CoinW Card
by CoinW
- Monthly fee
- Free
- Card fee
- $15.00
- Top-up fee
- 2%
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
CoinW Card enables crypto spending in 176+ countries with minimal KYC. Singapore issuance reaches regions most crypto cards skip, but it sits in a regulatory grey area.
What we like
- +Available in 176+ countries, wider than most rivals
- +No annual fee or hidden charges
- +Free, quick KYC approval
- +Works with Google Pay and PayPal
- +Automatic USD to USDT conversion
Watch out for
- −2% fee on loading the card
- −Transaction fee of 1-2% depending on currency
- −Virtual only for now
- −Regulatory grey area in some regions
- −Exchange has a modest security rating (72nd on CER.live)
6.5/10
Editor score
Fair
4.8/10
User rating
Based on 40 sources
Lv 3
KYC Level
ID verification
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- $15.00
- ATM Fee
- —
- FX Fee
- 1%
- Top-up Fee
- 2%
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
4.8/10
Sourced from
CoinW Card works best as a quick off-ramp, not a daily card. Chia miners on r/chia describe selling holdings and spending them on the Visa card within about ten minutes, and the CoinW app is a strength at roughly 4.2/5, with a July 2026 patch adding self-serve card unfreezing. Drawbacks are consistent: top-up fees of 1.5 to 2% plus unclear USDT-to-fiat spreads that Canadian users see as real losses, no ongoing cashback beyond one-time activation bonuses, App Store privacy labels listing cross-site ad tracking, and a fiat deposit gateway said to ask for up to 12 months of bank statements. Balances sit in the same custodial exchange account that attracts Trustpilot complaints about freezes and profit clawbacks, so support responsiveness is the main counterparty risk.
Category Breakdown
Features
Supported Cryptocurrencies
Frequently asked questions
Does the CoinW Card require KYC?
Yes. CoinW asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the CoinW Card charge?
The card has a monthly fee of free, an issuance fee of $15.00, a top-up fee of 2%, an FX fee of 1%. See the fee table above for ATM and decline fees.
Does the CoinW Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the CoinW Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the CoinW Card support?
USDT, BTC, ETH.
Last updated August 19, 2026, verified August 6, 2026.