Zypto Premium VISA Card

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Zypto Premium VISA Card scores 5 of 16 on the CBL Card Score. Zypto, Visa. Self-custody wallet; loaded balance held by issuer. Named only as Third National, no licence.

CBL Card Score: 5 of 16

Criterion	Points	What we found	Source
Custody	0 of 2	Hybrid. Crypto sits in the user's own non-custodial Zypto wallet until the user loads the card (official, zypto.com and UK risk summary). At load, "crypto converts to local currency at load time, not at checkout", and the fiat balance then sits with the card programme (official, crypto-cards page). No safeguarding or segregation statement for the loaded balance was found in the card terms, the international consumer terms or the account-opening disclosures (official, checked 20 Oct 2026). Third parties describe the loaded balance as issuer-controlled (third-party: CryptoCardHub, 10 Aug 2026).	official checked 20 October 2026
Issuer and licence	1 of 2	"The term 'Issuer' refers to Third National" (official, Card Terms & Conditions, last updated 26 Feb 2025). "The card program is issued by the Issuer under license from Visa" (official, Consumer Card Terms International, 10 Jul 2025). No licence type, regulator, registration number or jurisdiction is given for Third National on any page checked, and the name could not be matched to a regulator entry within budget. Governing law is Puerto Rico (official, international terms).	official checked 20 October 2026
Availability	1 of 2	Site country pages list "Card" for the UK, Germany, France, Spain, the Netherlands, Italy, the US, Mexico, Brazil, Colombia, Argentina, Guatemala, Honduras and the Philippines (official, checked 20 Oct 2026). Residents of Russia, Belarus, Venezuela, Cuba, Iran, Syria, North Korea, Ukraine, Turkey, Israel, mainland China, India, Vietnam, Nepal and Iraq are excluded (official, restricted countries page, tables updated 3 Oct 2025). The UAE and Saudi Arabia appear on neither list, so Gulf service is unconfirmed. US onboarding in Missouri, Mississippi and Tennessee stopped on 12 Mar 2026 (official).	official checked 20 October 2026
FX fee on a foreign-currency purchase	0 of 2	"FX fee (non-USD): 1.75%" on both physical and virtual cards, plus a $0.30 transaction fee (official, premium-visa-fees-and-limits, last updated Aug 2026). The card balance is in US dollars, so a European cardholder pays 1.75% on euro purchases and on dirham purchases alike. The international consumer terms allow "up to 3%" (official, 10 Jul 2025).	official checked 20 October 2026
Funding cost	0 of 2	Physical card $50.00 "includes activation and delivery"; virtual card $0 acquisition with a $10.00 initial load added to the balance (official). Monthly fee $0. "Crypto conversion fee: 3%" on every load, plus blockchain gas paid to the network (official, fees page, Aug 2026). The 3% rate replaced a higher one in January 2026 (third-party: CoinCodeCap, 5 Apr 2026). No inactivity or replacement fee listed.	official checked 20 October 2026
Apple Pay and Google Pay	2 of 2	Apple Pay and Google Pay on both physical and virtual cards (official, crypto-cards page). Separate Apple Pay terms (29 Jan 2025) and Google Pay terms are published on the legal page (official).	official checked 20 October 2026
Freeze and dispute policy	1 of 2	"Freeze and unfreeze the card in a tap" in the app (official, crypto-cards page). The Card Terms & Conditions give a 60-day window from the statement date to report an error, an acknowledgement within 30 days and a resolution within 90 days, in US billing-error form (official, 26 Feb 2025). The Consumer Card Terms (International), which govern non-US users, say "You must report any disputed Charge or error no more than 60 days after the disputed Charge is posted", chargebacks start in the Zypto account, and no response time is given (official, 10 Jul 2025). Unauthorised use after notice is not the cardholder's liability; liability before notice is capped at $50 in the US terms only. The international terms state that consumer protection laws such as the CARD Act do not apply, and send disputes to arbitration in New York.	official checked 20 October 2026
Yield on idle balance	0 of 2	None. The loaded card balance earns nothing (official fee and card pages, no yield mentioned; third-party: CoinCodeCap, 5 Apr 2026).	official checked 20 October 2026

Total 5 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

20 October 2026

5 of 16

First score

Standing

Company	Zypto. Parent company Zypto SP ZOO, with a press release datelined Łódź, Poland (official site footer; third-party: Benzinga/EINPresswire, 10 Jul 2025). No regulator or licence is named for Zypto anywhere on the site; the UK risk summary links to the FCA register without giving a registration (official, v1.0-UK, 13 Oct 2025). The card terms name the issuer only as "Third National" and the Apple Pay terms name Signify Holdings, Inc. as programme manager (official). The international consumer terms name Banex Microfinance Bank Limited, licensed by the Central Bank of Nigeria, as the marketing partner for Nigeria (official).
Network	Visa, with "a Mastercard option" offered in some regions where the Visa card is unavailable (official). official
Rails	Zypto names "Third National" as the card issuer under a Visa licence and Signify Holdings, Inc. as programme manager, with no licence details for either (official). Crypto stays in the user's wallet until a load; the loaded dollar balance is held by the card programme with no safeguarding statement (official).
Website	zypto.com/personal/crypto-cards
Health tag	Unknown The issuer is named only as "Third National" with no licence, regulator or jurisdiction, Zypto SP ZOO names no regulator of its own, and three US states were cut off in March 2026 (official).
Last checked	20 October 2026

When it goes wrong

"Freeze and unfreeze the card in a tap" in the app (official, crypto-cards page). The Card Terms & Conditions give a 60-day window from the statement date to report an error, an acknowledgement within 30 days and a resolution within 90 days, in US billing-error form (official, 26 Feb 2025). The Consumer Card Terms (International), which govern non-US users, say "You must report any disputed Charge or error no more than 60 days after the disputed Charge is posted", chargebacks start in the Zypto account, and no response time is given (official, 10 Jul 2025). Unauthorised use after notice is not the cardholder's liability; liability before notice is capped at $50 in the US terms only. The international terms state that consumer protection laws such as the CARD Act do not apply, and send disputes to arbitration in New York.

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	"FX fee (non-USD): 1.75%" on both physical and virtual cards, plus a $0.30 transaction fee (official, premium-visa-fees-and-limits, last updated Aug 2026). The card balance is in US dollars, so a European cardholder pays 1.75% on euro purchases and on dirham purchases alike. The international consumer terms allow "up to 3%" (official, 10 Jul 2025). official
Funding	Physical card $50.00 "includes activation and delivery"; virtual card $0 acquisition with a $10.00 initial load added to the balance (official). Monthly fee $0. "Crypto conversion fee: 3%" on every load, plus blockchain gas paid to the network (official, fees page, Aug 2026). The 3% rate replaced a higher one in January 2026 (third-party: CoinCodeCap, 5 Apr 2026). No inactivity or replacement fee listed. official
ATM	1% on the physical card plus operator fees; $250 per withdrawal, $750 per day, $22,500 per month, three withdrawals a day (official, fees page). The virtual card has no ATM access (official).
Tiers	Premium Physical ($50) and Premium Virtual ($10 initial load). A single-load virtual card (Visa or Mastercard by supplier) is sold at $6 plus 4.5% (third-party: CryptoCardHub, 10 Aug 2026). The older Classic Physical card is discontinued (official restricted-countries page naming it; third-party: CryptoCardHub).

Cashback, as of 20 Oct 2026

No percentage cashback. Card loads earn ZYP points under the Rewards Hub, with 1,000 ZYP worth $1 (official, zypto.com; third-party: CryptoCardHub, 10 Aug 2026).

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

Availability

Site country pages list "Card" for the UK, Germany, France, Spain, the Netherlands, Italy, the US, Mexico, Brazil, Colombia, Argentina, Guatemala, Honduras and the Philippines (official, checked 20 Oct 2026). Residents of Russia, Belarus, Venezuela, Cuba, Iran, Syria, North Korea, Ukraine, Turkey, Israel, mainland China, India, Vietnam, Nepal and Iraq are excluded (official, restricted countries page, tables updated 3 Oct 2025). The UAE and Saudi Arabia appear on neither list, so Gulf service is unconfirmed. US onboarding in Missouri, Mississippi and Tennessee stopped on 12 Mar 2026 (official). official

Identity checks: Full identity check through Sumsub, "usually approved within minutes"; government ID and proof of address (official, crypto-cards page; third-party: CryptoCardHub).

What we still need confirmed

Facts marked official come from Zypto'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:

• Identity, licence and regulator of "Third National" and of Signify Holdings, Inc. Rescore issuer to 2 if a bank or EMI licence is confirmed; rescore to 0 and health to Caution if the name cannot be matched to any licensed entity. open
• Whether the Premium Visa card is open to UAE or Saudi residents. Rescore availability to 2 if yes. open
• Safeguarding wording for the loaded dollar balance. Rescore custody to 1 if segregation is stated. open
• Whether the international consumer terms carry a chargeback response time anywhere. Rescore freeze to 2 if yes. open
• Why onboarding stopped in Missouri, Mississippi and Tennessee. Rescore health to Caution if a licence issue is confirmed. open
• tile_color taken from the dominant colour of the logo file in assets/logos/ on 20 Oct 2026; confirm against brand assets. open

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

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