How do crypto debit prepaid cards work?

Users load their crypto funds onto the card, which are then converted into fiat currency at the time of purchase. The card functions similarly to a traditional debit card, deducting funds from the user's crypto balance. When viewing your crypto wallets on an exchange, the "Funding account" or "Funding wallet" balances are typically used for spending cards. This ensures your spot or futures positions are unaffected by spending money through your debit card.

Are there any fees associated with using a crypto debit card?

Fees can include card issuance fees, transaction fees, ATM withdrawal fees, and currency conversion fees. It's essential to review the fee structure of each card provider before obtaining a card.

How do I top up my crypto debit card?

Users can typically top up their cards by transferring cryptocurrency from their exchange's spot wallets to the card's associated wallet, or "Funding" account. Some cards also offer the option to top up using bank transfers or other payment methods. Most exchanges will allow you to top up your card with cryptocurrency, including altcoins. This enables you to seamlessly spend fiat no matter what digital assets you're holding or top up with. For lower currency conversion fees, convenience and to avoid price fluctuations, it may be prudent to convert crypto into stablecoins such as USDT.

Can I earn rewards or cashback with a crypto debit card?

Some crypto debit card providers offer rewards programs or cashback incentives for card usage. These rewards may vary depending on the card provider and the terms of the program. Cashback rewards for crypto prepaid cards are typically between 1% and 2%.

Are there any limitations to using a crypto debit card?

While crypto debit cards offer convenience, they may have limitations such as daily spending limits, ATM withdrawal limits, and geographical restrictions. Users should be aware of these limitations before using the card for large transactions or in specific regions.

Crypto Exchanges with Crypto Bank Cards

Rating: 4.7/5

#1 Gate.io

Supports wire and card deposits – Fiat withdrawals – Over $6,500 in welcome rewards – Crypto ATM card – 500+ altcoins for staking – Over 2,000 altcoins listed for trading – Excellent Web3 wallet – Inscriptions marketplace – Lowest fees

: 2200+

: 2018

: 24,855

: 20%

: $6,666

User Friendly

Bank transfer deposits

Bank card deposits

Fiat withdraw to bank account

Mobile App

Beginner friendly features: 5

Ease of buying and trading: 5

Interface and user experience: 5

Education and learning: 5

Customer support: 4

Features

Spot trading

Futures trading

Advanced trading options: 5

Staking and savings: 5

Airdrops and launchpools: 5

Additional financial services: 5

Other products and services: 5

Decentralized wallet: 4

Fees

Spot Maker Fee: 0.1%
Spot Taker Fee: 0.1%
Futures Maker Fee: 0.015%
Futures Taker Fee: 0.05%

Additional 20% fee discount when using our referral signup link.

Additional $6,666 signup bonus when using our referral signup link.

View More Fees

Safety

Exchange launched in 2018

Number of users: 20 million

Proof of Reserves

Regulatory compliance: 3

Reputation and reliability: 4

Asset safety and trust: 5

User account security: 5

Volume & Altcoins

Number of altcoin pairs: 2200

Last 24h trade volume (in BTC): 24,855

High trading volume

High liquidity

Review

Rating: 4.6/5

#2 Bybit

Fiat deposits and withdrawals – Beginner friendly with quick purchase and convert – Solid amount of quality mid-cap altcoins – $30,000 in signup bonuses – Reliable and trusted since 2018

: 700+

: 2018

: 40,044

: 10%

: $30,000

User Friendly

Bank transfer deposits

Bank card deposits

Fiat withdraw to bank account

Mobile App

Beginner friendly features: 5

Ease of buying and trading: 5

Interface and user experience: 5

Education and learning: 4

Customer support: 5

Features

Spot trading

Futures trading

Advanced trading options: 5

Staking and savings: 3

Airdrops and launchpools: 4

Additional financial services: 5

Other products and services: 5

Decentralized wallet: 4

Fees

Spot Maker Fee: 0.1%
Spot Taker Fee: 0.1%
Futures Maker Fee: 0.02%
Futures Taker Fee: 0.055%

Additional 10% fee discount when using our referral signup link.

Additional $30,000 signup bonus when using our referral signup link.

View More Fees

Safety

Exchange launched in 2018

Number of users: 50 million

Proof of Reserves

Regulatory compliance: 3

Reputation and reliability: 5

Asset safety and trust: 5

User account security: 5

Highly regulated

Considered very safe

Volume & Altcoins

Number of altcoin pairs: 700

Last 24h trade volume (in BTC): 40,044

High trading volume

High liquidity

Review

Rating: 4.4/5

#3 KuCoin

Easy fiat deposits and withdrawals – Fee discounts for native token holders – Large selection of low-cap altcoins – beginner friendly interface – Savings & staking platform for earning interest on idle spot holdings

: 800+

: 2017

: 7,669

: 10%

: $8,201

User Friendly

Bank transfer deposits

Bank card deposits

Fiat withdraw to bank account

Mobile App

Beginner friendly features: 5

Ease of buying and trading: 5

Interface and user experience: 4

Education and learning: 4

Customer support: 4

Features

Spot trading

Futures trading

Advanced trading options: 4

Staking and savings: 5

Airdrops and launchpools: 2

Additional financial services: 4

Other products and services: 4

Decentralized wallet: 4

Fees

Spot Maker Fee: 0.1%
Spot Taker Fee: 0.1%
Futures Maker Fee: 0.02%
Futures Taker Fee: 0.06%

Additional 10% fee discount when using our referral signup link.

Additional $8,201 signup bonus when using our referral signup link.

View More Fees

Safety

Exchange launched in 2017

Number of users: 30 million

Proof of Reserves

Regulatory compliance: 4

Reputation and reliability: 5

Asset safety and trust: 5

User account security: 5

Volume & Altcoins

Number of altcoin pairs: 800

Last 24h trade volume (in BTC): 7,669

High trading volume

Review

Rating: 3.9/5

#4 WhiteBIT

Fiat deposit options including bank transfers, cards, Apple Pay – Easy fiat withdrawals in multiple currencies – Quick convert – Full TradingView integration – Gift cards – CS:GO skins marketplace – Lowest futures trading fees

: 300+

: 2018

: 35,194

User Friendly

Bank transfer deposits

Bank card deposits

Fiat withdraw to bank account

Mobile App

Beginner friendly features: 4

Ease of buying and trading: 5

Interface and user experience: 4

Education and learning: 3

Customer support: 4

Features

Spot trading

Futures trading

Advanced trading options: 3

No staking and savings

Airdrops and launchpools: ×

Additional financial services: 4

Other products and services: 4

Fees

Spot Maker Fee: 0.1%
Spot Taker Fee: 0.1%
Futures Maker Fee: 0.01%
Futures Taker Fee: 0.035%

View More Fees

Safety

Exchange launched in 2018

Number of users: 5 million

No Proof of Reserves

Regulatory compliance: 3

Reputation and reliability: 4

Asset safety and trust: 4

User account security: 5

Volume & Altcoins

Number of altcoin pairs: 300

Last 24h trade volume (in BTC): 35,194

Review

Rating: 4.0/5

#5 CEX.IO

Very beginner friendly – Bank transfer, card, Google Pay, Apple Pay, PayPal and other fiat deposits & withdrawals – Staking and savings – Crypto debit card – Available in US and licensed in over 30 states – Safe and trusted

: 150+

: 2013

: 30

: $200

User Friendly

Bank transfer deposits

Bank card deposits

Fiat withdraw to bank account

Mobile App

Beginner friendly features: 5

Ease of buying and trading: 5

Interface and user experience: 4

Education and learning: 5

Customer support: 4

Features

Spot trading

No futures trading

Advanced trading options: 2

Staking and savings: 4

Airdrops and launchpools: ×

Additional financial services: 4

Fees

Spot Maker Fee: 0.15%
Spot Taker Fee: 0.25%

Additional $200 signup bonus when using our referral signup link.

View More Fees

Safety

Exchange launched in 2013

Number of users: 15 million

No Proof of Reserves

Regulatory compliance: 5

Reputation and reliability: 5

Asset safety and trust: 4

User account security: 4

Highly regulated

Considered very safe

Volume & Altcoins

Number of altcoin pairs: 150

Last 24h trade volume (in BTC): 30

Review

Rating: 3.7/5

#6 XT.com

Average volume but good liquidity – Many fiat deposit gateways including cards, Google Pay, Apple Pay – Lots of good small market cap altcoins – Optional KYC – Good staking yields

: 900+

: 2018

: 7,419

: 10%

User Friendly

Bank transfer deposits

Bank card deposits

No fiat withdrawals

Mobile App

Beginner friendly features: 4

Ease of buying and trading: 4

Interface and user experience: 5

Education and learning: 3

Customer support: 3

Features

Spot trading

Futures trading

Advanced trading options: 4

Staking and savings: 5

Airdrops and launchpools: 2

Additional financial services: 4

Other products and services: 4

Fees

Spot Maker Fee: 0.2%
Spot Taker Fee: 0.2%
Futures Maker Fee: 0.04%
Futures Taker Fee: 0.06%

Additional 10% fee discount when using our referral signup link.

View More Fees

Safety

Exchange launched in 2018

Number of users: 3 million

Proof of Reserves

Regulatory compliance: 2

Reputation and reliability: 3

Asset safety and trust: 3

User account security: 4

Volume & Altcoins

Number of altcoin pairs: 900

Last 24h trade volume (in BTC): 7,419

Review

Rating: 3.9/5

#7 Gemini

Regulated and safe – No derivatives for EU, UK, US – Debit MasterCard – PayPal deposits – Nifty NFT marketplace integration

: 70+

: 2015

: 573

: $15

User Friendly

Bank transfer deposits

Bank card deposits

Fiat withdraw to bank account

Mobile App

Beginner friendly features: 5

Ease of buying and trading: 5

Interface and user experience: 4

Education and learning: 3

Customer support: 5

Features

Spot trading

Futures trading

Advanced trading options: 3

No staking and savings

Airdrops and launchpools: ×

Additional financial services: 4

Fees

Futures Maker Fee: 0.02%
Futures Taker Fee: 0.07%

Additional $15 signup bonus when using our referral signup link.

View More Fees

Safety

Exchange launched in 2015

Proof of Reserves

Regulatory compliance: 5

Reputation and reliability: 5

Asset safety and trust: 5

User account security: 5

Highly regulated

Considered very safe

Volume & Altcoins

Number of altcoin pairs: 70

Last 24h trade volume (in BTC): 573

Review

Rating: 3.9/5

#8 MEXC

Easy buys with cards or bank transfers – Up to $1,000 in signup bonuses – Frequent large trading competitions – Very low trading fees – No mandatory KYC – Massive selection of low-cap altcoins

: 2600+

: 2018

: 21,017

: $8,000

User Friendly

Bank transfer deposits

Bank card deposits

No fiat withdrawals

Mobile App

Beginner friendly features: 5

Ease of buying and trading: 5

Interface and user experience: 5

Education and learning: 4

Customer support: 4

Features

Spot trading

Futures trading

Advanced trading options: 5

Staking and savings: 1

Airdrops and launchpools: 5

Additional financial services: 5

Other products and services: 4

Fees

Spot Maker Fee: 0.05%
Spot Taker Fee: 0.05%
Futures Maker Fee: 0.01%
Futures Taker Fee: 0.04%

Additional $8,000 signup bonus when using our referral signup link.

View More Fees

Safety

Exchange launched in 2018

Number of users: 10 million

Insurance fund: 740 million

Proof of Reserves

Regulatory compliance: 1

Reputation and reliability: 2

Asset safety and trust: 3

User account security: 5

Volume & Altcoins

Number of altcoin pairs: 2600

Last 24h trade volume (in BTC): 21,017

Review

Rating: 4.0/5

#9 Bitget

Lots of interest-earning assets available for staking and savings – Up to $6,200 bonus for new users – Quick convert for beginner traders – Large amount of cheap altcoins not listed on other exchanges

: 800+

: 2018

: 27,716

: $6,200

User Friendly

Bank transfer deposits

Bank card deposits

Fiat withdraw to bank account

Mobile App

Beginner friendly features: 4

Ease of buying and trading: 4

Interface and user experience: 5

Education and learning: 4

Customer support: 4

Features

Spot trading

Futures trading

Advanced trading options: 5

Staking and savings: 4

Airdrops and launchpools: 3

Additional financial services: 4

Other products and services: 3

Decentralized wallet: 5

Fees

Spot Maker Fee: 0.1%
Spot Taker Fee: 0.1%
Futures Maker Fee: 0.02%
Futures Taker Fee: 0.06%

Additional $6,200 signup bonus when using our referral signup link.

View More Fees

Safety

Exchange launched in 2018

Number of users: 45 million

Insurance fund: 640 million

Proof of Reserves

Regulatory compliance: 3

Reputation and reliability: 4

Asset safety and trust: 5

User account security: 5

Volume & Altcoins

Number of altcoin pairs: 800

Last 24h trade volume (in BTC): 27,716

Review

Rating: 3.8/5

#10 BingX

Over $5000 bonuses for new users – Trade Apple, Netflix, Microsoft, Tesla and other stocks – Trade SPX, NASDAQ, and other indexes – Trade commodities like gold or silver – No crypto withdrawal fees – Great selection of low-cap altcoins – No mandatory KYC

: 850+

: 2018

: 3,002

: 5%

: $5,125

User Friendly

Bank transfer deposits

Bank card deposits

Fiat withdraw to bank account

Mobile App

Beginner friendly features: 5

Ease of buying and trading: 4

Interface and user experience: 4

Education and learning: 3

Customer support: 4

Features

Spot trading

Futures trading

Advanced trading options: 5

Staking and savings: 4

Airdrops and launchpools: 3

Additional financial services: 4

Other products and services: 2

Fees

Spot Maker Fee: 0.1%
Spot Taker Fee: 0.1%
Futures Maker Fee: 0.02%
Futures Taker Fee: 0.05%

Additional 5% fee discount when using our referral signup link.

Additional $5,125 signup bonus when using our referral signup link.

View More Fees

Safety

Exchange launched in 2018

Number of users: 20 million

Proof of Reserves

Regulatory compliance: 3

Reputation and reliability: 4

Asset safety and trust: 4

User account security: 4

Volume & Altcoins

Number of altcoin pairs: 850

Last 24h trade volume (in BTC): 3,002

Review

Rating: 3.9/5

#11 Crypto.com

Great for beginners – Easy deposits with cards or bank transfers – Debit Visa with cashback rewards – Highly regulated and reliable – Staking – Gift cards

: 350+

: 2019

: 32,426

: $500

User Friendly

Bank transfer deposits

Bank card deposits

No fiat withdrawals

Mobile App

Beginner friendly features: 4

Ease of buying and trading: 5

Interface and user experience: 5

Education and learning: 4

Customer support: 5

Features

Spot trading

Futures trading

Advanced trading options: 4

Staking and savings: 4

Airdrops and launchpools: 1

Additional financial services: 3

Other products and services: 4

Fees

Spot Maker Fee: 0.25%
Spot Taker Fee: 0.5%
Futures Maker Fee: 0.02%
Futures Taker Fee: 0.04%

Additional $500 signup bonus when using our referral signup link.

View More Fees

Safety

Exchange launched in 2019

Number of users: 100 million

Proof of Reserves

Regulatory compliance: 5

Reputation and reliability: 5

Asset safety and trust: 5

User account security: 5

Highly regulated

Considered very safe

Volume & Altcoins

Number of altcoin pairs: 350

Last 24h trade volume (in BTC): 32,426

Review

Rating: 3.0/5

#12 CoinW

Prepaid virtual Visa available for nearly all countries – No fiat deposits or withdrawals – Non-mandatory KYC – Good number of altcoins on spot

: 400+

: 2017

: 7,772

: 20%

: $200

User Friendly

Bank transfer deposits

Bank card deposits

No fiat withdrawals

Mobile App

Beginner friendly features: 3

Ease of buying and trading: 4

Interface and user experience: 2

Education and learning: 2

Customer support: 3

Features

Spot trading

Futures trading

Advanced trading options: 3

Staking and savings: 3

Airdrops and launchpools: 1

Additional financial services: 3

Other products and services: 3

Fees

Spot Maker Fee: 0.2%
Spot Taker Fee: 0.2%
Futures Maker Fee: 0.04%
Futures Taker Fee: 0.06%

Additional 20% fee discount when using our referral signup link.

Additional $200 signup bonus when using our referral signup link.

View More Fees

Safety

Exchange launched in 2017

Number of users: 7 million

Proof of Reserves

Regulatory compliance: 2

Reputation and reliability: 3

Asset safety and trust: 3

User account security: 4

Volume & Altcoins

Number of altcoin pairs: 400

Last 24h trade volume (in BTC): 7,772

Review

Rating: 3.6/5

#13 Coinbase

Considered the best and easiest fiat gateway – Good for beginners – High fees unsuitable for frequent traders – Available in most countries – Debit spending cards

: 250+

: 2012

: 20,036

User Friendly

Bank transfer deposits

Bank card deposits

Fiat withdraw to bank account

Mobile App

Beginner friendly features: 5

Ease of buying and trading: 5

Interface and user experience: 4

Education and learning: 4

Customer support: 5

Features

Spot trading

Futures trading

Advanced trading options: 3

Staking and savings: 3

Airdrops and launchpools: ×

Additional financial services: 3

Other products and services: 1

Decentralized wallet: 3

Fees

Spot Maker Fee: 0.6%
Spot Taker Fee: 1.20%
Futures Maker Fee: 0.4%
Futures Taker Fee: 0.6%

View More Fees

Safety

Exchange launched in 2012

Proof of Reserves

Regulatory compliance: 5

Reputation and reliability: 5

Asset safety and trust: 5

User account security: 5

Highly regulated

Considered very safe

Volume & Altcoins

Number of altcoin pairs: 250

Last 24h trade volume (in BTC): 20,036

High trading volume

High liquidity

Review

How do crypto debit prepaid cards work?
Users load their crypto funds onto the card, which are then converted into fiat currency at the time of purchase. The card functions similarly to a traditional debit card, deducting funds from the user's crypto balance.

When viewing your crypto wallets on an exchange, the "Funding account" or "Funding wallet" balances are typically used for spending cards. This ensures your spot or futures positions are unaffected by spending money through your debit card.
Are there any fees associated with using a crypto debit card?
Fees can include card issuance fees, transaction fees, ATM withdrawal fees, and currency conversion fees. It's essential to review the fee structure of each card provider before obtaining a card.
How do I top up my crypto debit card?
Users can typically top up their cards by transferring cryptocurrency from their exchange's spot wallets to the card's associated wallet, or "Funding" account. Some cards also offer the option to top up using bank transfers or other payment methods.

Most exchanges will allow you to top up your card with cryptocurrency, including altcoins. This enables you to seamlessly spend fiat no matter what digital assets you're holding or top up with. For lower currency conversion fees, convenience and to avoid price fluctuations, it may be prudent to convert crypto into stablecoins such as USDT.
Can I earn rewards or cashback with a crypto debit card?
Some crypto debit card providers offer rewards programs or cashback incentives for card usage. These rewards may vary depending on the card provider and the terms of the program.

Cashback rewards for crypto prepaid cards are typically between 1% and 2%.
Are there any limitations to using a crypto debit card?
While crypto debit cards offer convenience, they may have limitations such as daily spending limits, ATM withdrawal limits, and geographical restrictions. Users should be aware of these limitations before using the card for large transactions or in specific regions.

Crypto Exchanges with Crypto Bank Cards

Sort by:

Latest News

Trading Competitions

Promotional Events

Guides & Info

Active filters:

#1 Gate.io

#2 Bybit

#3 KuCoin

#4 WhiteBIT

#5 CEX.IO

#6 XT.com

#7 Gemini

#8 MEXC

#9 Bitget

#10 BingX

#11 Crypto.com

#12 CoinW

#13 Coinbase

Crypto card FAQs:

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