A card turns a crypto balance into something you can spend at the till. BCB Group has no card of any kind, ClearBank offers no cards, and Standard Chartered has none for crypto: its Singapore credit cards exclude crypto merchant code 6051 from rewards and cannot be used to buy crypto under MAS rules. The three full passes are all open to UK individuals: Xapo Bank issues a metal, standard or virtual Visa debit card with no FX markup and up to 1% cashback in Bitcoin, Wirex gives UK customers a Visa with cashback of 0.5% to 8% paid in USD on Wirex One, and Revolut's crypto card, free as a virtual card, spends directly from a chosen crypto balance and works with Apple Pay and Google Pay. LHV's partial is a fee-free UK debit card with no foreign spending fees, but crypto bought at LHV cannot be spent on it or anywhere else outside the bank.
| Bank | Score | Type | Health | P2P | Verdict |
|---|---|---|---|---|---|
| Xapo Bank | 14/16 | Crypto-native | Solid | Unknown | Yes. Bitcoin and stablecoins are the core product, though the bank publishes no policy on transfers to exchanges. |
| Wirex | 14/16 | Neobank | Unknown | Strict | Yes. Crypto moves freely in and out, but the card cannot buy crypto elsewhere and the old app lost its crypto features in the EEA on 30 June 2026. |
| Revolut | 13/16 | Neobank | Watch | Mixed | Yes for individuals, with the deepest crypto stack of any app-bank. No for crypto businesses. |
| LHV | 9/16 | Business banking | Solid | Relaxed | Yes. Crypto trading is built into the Estonian app, and the UK arm banks Coinbase and Bitstamp, but coins cannot leave the bank. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
Xapo Bank's Visa debit card pays up to 1% cashback in Bitcoin and charges no FX markup, on a metal, standard or virtual card. The account behind it costs USD 1,000 a year in membership. Wirex pays its cashback in USD instead, at 0.5% to 8% on Wirex One, and Revolut's card spends from a crypto balance with no cashback listed in our data.
Revolut's crypto card spends directly from a chosen crypto balance and works with Apple Pay and Google Pay, with the virtual version free. Wirex, the crypto card pioneer on this list, gives UK customers a Visa on an account that takes crypto deposits from any wallet and converts stablecoin top-ups 1:1 into a USD or EUR balance. LHV's UK debit card is the opposite case: it is fee-free with no foreign spending fees, but crypto bought at LHV can be sold inside the bank and never spent.