TAP Global
TAP Global
Tap Global is a multi-asset service (crypto plus fiat accounts with EUR and GBP IBANs) authorised in Gibraltar by the GFSC as a DLT provider, with a prepaid Mastercard for the EEA and the UK. Parent company Tap Global Group plc has been listed on AIM (London) since 27 June 2025. The card's FX markup is 1.5% and cashback, from 0.5% up to 8%, is paid in XTP tokens locked for 12 months.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · GB |
| Multi-currency | Yes · 3 currencies |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | Yes |
| SEPA transfer | Free |
| Interest on balance | 0% |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, UK, MENA · 35+ countries |
| Regulator | Gibraltar Financial Services Commission |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | DLT Provider (GI) Licenza DLT Provider (GFSC Gibilterra) |
Plans & pricing
Essential
- Price
- Free
- Issuance fee
- Free
- FX markup
- 1.5%
- Cashback
- 0.5%
- Cashback currency
- XTP
- Cashback cap
- €150
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- €500/mese gratis, poi 2%
- Net annual cost
- Free
- Crypto+fiat
- EUR/GBP IBANs
- Cashback in XTP locked 12 months
- No XTP to lock
Plus
- Price
- Free
- Issuance fee
- Free
- FX markup
- 1.5%
- Cashback
- 1.5%
- Cashback currency
- XTP
- Required staking
- 300 € in XTP
- ATM fee
- 2%
- ATM limit
- €500/mese gratis, poi 2%
- Net annual cost
- Free
- Crypto+fiat
- EUR/GBP IBANs
- Cashback in XTP locked 12 months
- €300 of XTP locked
Prime
- Price
- Free
- Issuance fee
- Free
- FX markup
- 1.5%
- Cashback
- 3%
- Cashback currency
- XTP
- Required staking
- 2.500 € in XTP
- ATM fee
- 2%
- ATM limit
- €500/mese gratis, poi 2%
- Net annual cost
- Free
- Crypto+fiat
- EUR/GBP IBANs
- Cashback in XTP locked 12 months
- €2,500 of XTP locked
Premier
- Price
- Free
- Issuance fee
- Free
- FX markup
- 1.5%
- Cashback
- 4%
- Cashback currency
- XTP
- Required staking
- 5.000 € in XTP
- ATM fee
- 2%
- ATM limit
- €500/mese gratis, poi 2%
- Net annual cost
- Free
- Crypto+fiat
- EUR/GBP IBANs
- Cashback in XTP locked 12 months
- €5,000 of XTP locked
Platinum
- Price
- Free
- Issuance fee
- Free
- FX markup
- 1.5%
- Cashback
- 6%
- Cashback currency
- XTP
- Required staking
- 15.000 € in XTP
- ATM fee
- 2%
- ATM limit
- €1.000/mese gratis, poi 2%
- Net annual cost
- Free
- Crypto+fiat
- EUR/GBP IBANs
- Cashback in XTP locked 12 months
- €15,000 of XTP locked
Prestige
- Price
- Free
- Issuance fee
- Free
- FX markup
- 0.25%
- Cashback
- 8%
- Cashback currency
- XTP
- Required staking
- 25.000 € in XTP
- ATM fee
- 0%
- ATM limit
- Prelievi ATM gratis illimitati
- Net annual cost
- Free
- Crypto+fiat
- EUR/GBP IBANs
- Cashback in XTP locked 12 months
- €25,000 of XTP locked
Strengths
- GFSC Gibraltar DLT licence; AIM-listed parent company; Mastercard with EUR/GBP IBANs and cashback up to 8%.
- No notable sovereignty advantage documented.
Weaknesses
- Cashback paid in XTP and locked for 12 months; the 8% rate requires €25,000 of XTP locked; 1.5% FX; £150,000 GFSC penalty (Oct 2025) over anti-money-laundering procedure failings.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Licenza DLT Provider (GFSC Gibilterra)): reporting to authorities and freezes on order.
Verdict
The mid-range rating reflects real but non-banking supervision: a GFSC Gibraltar DLT Provider licence, not a banking licence and no deposit protection, with the AIM-listed parent adding accounting transparency. The £150,000 GFSC settlement agreed in October 2025 over anti-money-laundering procedure failings weighs on the score. Fully custodial setup, full KYC and a 1.5% FX markup place the service squarely in the middle tier: supervised but not cheap.
Through this lens the verdict drops sharply: custody is entirely in the provider's hands, full KYC is mandatory, and there is no on-chain or self-custody component. The regulatory compliance that rewards the Tutela score is precisely what limits autonomy and privacy, leaving the user with no direct control over their own keys.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is TAP Global a real bank?
No: TAP Global operates under a DLT Provider licence issued by the GFSC in Gibraltar, not a banking licence. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with TAP Global?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does TAP Global support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does TAP Global support?
The app offers multi-currency accounts with personal EUR and GBP IBANs; the total number of supported fiat currencies is not officially documented.
Can I withdraw crypto on-chain from TAP Global?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- cryptonoshi.com Cashback · Paesi num Data verified on Jul 20, 2026
- cryptowisser.com FX markup · ATM fees · ATM limits · Regulator Data verified on Jul 20, 2026
- fintech.gi Licenses & registrations · Regulatory framework Data verified on Jul 20, 2026
Show 10 more sources
- fsc.gi Licenses & registrations · Paese licenza · Regulator · Regulatory framework · +4 Data verified on Jul 20, 2026
- investegate.co.uk Contro it · Contro en · Verdetto tutela it · Verdetto tutela en Data verified on Jul 20, 2026
- opencryptocards.com Cashback · On-chain crypto withdrawals · Staking richiesto · FX markup · +2 Data verified on Jul 20, 2026
- sweepbase.net Cashback · Staking richiesto Data verified on Jul 20, 2026
- uktech.news IPO date · Stock listing Data verified on Jul 20, 2026
- withtap.com IBAN countries · SEPA fee · FX markup · ATM fees · +5 Data verified on Jul 20, 2026
- investor.tap.global Founders · Legal name · Company type · Corporate site Data verified on Jun 14, 2026
- londonstockexchange.com Stock ticker · Stock listing · IPO date · Valuation Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- tap.global OAM Italy registry · Past incidents · Monthly fee · Multi-currency · +1 Data verified on Jun 13, 2026