Fees
- Issue
- €4.99Physical Basic card issuance is €4.99; no separate virtual-card price is listed.
- Service fee
- €5/mo when inactiveThis is an inactivity fee, not a subscription: after 12 months without activity, €5 per month; from 1 October 2026, €6 per month.
- Top-up
- 1%Debit or credit card top-up.
- Purchases
- 0%The complete EU fee schedule has no separate ordinary EUR purchase fee. Funding and non-EUR payments have separate charges.
- Currency conversion
- 0.2–2%0.2% for non-EUR purchases in the EU and UK; 2% outside the EU and UK.
- Cashback
- Tier-based rewardsThe rewarded-spend limit depends on the tier.
Paying for services
Not checked: ChatGPT, Claude, Midjourney, App Store, Google Play, Steam, Booking.
Who can apply
- Identity check
- An identity document is required
Other plans
RS Score
83/100- Security
- Issuer
- Cost
- In practice
- Access
- Convenience
- Rewards
Score inputs
- Launched 2016 source
- Custody regulated EMI/bank source
- Issuer Foris MT Limited source
- Incident 2024-03 The Dutch central bank (DNB) fined Crypto.com EUR 2.85M for serving NL users without registration (2020-2022); under appeal. source
- Incident 2025-09 A previously unreported Scattered Spider intrusion into a Crypto.com employee account exposed personal data of 'a very small number' of users; no funds were accessed. The attack happened before March 2023; the date shown is when it was reported. source