Oobit Crypto Card
by Oobit
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Not listed
- ID check
- Full KYC
- Card
- Virtual
- Phone pay
- Apple Pay
Our verdict
Oobit offers a tap-to-pay experience that spends crypto directly from a phone, including self-custody wallets such as Phantom. A minimum fee on each transaction makes it a poor fit for small purchases.
What we like
- +Works smoothly with Apple Pay and Google Pay
- +Spends directly from self-custody wallets such as Phantom
- +No monthly maintenance or virtual issuance fees
- +Converts at the point of sale, so no pre-loading is needed
- +Wide support for blockchain networks and assets
Watch out for
- −$0.25 minimum fee per transaction weighs heavily on small purchases
- −FX and cross-border fees can add up to 6%
- −No ATM withdrawals on the main Tap & Pay product
- −Strict KYC and a long list of restricted jurisdictions
5.8/10
Editor score
Fair
5.5/10
User rating
Based on 30 sources
Lv 4
KYC Level
Full KYC
Global
Availability
22 countries excluded
Card Overview
Rewards
- Cashback
- 10%
- Cashback Crypto
- OOB
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- $500
- Referral Bonus
- $50
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- 3%
- Top-up Fee
- —
- Decline Fee
- $32.00
Limits
- Daily Spend
- $10,000
- Monthly Spend
- $300,000
- ATM Withdrawal
- $750
Card Info
- Card Type
- Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
- —
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
5.5/10
Sourced from
Users praise the self-custody design, where crypto stays in wallets like MetaMask, Phantom or Trust Wallet until the moment of the NFC tap, with no pre-funding. Dust consolidation, which combines small token balances into one purchase, and acceptance at roughly 90 million terminals are also valued. The zero-fee marketing does not match the actual costs: each tap carries up to 1% plus a $0.25 minimum and a conversion spread near 0.5%, so small payments can cost over 5%. Automated KYC through SumSub can leave edge-case profiles waiting for days. Support is the biggest complaint, with a buried FAQ button in place of live chat and multi-day email replies in emergencies. European users saw USDT rewards frozen in Q1 2026 under MiCA enforcement without clear notice. The live Google Play rating is 3.6-3.7, below the 4.7 shown on the official website.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Tron, BNB Chain, Solana, TON
Frequently asked questions
Does the Oobit Crypto Card require KYC?
Yes. Oobit asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the Oobit Crypto Card charge?
The card has a monthly fee of free, an issuance fee of free, an FX fee of 3%. See the fee table above for ATM and decline fees.
Does the Oobit Crypto Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is not supported, according to the issuer.
Which countries can get the Oobit Crypto Card?
It is available in most countries, except Afghanistan, Belarus, Central African Republic, China, Cuba, Ethiopia, Hong Kong SAR China, Iraq, Iran, North Korea, Lebanon, Libya and 10 more.
Which cryptocurrencies does the Oobit Crypto Card support?
BTC, ETH, USDT, USDC, USDR, EURR, EURC, USAT, XAUT, XRP, BNB, SOL, DOGE, ADA, BCH, LTC, TRX, TON, XLM, XTZ, VET, SHIB, OOB, AVAX, TRUMP.
Last updated August 19, 2026, verified August 19, 2026.