Zypto Premium Physical Card
by Zypto
- Monthly fee
- Free
- Card fee
- $100.00
- Top-up fee
- 3%
- ID check
- ID verification
- Card
- Physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Zypto Premium Physical Card offers very high limits of $1M per month with no monthly fee, loaded straight from DeFi wallets. Over 100 supported cryptocurrencies and premium travel perks target high-volume spenders.
What we like
- +Very high limits of $175K per transaction and $1M per month
- +No monthly fee on the Premium card
- +Load from 100+ cryptocurrencies directly from a wallet
- +First-class travel benefits and lounge access
- +Ships the next business day with instant activation
Watch out for
- −3% off-ramp loading fee
- −ATM limit of $250 per transaction, lower than the Classic card
- −Reports of card program termination issues in 2025
- −Exchange rate fixed at loading, not at purchase
- −Transaction and FX fees apply on top
7.7/10
Editor score
Good
7.3/10
User rating
Based on 19 sources
Lv 3
KYC Level
ID verification
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- 4%
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- $100.00
- ATM Fee
- —
- FX Fee
- 1.75%
- Top-up Fee
- 3%
- Decline Fee
- —
Limits
- Daily Spend
- $175,000
- Monthly Spend
- $1,000,000
- ATM Withdrawal
- $22,000
Card Info
- Card Type
- Physical 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
7.3/10
Sourced from
Users single out two strengths. Support is available 24/7 from human agents, with named staff praised on Trustpilot and Google Play for solving blockchain and KYC problems in minutes. Limits of $1M a month and $175K per transaction suit wealthy users and large holders. The app is seen as a neobank-grade interface similar to Cash App, and the ZYP rewards, pegged at $1 per 1,000 ZYP, give predictable value through gift cards, bill payments and card loads. Drawbacks include the mandatory 3% load fee, which means $1,500 on a $50K load, a $0.30 fee per POS transaction that punishes small purchases, and exclusion of Europe, Canada and Australia. An Android update bug in late 2025 made the app vanish from devices. Privacy is limited by GLBA data sharing with affiliates and KYC linking wallets to identities, and one r/Bitcoin case described fiat refunds lost because of single-use routing addresses. It fits high-volume global spenders but is expensive for casual use.
Category Breakdown
Features
Supported Cryptocurrencies
Frequently asked questions
Does the Zypto Premium Physical Card require KYC?
Yes. Zypto asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Zypto Premium Physical Card charge?
The card has a monthly fee of free, an issuance fee of $100.00, a top-up fee of 3%, an FX fee of 1.75%. See the fee table above for ATM and decline fees.
Does the Zypto Premium Physical 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 Zypto Premium Physical Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the Zypto Premium Physical Card support?
The issuer does not list supported assets.
Last updated August 19, 2026, verified August 6, 2026.