CryptoPay Card
by CryptoPay
- Monthly fee
- $1.00
- Card fee
- $5.00
- Top-up fee
- 1%
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- No
Our verdict
CryptoPay is a UK-based card provider founded in 2013, one of the oldest in the industry. It pays 1% Bitcoin cashback on purchases, has no monthly subscription and supports GBP and EUR across much of Europe, but full KYC applies and limits are lower than rivals.
What we like
- +One of the oldest crypto card providers (2013)
- +No monthly subscription fees
- +1% Bitcoin cashback on purchases
- +GBP and EUR supported
- +Regulated by the FCA in the UK
Watch out for
- −Full KYC required
- −Limited to European markets
- −Spending limits lower than competitors
- −Not available in the US
4.8/10
Editor score
Poor
3.5/10
User rating
Based on 34 sources
Lv 3
KYC Level
ID verification
Regional
Availability
0 countries
Card Overview
Rewards
- Cashback
- 1%
- Cashback Crypto
- BTC
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- $1.00
- Card Issuance
- $5.00
- ATM Fee
- —
- FX Fee
- 3%
- Top-up Fee
- 1%
- Decline Fee
- —
Limits
- Daily Spend
- $30,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- $450
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
3.5/10
Sourced from
CryptoPay has been in the card market since 2013 and earns respect for its longevity, clean security record and solid B2B merchant API, but many see the retail card as outdated in 2026. Users on Reddit, Trustpilot and YouTube point to a heavy fee stack (1% load fee, 3% FX, €1 monthly maintenance, fixed ATM fees), no cashback or rewards, AML-triggered account freezes and card issuance limited to the UK and EEA. The mobile app is praised for its clean, minimal design but let down by compliance locks and missing Apple Pay and Google Pay support. Support is dependable for routine questions but slow and opaque when funds are frozen, and privacy practices involve broad third-party data sharing. It suits B2B merchants best, while retail users wanting rewards, low fees or self-custody should look elsewhere.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Bitcoin, Ethereum, Polygon
Frequently asked questions
Does the CryptoPay Card require KYC?
Yes. CryptoPay asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the CryptoPay Card charge?
The card has a monthly fee of $1.00, an issuance fee of $5.00, a top-up fee of 1%, an FX fee of 3%. See the fee table above for ATM and decline fees.
Does the CryptoPay Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the CryptoPay Card?
Availability is limited to specific regions; check the issuer's site for your country.
Which cryptocurrencies does the CryptoPay Card support?
BTC, ETH, LTC, XRP, USDT, USDC, DOGE, ADA, DOT, LINK.
Last updated August 19, 2026, verified August 6, 2026.