Tap Card
by Tap
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Not listed
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Tap's card offers cashback up to 8% across membership tiers, plus a UK-based IBAN account. With $100M of BitGo insurance and 48 supported cryptocurrencies, it works as a broad crypto banking package.
What we like
- +Cashback up to 8% at the VIP tiers
- +UK IBAN bank account included
- +$100M cold storage insurance through BitGo
- +48 cryptocurrencies supported
- +No fees on any ATM withdrawal
Watch out for
- โEntry tier earns only 0.5% cashback
- โNo Apple Pay
- โFunds must be converted before loading
- โ15,000 EUR daily spending cap
- โReviews of card and banking features are mixed
7.4/10
Editor score
Good
5.0/10
User rating
Based on 30 sources
Lv 3
KYC Level
ID verification
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- 8%
- Cashback Crypto
- โ
- Staking Rewards
- โ
- Staking APR
- โ
- Welcome Bonus
- โ
- Referral Bonus
- โ
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- โ
- FX Fee
- 1.5%
- Top-up Fee
- โ
- Decline Fee
- โ
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
- โEmail verificationRequired
- โPhone verificationRequired
- โIdentity documentRequired
- โProof of addressNot Required
- โSelfie verificationNot Required
Community Sentiment
Community Score
5.0/10
Sourced from
Tap Global's users are split. People credit its regulatory standing (GFSC, LSE), the smart-routing exchange and wide Mastercard acceptance. Critics point to Android instability that blocks onboarding, a punitive $35 withdrawal fee that traps liquidity, KYC reviews taking up to 10 days, and a volatile XTP token that requires lock-ups between โฌ300 and โฌ25k. The iOS app is rated 4.5 stars against 3.4 for Android. It suits wealthy crypto natives best, while technical problems and unclear fees hold back wider use. Trustpilot sits at 3.5/5.
Category Breakdown
Features
Supported Cryptocurrencies
Frequently asked questions
Does the Tap Card require KYC?
Yes. Tap asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Tap Card charge?
The card has a monthly fee of free, an issuance fee of free, an FX fee of 1.5%. See the fee table above for ATM and decline fees.
Does the Tap 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 Tap Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the Tap Card support?
The issuer does not list supported assets.
Last updated August 19, 2026, verified August 6, 2026.