Keytom Card
Keytom · Visa
Keytom Card is the Visa card from Keytom, a digital-asset neobank offering a named EUR IBAN and a crypto account. The card (virtual free, physical 50 USDC, 10 USDC/month fee) auto-converts crypto at the point of payment. Crypto holdings are custodied and insured up to $100M via Fireblocks, so the model is custodial. EUR<->crypto spread is 1.5%; no cashback (0%). The virtual-card issuance fee is 0; the annual fee shown here (120 EUR) is the 10 USDC monthly fee over 12 months, expressed in EUR at 1:1. ATM: 2% (USD) / 3.35% (non-USD).
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Account fee | €120 |
|---|---|
| Multi-currency | EUR, USD, BTC, ETH, TRX, USDC, SOL, LTC, XRP, BCH, BNB, AVAX, TON |
| Network | Visa |
| ATM withdrawal | 2% |
| Free ATM limit | 3000 USD/giorno, 10000 USD/mese |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | APAC, EEA, LATAM · 150+ countries |
| Regulator | FINTRAC (Canada) |
| Segment | B2C, B2B |
| MiCA / License status | FINTRAC MSB (No. M21788474)Bank of Canada PSP (RPAA)VASP (Czech Republic) |
Strengths
- Named EUR IBAN plus crypto account and a Visa card in one app.
- Crypto insured up to $100M via Fireblocks (Marsh, Munich Re).
- Free virtual card with instant issuance and high spend limits.
- No notable sovereignty advantage documented.
Weaknesses
- Custodial model: keys and funds are managed by Keytom, not self-custody.
- No cashback (0%) and a 10 USDC monthly fee.
- Non-trivial conversion spreads: EUR<->crypto 1.5% plus a non-USD payment fee (2.35%).
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Custodial model with full KYC: crypto funds are held and managed by Keytom via Fireblocks (insured up to $100M), fiat funds in segregated accounts. No self-custody, so protection depends on the issuer and its Canadian FINTRAC registration.
Low sovereignty: custodial, mandatory KYC and crypto conversion handled by the issuer. The user does not control the keys and there is no non-custodial mode.
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 the Keytom Card custodial or self-custody?
It is custodial: crypto balances are held and managed by Keytom via Fireblocks infrastructure, insured up to $100M. It is not an on-chain self-custody card.
What does the Keytom Card cost?
The virtual card is free, the physical card costs 50 USDC, with a 10 USDC monthly fee. The EUR<->crypto spread is 1.5% and there is no cashback (0%). ATM withdrawals cost 2% (USD) or 3.35% (non-USD).
Sources
- Official service page Card issuance fee · Annual card fee · FX markup · ATM fees · +11 Data verified on Jun 23, 2026
- pymnts.com Founded · Regioni Data verified on Jun 22, 2026
- todey.xyz Cashback · Custodial · Kyc · Payment network Data verified on Jun 22, 2026