1inch Card Review: Programme Status and Cardholder Advice

The 1inch Card is closed to new applicants, and there is no way to sign up for it now. The card’s own help page carries a discontinuation notice, tells existing holders to move their balance out as soon as reasonably possible, and names 18 December 2026 as the furthest date the programme is prepared to discuss. I scored it 4.4 out of 10 — but read that number carefully, because for a card you can no longer apply for, the score is mostly a description of how the ending is being handled, not a recommendation to go and try.

The conditions described here are current as of 21 October 2026.

Who this page is for, plainly: if you were reading about the 1inch Card because you were thinking of applying, stop — that option is gone. If you already hold one, the useful part is the “if you already have the card” section below, and you should read it before anything else on this page. Everyone else will get the most from the score table, the alternatives, and the background on how these cards work.

Verdict: 4.4 out of 10, and the leading zero belongs to “can I get one”

The arithmetic is 0 + 7 + 6 + 2 + 9 = 24, and my score of 4.4 out of 10 reflects that total. The highest mark in the table, everyday use, is also the saddest one: it describes a card that genuinely worked well in the hand and is now being switched off. Nobody scores a good card down for the card company’s decision to end it; the low total is mostly a signal about timing.

Who it suits now: existing holders who want a clean, unhurried exit. Who it does not suit: anyone looking for a crypto card to apply for in the near future, and anyone who would be relying on support after 18 December 2026.

What happened to the programme

The card was launched on 8 April 2024, in partnership with Mastercard and a card provider called Crypto Life. The launch announcement described physical and virtual cards “powered exclusively by the Mastercard network”. That blog post was updated on 8 May 2026, which is worth noting only because it shows the marketing side of the product was still being maintained months into the wind-down.

Then the notice came. The card’s help page now says plainly: “The 1inch Card programme is being discontinued”. New sign-ups are closed. The notice does not carry a date of its own — the page does not state when the announcement was published — but it names 18 December 2026 as the point by which users are advised to have moved out, and it says timelines are set by the issuer and provider.

So this is not a question of a card quietly degrading. It is a published shutdown with a deadline written into it.

One thing I want to be clear about, because it trips people up: the card’s own notice does not list the countries it was available in, does not restate the identity-check requirements, does not describe the fee schedule, does not name the networks the supported tokens lived on, and does not mention any rewards programme or tier structure. On all of those the notice is silent. If you are hunting for that information on 1inch’s own site to check whether you were affected, you will not find it there.

A third-party card directory, which is not the card company and does not speak for it, describes the programme as having been open in the EEA and the UK and not offered in the US, and describes a mandatory identity check with a lower-limit basic tier. Treat that as unofficial background rather than a confirmed list — and note that even if it was accurate, the list is now academic, because no one can apply.

If you already have the card

This is the section that matters if you are reading because you have money sitting in the card account.

The advice on the notice is to withdraw or spend your balance as soon as reasonably possible by signing in to your card account. The stated furthest foreseeable date is 18 December 2026. I would not treat that date as a comfortable deadline to plan around; treat it as the last moment, and aim to be done well before it.

Three practical points that follow from how this is structured:

• The balance sits in an e-wallet issued by Monavate, not by 1inch. Monavate Ltd is the UK entity, UAB Monavate the EU one. The issuer’s own card terms, section 16, say remaining e-wallet funds can be redeemed up to six years after account closure. That is a clause about redemption, not a schedule you should bank on — and the notice itself warns that timelines are set by the issuer and provider.
• Withdrawal fees are not stated on the card’s notice. Ask before you assume a withdrawal is free.
• Any refund or dispute process is likewise not stated on the notice. If you have a transaction in dispute, raise it now rather than in December.

On support: card balance, status, identity-check, closure and personal-data requests go to Crypto Life — by email or through the chat inside the card account. If Crypto Life does not respond, the notice says to contact 1inch support with the request, the date and the channel used. 1inch will log the case and escalate it, but it cannot action account-level requests itself. That is the honest shape of the arrangement: 1inch can shout; the company that actually holds your balance is the one that has to move. Languages and working hours for support are not stated.

On top-ups and limits, the card’s own pages say nothing. A third-party directory lists a daily spending limit of 8,000 USD and an ATM fee of 2% with a 500 USD daily ATM limit, and a separate directory entry gives EUR 8K daily and EUR 5K monthly. Unconfirmed. And the launch announcement said the card needed only crypto sitting in your 1inch Wallet, converted to fiat at the moment of payment — which was the design, not a promise about which networks were supported.

If you are a holder and something in the right-hand column matters to you — the cashback rate, the ATM limit — treat it as a description of the card as it was, not as a commitment about your wind-down.

What can go wrong

The biggest risk is not fraud. It is inertia. A card that still works is easy to forget, and the failure mode is a balance that sits there until the programme stops.

The second risk is the counterparty chain, and it is worth understanding because it explains who actually owes you money. Your balance is held in an e-wallet at an authorised e-money institution, Monavate. It is not held by 1inch. The card provider is Crypto Life, which is Frozen Time UNIPESSOAL LDA in the EU or Baanx Group Ltd in the UK. So there are at least three separate companies between you and the money, and when something goes wrong you may be talking to all three in turn. The launch announcement’s wording on custody is genuinely ambiguous — it says users keep control “while still retaining custody” — which is not a sentence that should make you feel settled about who holds what.

On complaints: I found no card-specific official complaints process, and no refund or dispute route is described on the notice. The public rating picture for 1inch overall is mixed. A directory that aggregates review data showed 4.2 out of 5 from 543 reviews, while Trustpilot itself, read on 20 October 2026, showed 3.6 out of 5 across 547 reviews — but only 6 of those in the last twelve months, 79% five-star and 5% one-star, with the company replying to 16% of negative reviews. Read that carefully: the low recent review count is the more useful number, because a rating that has barely moved in a year is not telling you much about today.

The user reports that do concern the card cluster in one place, and it is not a reassuring place:

• a USDC deposit to the “1inch crypto card” confirmed on-chain but never credited (1 October 2026)
• a card transfer that never arrived (30 September 2026)
• a USDC deposit uncredited for more than 20 hours, with the answer “under review” (1 September 2026)
• a withdrawal pending more than 30 days (February 2026, wallet rather than card)
• slow, generic support replies (June 2025, October 2025, June 2026)

If your deposit is sitting uncredited today, that is the situation this page cannot solve. Contact Crypto Life through the card account, and escalate to 1inch support with the request, date and channel if they do not move.

On security features: whether the card account offered two-factor authentication, an instant freeze or spending controls is not stated. Do not assume they existed.

What can go wrong, ranked: you wait too long; your support requests bounce between parties; a deposit goes uncredited with no fast remedy; a refund or dispute has no published route; you lose a six-year redemption clause you never expected to use.

What to take instead

Three cards that are open, with published terms and a real support structure. All three scores are mine on the same scale as the 1inch Card, so you can compare like with like.

MetaMask Card is the strongest of the three on my scale, and the reason is not the cashback — it is that the card spends straight from your own connected wallet, so there is no stored balance to strand. It is also the most restricted: sign-up is open in 45 listed countries, US and UK sign-ups are temporarily closed per the FAQ, and proof of residency is required. An ineligible region limits sign-up, not spending. That is the right way round, and it is not how every card in this category works.

KAST is the one with the widest card range and the fussiest eligibility rule. The country list appears at the KYC screen rather than in public documentation, and the rule about identity documents cuts both ways: dual citizens holding an ID from a supported country may pass, while people living in a supported country with only an ID from a restricted region may still fail. A VPN does not bypass it, and only your own ID counts. You can create an account in an unsupported country; the KYC stays locked. Its fees are also the most intricate of the three — non-USD transactions under 25 USD cost 0.10 USD, a declined payment costs 0.50 USD, and non-stablecoin tokens may be auto-converted at a fee shown in the app.

Zeal is the quiet option. It advertises up to 4% cashback in GNO on Gnosis Chain, provided you hold GNO in the card Safe to qualify, and it lists a variable APY on EUR and USD balances in its App Store listing. What it does not do is publish a fee schedule at all, which is a poor look for a product you are being asked to hold money on.

On Russia, Belarus and CIS readers specifically, since I know that is often the underlying question: none of these cards, and not the 1inch Card, changes the position created when Visa and Mastercard suspended operations in Russia in March 2022. Cards issued by Russian banks stopped working abroad, which is the reason people who left began looking for foreign-issued cards in the first place. There is no workaround here and I am not going to describe one. What I can tell you is where citizenship and residence are handled separately, and you should expect to be screened on both. Nationality is recorded and screened separately from residence because sanctions screening and issuer risk policy are applied to citizenship and country of birth as well as to country of address. In MetaMask’s case, sign-up is residence-based and citizenship is not stated; KAST’s rules turn explicitly on which identity document you hold; Zeal’s citizenship rule is not stated and its programme list is regional. If you are a Russian citizen living outside Russia, check the eligibility rules against where you actually live and what passport you hold, in that order. If you live in Russia or another CIS country, expect the practical answer to be that these programmes are not addressing you, and plan on that basis rather than looking for a technical fix.

None of this is tax or legal advice, and I am not offering any. If you are spending a crypto balance through any of these cards, be aware that in the US the IRS treats digital assets as property, so exchanging them for goods, services or dollars generally produces a taxable gain or loss measured at the value on the date of the transaction — which can make each card payment a separate taxable event. Ask a qualified adviser about your own situation.

Who I would recommend it to

Only one group, and it is a shrinking one: existing 1inch Card holders who have a balance, who want to move it deliberately rather than reactively, and who will treat 18 December 2026 as a hard stop rather than a target. For them the card’s ending is manageable. Sign in, withdraw or spend, keep screenshots of every request and every date, and if a deposit is uncredited escalate to 1inch support with the request, the date and the channel, since they log and escalate even though they cannot action account-level requests themselves.

For everyone else — anyone considering applying, anyone comparing crypto cards today — the recommendation is not this card. Look at MetaMask Card if your country is on its list and you want your crypto to stay in your own wallet until the moment you pay. Look at KAST if you want a physical metal card and are willing to read the fee table. Look at Zeal if the rewards are what draw you in, and accept that you will not find a published fee schedule.

The lesson worth carrying from a shutdown like this one is unglamorous. When a card programme says it is being discontinued, the important number is not the cashback rate; it is who holds your money, what the redemption clause says, and whether anyone publishes a route to complain. Here, the money is at an e-money institution rather than at the crypto brand, the redemption clause runs up to six years, and the complaint route runs through a provider you are not contracting with. Those are the things to check on the day you sign up, not the things to discover on the day it closes.

Frequently asked questions

What is the 1inch Card?

It was a Mastercard debit card launched on 8 April 2024 in partnership with Mastercard and a card provider called Crypto Life, with both physical and virtual versions, converted from crypto held in your 1inch Wallet at the point of payment. It launched as a web3 card and was marketed that way for two years. The launch announcement was updated on 8 May 2026. The programme is now being discontinued and no new applicants can sign up.

Can I still apply for a 1inch Card?

No. New sign-ups are closed, and the card’s help page states that the programme is being discontinued. I scored “who can get it” zero out of ten for exactly this reason. There is no waitlist, no grandfathering clause mentioned and no reopening date given. If you were planning around applying, that plan needs replacing rather than adjusting.

Is 1inch a bank?

No. 1inch is a crypto aggregator and decentralised exchange platform, not a bank and not an e-money institution. Your card balance sits in an e-wallet issued by Monavate — Monavate Ltd in the UK, UAB Monavate in the EU — which is an authorised e-money institution. An EMI can issue e-money and payment cards but cannot lend.

Why did the 1inch Card close?

The official reason given is simply that the programme is being discontinued; no commercial explanation appears on the notice. The notice does not carry its own publication date. What is on record is the outcome: new sign-ups closed, holders advised to move balances by 18 December 2026, with timelines set by the issuer and provider.

I have a 1inch Card — what should I do now?

Sign in to your card account and withdraw or spend your balance as soon as reasonably possible. 18 December 2026 is the furthest date the notice discusses, not a comfortable target. Note that your balance is at Monavate rather than 1inch, that issuer terms section 16 allows redemption of remaining e-wallet funds up to six years after account closure, and that withdrawal fees are not stated.

Who do I contact about a 1inch Card balance or closure?

Balance, status, identity-check, closure and personal-data requests go to Crypto Life support, by email or the chat inside the card account. If they do not respond, contact 1inch support with the request, date and channel — 1inch logs and escalates but cannot action account-level requests itself. Support languages and hours are not publicly stated.

Is 1inch Card safe?

The money sits in an e-wallet at an authorised e-money institution, which is a more reassuring structure than a crypto brand holding it directly. But user reports include USDC deposits confirmed on-chain and never credited, a card transfer that never arrived, a withdrawal pending 30-plus days, and slow generic support. Trustpilot showed 3.6 out of 5 from 547 reviews, only 6 of them in the last twelve months.

What are the best alternatives to the 1inch Card?

On my scores, MetaMask Card at 7.1 out of 10 leads, because it spends directly from your connected wallet with no stored balance to strand — though sign-up is limited to 45 listed countries and US and UK sign-ups are temporarily closed. KAST at 6.1 out of 10 offers the widest card range but has the most complex eligibility and fee rules. Zeal at 6.1 out of 10 advertises strong cashback in GNO but publishes no fee schedule.

How much did the 1inch Card cost?

The card’s own pages do not state any fees, so nothing about cost is officially confirmed. Third-party listings, which are unofficial, describe an annual fee of 0 USD, a 0% FX fee, a 1.75% crypto conversion fee on every transaction, an ATM fee of 2% with a 500 USD daily ATM limit, and a daily spending limit of 8,000 USD. Another directory reports 2% card spend plus 1.75% conversion.

Can I use the 1inch Card in my country?

The card’s own notice does not list any countries, so there is no official answer to check. Third-party sources describe the programme as having been available in the EEA and the UK but not in the US — unofficial, and now moot, since no one can apply. For what to use instead, MetaMask Card lists 45 countries and territories, KAST’s list appears at its KYC screen, and Zeal runs in the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore, Philippines, Indonesia and Thailand.

Created by the ”Crypto Card Rating” editorial team.