 0% + Gas Fees
    Highest Cashback None None up to 5%
    Entry-Level Cashback None None 2%
    Daily Spending Limit 50,000 EUR 8,750 EUR 8,000 EUR
    Daily ATM Limit N/A (Virtual-Only Card) N/A (Virtual-Only Card) 500 EUR
    Foreign Exchange Fee 0% 0% 0%
    Asset Management Non-Custodial Non-Custodial Non-Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 5 3 2
    Apple Pay Enabled Enabled Not Enabled
    Customer Service Great Great 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. Utorg Card offers the highest daily spending limit of 50,000 EUR. You will get lower daily limits with Metamask Card and Gnosis 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, Gnosis Card offers the best cashback rewards of up to 5%. With Utorg Card and Metamask 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:

Chatin-app
Emailsupport@utorg.pro

Location: Utorg customer service reps are located in Serbia flagSerbia and Ukraine flagUkraine.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 responses are personalized, addressing customers by name, but typically do not include other specific account details unless requested.

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 7.2/10.

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, 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, Ukraine.

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.

Perfect. 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.

⭑cryptonoshi
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