Cryptopay Card Review | Tier 1

Cryptopay

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7.5/10 (Expert Score)

Product is rated as #26 in category Crypto Cards

Cryptopay is a prepaid card with no overdraft fees, accepting crypto/stablecoin assets as balance. Use one of many supported ATM's and convert your cryptocurrency holdings to Fiat in one withdrawal. These cards currently only accept one cryptocurrency (BTC) as holdings, whilst offering conversion to 3 Fiat currencies (USD, EUR or GBP). There are a number of small fees on top of this service. For example, an initial £/€5 charge for plastic card delivery. There are also 1% loading/unloading fees, £/€2.5 domestic ATM fees & a 3% foreign exchange fee. Currently only available to those within the EU/UK. At Tier 3, users will pick from physical or virtual cards, operating as Visa cards and suitable for use worldwide. Please double check to ensure your region is accepted.

Features

Usability

Payment options

Fees and charges

Perks & rewards

6.5

Company & Reputation

7.5

Support

8.5

PROS:

Manage via mobile app
Easy withdrawal at ATMs
No domestic fees at POS
High daily spending limits
Easily lock/unlock card via app
Virtual & Physical cards available
Operates as a Visa card suitable worldwide
Savings options on BTC, ETH & LTC also available
Spend up to €30K in a single online transaction

CONS:

Prepaid
No perks
No cashback
Lots of little fees
Cards only available for Tier 3 verified clients
Exchange more expensive than some competitors
No bank transfers or card deposit support for tier 1

Specification: Cryptopay Card Review | Tier 1

Company & Availability

Insurance Coverage	Not specified
Eligible regions	Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, UK, USA
KYC	Yes

Savings Information

Supported Fiat Currencies	EUR, GBP, USD
Supported Cryptocurrencies
Gas fees	No fees

Availability

ATM Access	Worldwide
Pay In Local Currencies	Yes

Support

24 hour support	Yes
Live Support	Yes

Staking

Staking required	No
Token Ticker	No Token

Rewards

Cashback on spending	No
On Chain Rewards	None
Referral Rewards	Your friend will get a 25% discount on their first card order, while you will get 10% of the revenue from all the fees Cryptopay charges on £/€/USD/BTC accounts

Spending Limits

Daily ATM Limit	$500, max 5 withdrawals per day, £400, max 5 withdrawals per day, €450, max 5 withdrawals per day
Daily Purchase Limit	£27,000/ 30,000/ $34,500
Monthly ATM Limit	Unlimited
Monthly Purchase Limit	Unlimited

Fees

Signup fee	Plastic: $15 & Virtual: $2.50, Plastic: £/€5 & Virtual:Free, New prices soon, Plastic: £/€15 & Virtual: £/€2.50
Monthly fee	£/€/$1
Delivery Fee	No fee
Online/Offline Purchase Fees	No fee
Topping up fee	1%
ATM Fees	£/€/$2.50
International ATM fee	£/€/$3.50 + 3%
POS Foreign Transaction fee	3% of transaction value
Card Replacement Fee	£/€/$15
ACH Declined	Not specified
Charge back processing	£/€/$ 35.00
Dormancy	$5 after 365 days without activity, £/€5 after 365 days without activity
Exchange Rate Provider	Visa

Card Features

Instant settlement	No
Prepaid	Yes
Topping up limit	Cryptocurrency: €10,000 max. deposit, Max card balance = £45,000, €50,000, $58,000, Max topping up per day = £8,000, €8,800, $10,000
App Payments	No
Dual-Interface NFC/EMV (Card with chip)	Yes
Virtual Cards	Yes
Physical Cards	Yes