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Compare crypto credit cards by fees, KYC requirements, privacy scores, and features.

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  5. CryptoPay Card
CryptoPay Card
CryptoPay Card
ID Verification
Virtual Card Visa
4.8
Overall
Get This Card
CryptoPay Card logo

CryptoPay Card

by CryptoPay

Virtual Card•Visa•ID Verification
Get This Card

CryptoPay is a UK-based crypto card provider established in 2013, making it one of the oldest in the industry. The card offers competitive 1% cashback in Bitcoin on all purchases with no monthly fees. Supports GBP and EUR with widespread European availability.

Pros

  • +One of the oldest crypto card providers (2013)
  • +No monthly subscription fees
  • +1% Bitcoin cashback on purchases
  • +GBP and EUR support
  • +FCA regulated in UK

Cons

  • -Full KYC required
  • -Limited to European markets
  • -Lower spending limits than competitors
  • -No US availability
4.8/10
OverallFair
3.5/10
Community ScoreBased on 34 sources
Lv 3
KYC LevelID Verification

Table of Contents

Card Overview

Rewards
Cashback
1%
Cashback Crypto
BTC
Staking Rewards
✗
Staking APR
—
Welcome Bonus
—
Referral Bonus
—
Fees
Monthly Fee
$1
Card Issuance
$5
ATM Fee
Free
FX Fee
3%
Top-up Fee
1%
Decline Fee
Free
Limits
Daily Spend
$30,000
Monthly Spend
Unlimited
ATM Withdrawal
$450
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Visa
Apple Pay
✗
Google Pay
✗
Rewards
Cashback
1%
Cashback Crypto
BTC
Staking Rewards
✗
Staking APR
—
Welcome Bonus
—
Referral Bonus
—
Fees
Monthly Fee
$1
Card Issuance
$5
ATM Fee
Free
FX Fee
3%
Top-up Fee
1%
Decline Fee
Free
Limits
Daily Spend
$30,000
Monthly Spend
Unlimited
ATM Withdrawal
$450
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Visa
Apple Pay
✗
Google Pay
✗

KYC Requirements

Level: ID Verification
Email Verification
Required
Phone Verification
Required
Identity Document
Required
Proof of Address
Not Required
Selfie Verification
Not Required

Community Score

3.5/10
Sourced from
reddit.comreddit.comreddit.comreddit.comreddit.comreddit.comreddit.comreddit.comreddit.comreddit.comtrustpilot.comtrustpilot.comyoutube.comyoutube.comyoutube.comyoutube.comyoutube.comyoutube.comg2.comg2.comcryptorank.iobaxity.comreadbtc.compaywithmoon.comcoinsutra.comtradersunion.comcryptowisser.comfinance.yahoo.combitcointalk.orgcryptopay.en.aptoide.combleap.financechainup.comcryptoslate.commetamask.io

CryptoPay Card scores 3.5/10 across 30+ community sources. A veteran of the crypto card space since 2013, the platform earns respect for operational longevity, zero-hack record, and solid B2B merchant API, but its retail card is widely considered obsolete in 2026. Users on Reddit, Trustpilot, and YouTube consistently flag the punishing fee stack (1% load fee, 3% FX, €1/month maintenance, fixed ATM fees), total absence of cashback or rewards, aggressive AML-triggered account freezes, and strict UK/EEA-only card issuance. The mobile app is praised for its clean, minimalist UI but undermined by backend compliance locks and lack of Apple Pay/Google Pay support. Support is reliable for standard queries but opaque and slow when funds are frozen. Privacy practices are compliance-heavy with broad third-party data sharing. Best suited for B2B merchants; retail users seeking rewards, low fees, or non-custodial control should look elsewhere.

Category Breakdown

KYC Simplicity
3/10
Fee Efficiency
3/10
Reward Value
1/10
App Experience
6/10
Privacy
3/10
Support Quality
5/10

Features

ContactlessVirtual CardPhysical CardOnline PaymentsATM Access

Supported Cryptocurrencies

BTC iconBTCETH iconETHLTC iconLTCXRP iconXRPUSDT iconUSDTUSDC iconUSDCDOGE iconDOGEADA iconADADOT iconDOTLINK iconLINK