Crypto.com Visa Card

Visit Crypto.com Visa Card →

Crypto.com Visa Card scores 7 of 16 on the CBL Card Score. Crypto.com, Visa. Custodial; no EEA safeguarding statement found. Foris MT, group's own Malta e-money institution.

CBL Card Score: 7 of 16

Criterion	Points	What we found	Source
Custody	0 of 2	Custodial. A prepaid card loaded with fiat; crypto is converted before it can be spent (official). The UK page says funds received are held in a segregated account (official, crypto.com/uk/cards). No safeguarding statement found on the EEA card pages (official, checked 12 Oct 2026).	official checked 12 October 2026
Issuer and licence	2 of 2	Issued in the EEA by Foris MT Limited under its Visa principal member licence; Foris MT is an MFSA-authorised electronic money institution (official, crypto.com/eea/cards). The issuer belongs to the Crypto.com group, with no outside bank behind it.	official checked 12 October 2026
Availability	1 of 2	EEA, UK and US (official). A Mastercard version serves Bahrain and select GCC markets (official). The UAE and Saudi Arabia are not named on any official card page; one UAE outlet listed the card as coming soon (third-party: Gulf News, 12 July 2025).	official checked 12 October 2026
FX fee on a foreign-currency purchase	0 of 2	Entry tier (Midnight Blue): 0.2% on purchases in EEA and UK currencies, 2% outside (official, fee page for Europe, updated 31 July 2026, rates from 1 Oct 2026). Paid tiers get a monthly allowance before the 2% applies: €400 on Plus, €800 on Pro, no fee on Private (official). Scored on the entry tier at 2%.	official checked 12 October 2026
Funding cost	1 of 2	No fee listed for crypto or bank transfer top-ups; 1% on bank card top-ups (official, fee page for Europe). The spread on converting crypto or stablecoins to card balance is not published on the fee page (official). Physical card €4.99 on the entry tier (official). Inactivity fee €6 a month after 12 months without use (official, from 1 Oct 2026). No monthly fee on the entry tier (official).	official checked 12 October 2026
Apple Pay and Google Pay	2 of 2	Apple Pay and Google Pay in the EU (official, help centre, virtual card article, 20 July 2026).	official checked 12 October 2026
Freeze and dispute policy	1 of 2	Help centre: chargebacks can be raised up to 120 days after the transaction and are generally resolved within 30 to 45 days (official, help centre, 15 Sept 2025). Complaints policy: acknowledged within 2 working days, final reply within 15 working days (official, 20 Nov 2025). The EEA cardholder agreement was not reviewed in this check, so the timelines rest on help articles.	official checked 12 October 2026
Yield on idle balance	0 of 2	No yield on the card balance (official). A separate EUR Cash Yield product, run by Foris Capital CY under a CySEC licence, is advertised with no lock-up and rates that depend on tier (official, 9 Apr 2026), and it sits apart from the card balance.	official checked 12 October 2026

Total 7 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

12 October 2026

7 of 16

First score

Standing

Company	Crypto.com. In the EEA the card comes from Foris MT Limited, a Malta electronic money institution authorised by the MFSA (C 90348); crypto services sit with Foris DAX MT Limited, authorised under MiCA in Malta (official, crypto.com/eea/cards footer). In the UK, ForisGFS UK Limited, an FCA electronic money institution, FRN 988571 (official). In the US, Community Federal Savings Bank, Member FDIC (official, US card terms, effective 1 Sept 2026).
Network	Visa (official). A separate prepaid Mastercard serves Bahrain and select GCC markets (official, help centre, 1 Sept 2026). official
Rails	Crypto.com issues its EEA card through its own Malta e-money institution, Foris MT Limited, a Visa principal member (official). UK cards come from ForisGFS UK Limited (official); US cards from Community Federal Savings Bank (official).
Website	crypto.com/eea/cards
Health tag	Watch Strong licences (an MFSA e-money licence and MiCA authorisation in Malta), but the issuer sits inside the same group as the exchange, the EEA card pages do not state how card funds are safeguarded, and the Dutch central bank fined Crypto.com €2.85 million in 2024 for operating without registration (third-party).
Last checked	12 October 2026

When it goes wrong

Help centre: chargebacks can be raised up to 120 days after the transaction and are generally resolved within 30 to 45 days (official, help centre, 15 Sept 2025). Complaints policy: acknowledged within 2 working days, final reply within 15 working days (official, 20 Nov 2025). The EEA cardholder agreement was not reviewed in this check, so the timelines rest on help articles.

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	Entry tier (Midnight Blue): 0.2% on purchases in EEA and UK currencies, 2% outside (official, fee page for Europe, updated 31 July 2026, rates from 1 Oct 2026). Paid tiers get a monthly allowance before the 2% applies: €400 on Plus, €800 on Pro, no fee on Private (official). Scored on the entry tier at 2%. official
Funding	No fee listed for crypto or bank transfer top-ups; 1% on bank card top-ups (official, fee page for Europe). The spread on converting crypto or stablecoins to card balance is not published on the fee page (official). Physical card €4.99 on the entry tier (official). Inactivity fee €6 a month after 12 months without use (official, from 1 Oct 2026). No monthly fee on the entry tier (official). official
ATM	Free each month: €200 on Midnight Blue, €400, €800, €800 and €1,000 on the higher tiers, then 2% (official, fee page for Europe).
Tiers	Midnight Blue free. Ruby €3.99 a month or €450 of CRO staked for 12 months. Jade and Indigo €24.99 a month or €4,500 staked. Icy and Rose €45,000 staked. Obsidian €450,000 staked (official).

Cashback, as of 12 Oct 2026

Paid in CRO by tier: Midnight Blue 0%, Ruby 1.5% (cap $750 a month), Jade and Indigo 2.5% (cap $1,500), Icy and Rose 3.5% (cap $3,000), Obsidian 4.5% (cap $5,000) (official, crypto.com/eea/cards, checked 12 Oct 2026).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

EEA, UK and US (official). A Mastercard version serves Bahrain and select GCC markets (official). The UAE and Saudi Arabia are not named on any official card page; one UAE outlet listed the card as coming soon (third-party: Gulf News, 12 July 2025). official

Identity checks: Identity verification in the app (official).

What we still need confirmed

Facts marked official come from Crypto.com's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• EEA cardholder agreement: safeguarding of card funds. Rescore custody to 1 if the EEA terms state client funds are safeguarded or segregated. open
• EEA cardholder agreement: dispute window and response time. Rescore freeze to 2 if both are in the terms. open
• Spread on crypto and stablecoin top-ups to the card. Rescore funding to 0 if 1% or more. open
• Whether the EEA virtual card is free. open
• UAE and Saudi Arabia on an official card page. Rescore availability to 2 if either is served. open
• The EEA card page calls the card Visa, while some of its FAQ answers say prepaid Mastercard. Confirm the network for the EEA. open
• Outcome of any appeal against the Dutch central bank fine. open

CBL may earn a referral fee if you sign up through a link on this page. Referral links never change the Card Score.

See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.

Compare

Every card, ranked →