Cryptopay Card
Cryptopay · Visa
Cryptopay is a Visa crypto card operating since 2013, with a long track record and Apple Pay and Google Pay support. It requires full KYC (ID document + selfie), in line with AML/MiCA obligations. It is weighed down by a €1 monthly fee (€12/year), an FX markup up to 3% and no cashback.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | €12/year |
| Free ATM limit | €400/gg (non verif.) · €2.000/gg (verif.) |
| ATM withdrawal | Free |
| FX markup | 1.95% |
| Cashback | Not disclosed |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 3/10 |
| Supported countries | EEA, UK · 32+ countries |
| Estimated net annual cost | €12/year |
| Regulator | Bank of Lithuania; UK FCA |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | EMI (partner DiPocket UAB); FCA registered crypto asset business FCA registrato |
Plans & pricing
Strengths
- Track record since 2013; Visa with Apple/Google Pay; FCA registration.
- No notable sovereignty advantage documented.
Weaknesses
- €1/month fee; FX up to 3%; no cashback; full KYC required.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (FCA registrato): reporting to authorities and freezes on order.
Verdict
The C tier fits a costly, low-benefit profile for the ordinary user: a roughly €1/month fee, an FX markup up to 3% and no cashback. In its favour are a track record since 2013, FCA registration and Apple/Google Pay support, but the value returned to the consumer is limited.
On the crypto-native side Cryptopay offers little: it is a custodial, full-KYC card (ID + selfie), with no on-chain settlement and funds held by the issuer. No self-custody and full traceability: the sovereignty profile is low, like other custodial exchange products.
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.
Reputation
What happened to people who used Cryptopay Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
Trustpilot ↗
2.8/5
999 reviews
Polarised distribution: 64% five-star (mostly historical) versus 21% one-star. Only 10 reviews in the last 12 months and the most recent ones are negative (KYC blocks, closed cards, funds hard to recover); the company replies to 66% of negative reviews.
Weighted average across 1 public review platform (999 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Cryptopay Card a safe card?
Cryptopay Card is a custodial card on the Visa network, with full KYC (ID + selfie). As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is custodial.
How much does Cryptopay Card cost?
The fee is €1 per month (€12/year). Issuance is free. The FX markup reaches up to 3%. It supports Apple Pay and Google Pay.
Does Cryptopay Card offer cashback?
Cryptopay Card does not offer crypto cashback.
Is Cryptopay Card available in Italy?
Yes, Cryptopay Card is available in Italy.
Is Cryptopay Card custodial or self-custody?
Cryptopay Card uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- help.cryptopay.me Blockchain Data verified on Jul 10, 2026
- baxity.com Supported currencies Data verified on Jun 14, 2026
- find-and-update.company-information.service.gov.uk Issuer Data verified on Jun 14, 2026
Show 5 more sources
- pitchbook.com Issuer Data verified on Jun 14, 2026
- tradingfinder.com Plans & pricing Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- crunchbase.com Founders Data verified on Jun 13, 2026
- cryptowisser.com Annual cost Data verified on Jun 13, 2026