Crypto.com Card Review

The Crypto.com card is a prepaid Visa that converts your crypto into local currency before you spend it. It runs on a tier system: you lock up CRO tokens, pay a monthly fee at some levels, and earn CRO cashback on every purchase. After working through the eligibility rules, the real cost of using it day to day, and how it compares to the alternatives, I would call it a solid choice for residents of Europe or Singapore who want to put a meaningful amount of CRO aside in exchange for tiered rewards. For everyone else, the combination of country restrictions and subscription fees makes it harder to recommend without thinking carefully first. The card sits in a market that keeps changing — issuer rules, fee schedules, Visa programme decisions and sanctions regimes can all move the goalposts — so it is worth understanding not just what the card does today but how the model works under the surface.

The conditions in this review are current as of 21 October 2026 and were checked against official Crypto.com help articles and cards pages.

Verdict

Crypto.com earns 7.0 out of 10 in this review. The card is well-built as a product: it is a prepaid Visa, accepted widely, with a clear tier structure and CRO rewards paid directly back to your wallet. The reason the score is not higher comes down to three things: eligibility is restricted by residential address and effectively excludes Russian residents, ongoing costs add up quickly unless you commit to staking CRO, and Trustpilot reviews of the wider Crypto.com brand (which houses the card) are overwhelmingly negative. If you live in a supported country and are comfortable locking up tokens, the card performs well. If you are outside those countries or simply want a low-fee prepaid card, there are simpler options.

The audience that gets the most out of this card is residents of Europe and Singapore who want tiered crypto rewards and are willing to lock up CRO to keep monthly fees down. For them the trade-off is genuinely favourable: a no-network-fee (or low-FX) prepaid Visa in euros or pounds, paid for partly by tokens they would likely be holding anyway, with a cashback stream in the same token. For US or Brazil users the calculation is different because the rewards, fees and currencies are not identical to the European model.

Who can get the card

The first hurdle is geography, and the rule is by residential address.

Crypto.com issues cards through different partners in each region, which matters because the regulator, the licence type and even the currency of the card all change with the partner. In the United States the card is issued by Community Federal Savings Bank, which is a Member FDIC bank and a US Visa U.S.A. licence holder. In Europe the card comes through Foris MT Limited. In Singapore the issuer is Foris Asia Pte. Ltd., a Major Payment Institution under the Monetary Authority of Singapore. Canada cards are issued by Digital Commerce Bank and offered by Foris, Inc.; Australian cards by Foris GFS Australia Pty Ltd, which holds an Australian Financial Services Licence; UK cards by ForisGFS UK Limited, an e-money institution authorised by the Financial Conduct Authority. In Brazil the card is denominated in USD and issued by Foris MT, for use outside Brazil only.

The European help article, dated 20 July 2026, lists thirty-one countries where the prepaid Visa is available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland and the United Kingdom. Russia and Belarus are not on this list. The rule is stated as “residential address in Europe / Singapore / non-Europe Brazil and LATAM,” so it is where you live that matters, not where you hold citizenship. The card’s public pages do not spell out a citizenship rule, and that omission is itself worth flagging: a Russian passport is not the disqualifying factor, the registered address is.

One unofficial source, CryptoCardHub (August 2026), lists Russia among ten restricted countries alongside Afghanistan, China, Cuba, Iran, North Korea, Somalia, Sudan, Syria and Yemen, though the same page also lists Sudan among supported countries, which makes the listing unreliable. What it confirms is the direction: Russia is not a supported market for this card. Older reporting from 2020 (CoinDesk, CoinCodex) noted that Russia, Turkey and Ukraine were not supported at launch. For Russian citizens living in an EU country, the residential address rule matters more than the passport; a Russian citizen in Moscow cannot apply, but a Russian citizen renting in Berlin and able to prove that address should be in a stronger position, modulo the issuer’s wider risk policy.

Currency follows the issuer: the European card is euro-denominated, the Canadian card is CAD only, the Brazilian card is USD. There is no multi-currency balance — the card carries one local currency per the issuer’s setup — so you cannot “hold” pounds on a euro card and switch balances at the till. Multi-currency features typical of some travel prepaid cards are not stated anywhere on the cards page.

If you have recently moved countries, that matters too. The fee articles on Crypto.com’s help centre are explicitly split by residential address (Europe / Singapore / non-Europe, Brazil and LATAM), so a recent address change can move you into a different fee schedule, with different issuance fees, FX thresholds and ATM caps.

How to get it

The cards page is lean on procedural detail and shows only the US identity notice — name, address, date of birth and a national ID number (SSN or a country-issued ID), with the option to upload a driver’s licence or other photo ID. The page does not state whether proof of address is required separately, what age verification the issuer uses, how long an application takes, what the decision levels are, or what the grounds for rejection might be. In an environment where most regulated issuers will at some point ask for a utility bill or a bank statement, the cards page is unusually quiet.

Unofficial reporting (CryptoCardHub, August 2026) suggests an identity document, a selfie and proof of address are typically requested, and that KYC processing can take from minutes to several days depending on document quality and the queues at the moment. None of this is confirmed by Crypto.com itself, so anyone planning to apply around a planned trip should assume a few working days of buffer rather than an instant approval.

Once you are approved, the next question is what card form arrives. Unofficial sources report that a virtual card is available immediately on approval and the physical card is shipped afterwards, which fits the broader pattern among crypto card issuers who want the card usable online the moment the account opens. Crypto.com’s own pages do not say which is sent first, and it is also not stated whether the virtual card is mandatory and the physical is optional, or whether some customers receive the physical first.

Issuance fees in Europe, taken from the regional help article, are €4.99 for the Midnight tier and €24.99 for the Ruby Steel tier. Certain upgrade and staker exemptions can waive the Ruby Steel fee. Replacements cost €45.01 on the Midnight tier and €50 on other tiers. Unofficial figures for US issuance put physical card pricing at USD 4.99 (Midnight) and USD 29.99 (Ruby Steel), with replacements at USD 7 (Midnight) and USD 50 (other); again, the cards page itself does not state US issuance costs in these dollar amounts directly, only that “top-up fees, interbank exchange rate and ATM fees may apply”. Delivery time is not stated anywhere on the official pages.

Fees

The cost story has two parts: the tier you choose (which determines your monthly bill and how much CRO you lock up), and the everyday charges on top. Underneath both is a third variable: the home country of the card, because most of the line items are quoted per region.

Reading the subscription tiers carefully, the labels on the page are jumbled and the same dollar amounts appear under more than one heading, which is something I have seen on Crypto.com’s marketing pages before. The practical reading is that the three subscription levels are Free (no monthly fee, no CRO lockup requirement on that tier; Midnight is the no-subscription card), $4.99 a month (or $49.90 a year, or a CRO lockup of $500), and $29.99 a month (or $299.90 a year, or $5,000 locked up). On top of that there are higher lockup tiers of $50,000 and $500,000 in CRO whose monthly fees the page does not spell out clearly. Anyone considering the higher tiers should confirm the current monthly figure in-app before staking.

The cost of converting crypto to load the card is built into the price at which you sell the crypto, so it does not appear as a separate line item on the user’s statement. Crypto is sold first, then the euro (or local currency) balance lands on the card, then the card is spent.

To see how those add up, walk through three everyday examples.

Coffee in your home country. You tap the Midnight card for €3 in a café. There is no subscription (the Midnight tier has no monthly fee and no CRO lockup required), the card has been pre-loaded, and there is no FX because the merchant settles in euros. The merchant’s own card acceptance still applies, but on Crypto.com’s side the payment is free.

Coffee abroad in pounds, Midnight tier. You tap for the equivalent of €3 in London. The Midnight fee is 0.2% inside the UK, so Crypto.com takes 0.2% on the conversion to your home currency, about one cent. Still effectively free in human terms. If you do the same in Tokyo, the FX rises to 2.0% outside the EU and UK, which is 6 cents on €3 — small in absolute terms but a much larger percentage. That is exactly the situation that makes “free to use” cards quietly expensive on a trip: small per-transaction percentages look harmless, but at scale — a week abroad, a dinner, a train ticket — they add up.

ATM withdrawal in Europe, Midnight tier, below €200/month. You take out €100. There is no fee, because you are inside the free allowance. The fifth withdrawal that month that pushes the running total past €200 triggers the 2% charge on the excess. The €2,000 daily and €10,000 monthly ATM caps also apply, and any third-party ATM operator’s own surcharge is counted against your allowance, so a €2 bank fee at a non-bank ATM eats into the free portion whether or not you realise it.

The other thing to plan around is the inactivity fee. If you stop using the card entirely, after twelve months without any cardholder-initiated activity the issuer charges €5 a month (rising to €6 from 1 October 2026), just for holding it. If you want to leave it dormant, plan to spend something small at least once a year, or close the card formally (the closure fee is €50). Saving €5 a month by closing cleanly is not a great trade versus a small annual card fee on a still-useful card, but the months add up if you have several cards you have stopped using.

Top up

Crypto.com gives you three ways to load the card and one important constraint: crypto cannot be loaded directly. The crypto in your Crypto Wallet or Cash Account has to be converted to the card’s local currency first, and only then is the balance available to spend.

The three sources for loading are the Crypto.com Crypto Wallet, the Crypto.com Cash Account and an external debit/credit card. The last option costs 1% per top-up in Europe, with a €20 minimum per load and an aggregated limit of €25,000 a month across all sources (matching the global $25,000/month cap). Maximum card balance sits at €25,000. Load frequency is capped at twelve top-ups a day and 140 a month. The Daily load limit in Europe is €25,000 (matching the monthly), and the yearly limit is €250,000. Crypto-to-card and cash-account-to-card go through the same caps, so you cannot get around the monthly ceiling by switching sources.

In practice this means a typical crypto holder is one extra step away from spending. You sell the BTC or ETH for euros inside the app, then the card balance updates. You cannot send USDC on Ethereum to the card and have it settle at the coffee shop. For someone who treats the card as an everyday spending tool topped up weekly, that extra step is barely noticeable; for someone trying to use it as a “directly spend stablecoin” product, it is the wrong shape. There is no auto-conversion at the moment of payment the way some stablecoin-first cards do it, so timing the conversion matters: sell when the rate is favourable, then load, then spend.

One practical detail the European article confirms: minimum top-up by debit/credit card is €20, so small bolt-on loads are not possible; you either commit to at least €20 per load or use the in-app sources instead.

Because the card is a prepaid Visa, the BIN identifies Crypto.com’s issuer — and some merchants and ATMs treat foreign-issued prepaid BINs with extra caution, especially where Address Verification Service is unavailable for non-domestic cards. Address Verification Service compares numeric parts of a billing address with what the issuer has on file, and is generally offered in the US, Canada and the UK only. With a prepaid card issued in a country you have just moved to, the AVS often comes back unmatched and the merchant treats that as a red flag. That can show up as an unexplained decline that isn’t actually the card’s fault.

Paying with it every day

Once the card is loaded, the experience is meant to look and feel like any other Visa.

The Crypto.com App is the control panel. On the US App Store it lists as “Crypto.com: Trade Every Market” and holds a 4.7/5 rating across roughly 336K ratings as of 20 October 2026, and Russian is among the supported languages in the listing. The page does not list a Google Play rating on the cards page. Unofficial sources peg Google Play at 4.5/5 over 661,155 ratings, but that figure is not from Crypto.com’s own pages. App quality is therefore mixed in the sense that the store reviews are positive while the Trustpilot reviews of the company are strongly negative — a pattern that often reflects people’s experience of specific issues (locked accounts, support waits) more than the app’s day-to-day quality.

CRO rewards are paid in CRO tokens to your Crypto Wallet after each eligible transaction. The main rate table on the cards page runs from Midnight Blue at 0% (no CRO earned), through Ruby Steel at 1% on up to $5,000 a month, Jade Green/Royal Indigo at 2% on up to $10,000, Icy White/Rose Gold at 3% on up to $25,000, and Obsidian at 4% on up to $50,000 — with lower “then” rates kicking in once you pass the monthly cap. Travel bookings earn more: up to 5%, 10%, 20%, 25% and 30% by tier. The cards page itself notes that certain merchant categories and sales channels are excluded from rewards; the full list is in a separate help article that is not as detailed as the main table. Smaller tables on the same page show different numbers — for example an older table quoted 1.5%, 2.5%, 3.5% and 4.5% Ruby-through-Obsidian rates — so users should treat the main table as the operative one and confirm in-app if a high-value plan depends on a specific rate.

Unofficial sources (CryptoCardHub, August 2026) report Apple Pay, Google Pay and Samsung Pay support, with availability varying by region. The official cards page does not state this. Tokenised mobile wallets use a device-specific number rather than the card’s PAN, which means a lost device does not expose the real card number and the issuer can block the tokenised number remotely. Apple Pay specifically replaces the card number with a Device Account Number stored in the Secure Element; each payment uses a one-time dynamic security code, and the issuer can restrict the tokenised number — for example, block it from use on the magnetic stripe or on websites.

Dispute and chargeback procedure is not described on the cards page. For a prepaid card, US chargeback rights under Regulation E are limited, and crypto-funded cards in particular add a layer of “is the underlying conversion taxable/disputable” that a standard bank card does not. That makes it doubly important to keep your own records of conversion timestamps and rates if you expect to dispute a transaction later.

The cards page notes that gambling and certain other merchant categories may be excluded, and a separate help article carries the full list. The card does not, on the official cards page, advertise any in-app fraud controls — there is no description of 2FA, instant freeze, spending limits or merchant blocks at the card level. In practice these are usually controllable in the Crypto.com App, but that is not confirmed by the cards page text.

What can go wrong

The main risks with this card are not dramatic, but they stack up.

Country restrictions can change. Crypto.com ships cards through specific regional issuers, and the card programmes themselves can be wound down by the network. Visa has suspended crypto card programmes in the past, including WaveCrest in 2018 across Europe (which closed all WaveCrest-issued Visa programmes overnight) and the FTX programme in November 2022 (when Visa said it had “terminated our global agreements with FTX” and the FTX US debit card was wound down by its issuer). This is a reminder that even a working card today can lose network support tomorrow. The pattern in those closures has been consistent: a notice period, then a stop on new loads, then spending ends, and the issuer asks users to withdraw the remaining balance. Newer secondary-source reports describe similar programmes closing on a schedule (for example, new loads ending 8 July 2026 and spending stopping 8 August 2026 for one unnamed programme), but those are single-source and unconfirmed.

Custodial risk is real because the model is custodial: your funds are held by Crypto.com and the regional issuer rather than in a self-custody wallet. The cards page references AICPA SOC, ISO 27701, ISO 22301 and PCI DSS as compliance frameworks; it does not describe insurance or safeguarding arrangements for customer funds. The UK issuer (ForisGFS UK Limited) is FCA-authorised as an e-money institution, which means it must safeguard customer funds by segregating them in dedicated accounts or insuring them, but those funds are not covered by the FSCS deposit guarantee, and an e-money institution failure is not handled the way a bank failure would be. In the US, the card issuer is a bank (Community Federal Savings Bank), so US-customer funds sit in a Member FDIC bank, but that protection is on the bank side — it does not turn Crypto.com’s crypto custody into a bank deposit.

Reliability and complaints are the headline risk in user-facing terms. As of 20 October 2026, Trustpilot scores Crypto.com at 2.0 out of 5 from 9,493 reviews, with 72% of reviewers leaving one star. The company replies to 31% of negative reviews, a coverage figure that suggests a real attempts at response even when the overall score is low. The themes in recent reviews — October 2026 onwards — are inability to fund the card, payment failures at checkout, subscription still being charged after cancellation, cashback terms changing after sign-up, withdrawals failing, long support waits and chatbot-style replies, and tokens being delisted without conversion. Most of the complaints are about the broader Crypto.com app and exchange rather than the card specifically, but the same support channels handle both. Live chat is available via chat.crypto.com, the Crypto.com App, or by phone (US 888-824-8817, Singapore 65-6264-0211); higher tiers get priority support, which is one of the perks that justifies the monthly fee.

Identity, KYC and sanctions screening. The cards page highlights compliance with the USA PATRIOT Act; the underlying application logic follows standard KYC rules — name, address, date of birth, identity document, sanctions screening. EU rules add nationality screening and a politically exposed person check. If due diligence cannot be completed, the institution is required to refrain from the transaction or relationship and, where necessary, end existing relationships. That is why accounts are closed or frozen pending documents, and it is not something a user can negotiate once a flag is raised.

Tax treatment. Crypto-funded spending typically counts as a disposal of the crypto for tax purposes in most jurisdictions: in the US the IRS treats digital assets as property, so each purchase can be a separate taxable event measured at fair market value on the date of the transaction; in many other countries the rule is similar in principle. The cards page does not provide tax guidance. Where you live determines the rule, not where the card was issued, and Crypto.com does not issue tax statements for card-funded crypto conversions.

For Russian speakers specifically: if you live in Russia, the Crypto.com card is not available to you. The EU/US/UK sanctions regime that took effect after 2022 means many foreign bank cards stopped working in Russia and Russian-issued cards stopped working abroad, leading to increased demand for foreign-issued options among affected residents. Crypto.com’s residential address rule means a Russian citizen living in Berlin should be able to apply for the European card under that address, while a Russian citizen in Moscow cannot. Russian citizens elsewhere face the same sanctions and KYC rules as everyone else; citizenship alone is not what’s checked, but the residential address and the issuer’s risk policy both are. Unofficial sources mention Russian as one of the supported languages in the app, but Russian-language support hours and phone lines are not stated on the cards page. For people in other CIS countries, the situation varies: Kazakhstan’s AIFC and Georgia’s market, for example, are supported by some alternative cards but not by Crypto.com; Belarus is not listed as supported by Crypto.com.

What to take instead

Crypto.com is not the only way to spend from a crypto balance, and three alternatives cover different needs.

Bybit Card runs in Argentina, AIFC (Kazakhstan), Georgia, Kazakhstan, Australia, Mexico, Brazil, Peru and parts of Asia Pacific. It supports virtual and (in most of those regions) physical cards, has no annual fee and uses tiered cashback up to 10% for top-tier users, with a welcome offer of 10% cashback up to 110 USDT in the first thirty days. The card has no balance of its own: it draws on your Funding Account and Flexible Easy Earn, selling crypto at the One-Click Sell rate plus a 0.9% conversion fee in most regions. Bybit explicitly does not serve European Economic Area customers, and Belarus, the Russian Federation, Serbia, China and the United States are restricted for fiat services.

Coinbase Card is a Visa prepaid debit available in all US states except Hawaii, with no spending fees and no annual fees. A spread applies on crypto conversion (Coinbase does not charge a separate transaction fee on top), and an optional crypto rewards program lets you pick a rotating reward coin — the rate varies. It’s the simplest of the three for a US resident who already uses Coinbase, and the most limited geographically. Disputes and the underlying consumer protections are US-standard, given that the issuer is US-based.

OKX Card is an EEA-launched Mastercard debit in euro, backed by OKX Pay (USDC or USDG balance). It has no card fee and no transaction fee, with a conversion spread of 0.1% per the May 2026 explainer (versus 0.4% in the launch press release, a conflict the explainer is more recent). Rewards pay only on USDG-funded purchases, ranging from 2% at the Regular tier to 10% at VIP4+. There is no auto top-up: a payment is declined if your USDC/USDG balance is insufficient. The card is virtual, euro-denominated, and launched in late January 2026.

For a US resident who wants a no-fee Visa and already holds crypto on Coinbase, the Coinbase Card is the easier choice. For a resident of Kazakhstan, Georgia or Brazil who wants tiered cashback and doesn’t mind the conversion spread, the Bybit Card works. For an EEA resident holding stablecoins, OKX Card is a closer competitor to Crypto.com. Crypto.com itself wins for someone in Europe or Singapore who is comfortable committing CRO to a lockup and wants the deepest tier of cashback plus paid-for perks like airport lounge access.

Who I would recommend it to

I would recommend the Crypto.com card to a resident of a supported European country or Singapore who already holds — or is willing to buy and lock up — a meaningful amount of CRO, and who wants a prepaid Visa that pays back in CRO with the higher tiers unlocking perks like airport lounge access and subscription rebates. The Midnight tier is also worth a look for anyone who wants a basic no-monthly-fee prepaid Visa in euros and is happy to forgo cashback.

I would not recommend it to a Russian resident (the card is not available), to anyone outside the supported countries unless they are willing to relocate their residential address, or to anyone who does not want to commit CRO to a lockup or pay a monthly subscription. For a US resident, the Coinbase Card is the simpler path; for a LATAM or Central Asia resident, the Bybit Card may serve better; for an EEA resident focused on stablecoins rather than CRO, OKX Card is the more direct alternative.

Before signing up, check three things in this order: confirm your residential country is on the supported list, look up the per-region help article for your specific country’s fee schedule and limits (the figures vary), and decide how much CRO you are willing to lock up — the monthly fee is small at Midnight, but it grows quickly at Ruby Steel and the premium tiers. If the underlying crypto position does not justify the lockup, the card loses its main reason to exist and you are left with a prepaid Visa that has higher monthly fees than several no-subscription alternatives.

Frequently asked questions

What is the Crypto.com card?

It is a prepaid Visa card issued by region-specific partners (Community Federal Savings Bank in the US, Foris MT Limited in Europe, Foris Asia in Singapore, and others). Crypto you hold in the Crypto.com app is converted to the local currency and loaded onto the card; you then spend that balance wherever Visa is accepted.

How does the Crypto.com card work?

Crypto in your Crypto.com Wallet or Cash Account is sold for the card’s local currency, that currency balance is loaded onto the prepaid Visa, and you tap or insert the card at merchants. CRO cashback is paid back into your Crypto Wallet after each eligible transaction. The card is prepaid, so it cannot overdraw and you can only spend what you have loaded.

Is Crypto.com a bank?

No. Crypto.com is not a bank. The US card is issued by Community Federal Savings Bank (a Member FDIC bank), but the cards in Europe and elsewhere are issued by electronic money institutions (Foris MT Limited in Europe, ForisGFS UK Limited in the UK, and others), which are not banks. E-money institution client funds are not covered by deposit guarantee schemes like the FSCS in the UK.

Who owns Crypto.com?

The brand Crypto.com operates the platform that markets the cards; the issuing bank or e-money institution depends on your country of residence. The cards page lists Community Federal Savings Bank (US), Foris MT Limited (Malta/EU and USD card), Foris Asia Pte. Ltd. (Singapore, MAS Major Payment Institution), Digital Commerce Bank (Canada), Foris GFS Australia Pty Ltd and ForisGFS UK Limited.

Is the Crypto.com card available in my country?

It depends on where you live. The publicly listed supported region for Europe includes 31 countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland and the UK), plus the US, Singapore, Canada, Australia and Brazil (USD card for use outside Brazil). Russia and Belarus are not supported. The rule is by residential address; citizenship is not stated as the basis.

How do I apply for the Crypto.com card?

You create an account on Crypto.com, complete the identity verification (the cards page references US PATRIOT Act checks: name, address, date of birth, national ID number, with photo ID upload available), and apply through the app once approved. Unofficial sources report that a virtual card is available immediately on approval and a physical card is shipped afterwards.

Does the Crypto.com card require KYC?

Yes. Identity verification is required under standard KYC rules; the cards page shows only the US identity notice (name, address, date of birth, national ID number, photo ID). Unofficial sources describe an identity document, selfie and proof of address as typically requested. Processing time, decision levels and rejection criteria are not stated.

How do I top up the Crypto.com card?

You can top up from the Crypto.com Crypto Wallet, the Crypto.com Cash Account or an external debit/credit card. Crypto must be converted to the card’s local currency first before being loaded; crypto cannot be sent directly to the card balance. Card top-up by debit/credit card costs 1% in Europe with a €20 minimum.

How do I add the Crypto.com card to Apple Wallet?

Unofficial sources (CryptoCardHub, August 2026) report Apple Pay, Google Pay and Samsung Pay support with availability varying by region. The official Crypto.com cards page does not confirm this. If supported in your region, you would typically add the card through the Crypto.com App or the wallet app on your device using the card details.

Is the Crypto.com card safe?

Safety depends on what you compare it to. The cards page references AICPA SOC, ISO 27701, ISO 22301 and PCI DSS compliance frameworks, but it does not describe insurance or safeguarding of customer funds, and the underlying model is custodial — your crypto is held by Crypto.com and the issuer rather than in a self-custody wallet. Card-level features like 2FA, instant freeze and spending controls are not described on the cards page. Trustpilot reviews of Crypto.com are predominantly negative (2.0/5 across 9,493 reviews, 72% one-star), driven largely by the app and exchange rather than the card specifically.

Published by the Crypto Card Rating team.