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There are many options available to UK investors when it comes to crypto debit cards. We’ve done all the hard work for you and created a list of the best crypto debit cards for UK investors. The only thing left for you to do is choose which crypto card best suits your requirements.
Have you ever wondered how to spend your crypto in the real world? Pay for a cup of coffee with your Bitcoin or Ethereum? Not all shops and websites currently accept cryptocurrency. This is due mainly to many retailers’ worry about exchange rates and their current traditional payment infrastructure.
However, the truth remains that the world is gradually accepting crypto, and you will find some Visa and Mastercards will convert your crypto in the background and make payment for your goods without the merchant knowing it was with a crypto debit or credit card.
But what exactly is a crypto debit card? and what are the best crypto card options available to UK investors? Keep reading to find out.
9 Best Crypto Debit Cards Available in the UK
As the crypto landscape evolves and becomes more mainstream, crypto cards have become increasingly popular, with various incentives to entice crypto enthusiasts. Crypto debit cards offer investors a convenient way to access their crypto assets. With major online processes merchants such as MasterCard or Visa issuing crypto debit and credit cards, users can use their card online, in-store, or to withdraw cash at ATMs.
So, let’s now dive into the world of crypto debit cards and reveal the top contenders available to crypto investors in the United Kingdom. Each of the crypto cards in this list offers something distinctive. But what is the best crypto card in the UK for 2024?
1. Coinbase Card
The Coinbase Card is a popular crypto debit card available in the UK, allowing users to spend their cryptocurrencies on everyday purchases. Issued by one of the largest crypto exchanges globally, the Coinbase Card supports a wide range of cryptocurrencies and automatically converts your chosen crypto into local currency at the point of sale.
As a Visa-backed card, it is widely accepted at millions of online and offline locations, making it a convenient option for crypto enthusiasts looking to make the most of their digital assets. Additionally, the card comes with an accompanying mobile app, allowing you to manage your spending, set spending limits, and track your transaction history.
While the Coinbase Card is an excellent option for those already using the Coinbase platform, it’s essential to consider the fees associated with the card, such as the issuance fee, transaction fees, and crypto conversion fees. Evaluate these costs and compare them with other available cards to determine the most suitable choice for your needs.
Basic Information:
- Type: Visa
- Cost of Issuance: £4.95/€4.95
- Headquarters: United States
Commissions:
- Domestic Purchase Transaction Fee: Free
- International Purchase Transaction Fee: 3% of the value per transaction
- Domestic Cash Withdrawal Fee: Free up to £200/€200. Anything over 1% of the value per transaction
- Liquidation Fee: 2.49% of the transaction amount
Spending Limits:
- Daily Purchase Limit: £10,000/€10,000
- Monthly Purchase Limit: £20,000/€20,000
- Yearly Purchase Limit: £100,000/€100,000
- Daily ATM Withdrawal Limit: £500/€500
Supported Fiat Currencies:
- USD, GBP & EUR.
Supported Cryptocurrencies:
- BTC, ETH, LTC, BCH, BAT, REP, ZRX, and XLM
2. Revolut Crypto Card
Revolut, a popular digital banking platform, offers a feature-rich debit card. Enabling users to buy, hold, and spend cryptocurrencies like Bitcoin, Ethereum, and Litecoin. The Revolut Crypto Card is not a standalone card but is integrated into the existing Revolut debit card, making it a convenient option for those with a Revolut account.
With the Revolut app, users can easily convert their fiat currency into cryptocurrencies and spend them at any merchant that accepts Visa or Mastercard. The Revolut card automatically converts the crypto into local currency at the point of sale. Additionally, the Revolut app provides features such as real-time cryptocurrency price tracking, instant crypto transfers to other Revolut users, and the ability to set up recurring crypto purchases.
However, it’s essential to note that Revolut’s crypto services may come with certain limitations and fees. Additionally, the platform charges a markup on crypto exchange rates, which may make it more expensive than other dedicated crypto debit cards.
Basic Information:
- Type: MasterCard
- Cost of Issuance: Free (Requires Revolut Metal Card)
- Revolut Plans: Standard £0/month, Plus £2.99/month, Premium £6.99/month, Metal £12.99/month
- Headquarters: London, United Kingdom
Commissions
- Standard Plan: £200 Fee-Free ATM Withdrawals or 5 Withdrawals (Whichever Comes First)
- Premium Plan: £400 Fee-Free ATM Withdrawals
- Metal Plan: £800 Fee-Free ATM Withdrawals
(Anything above these limits will be a 2% fee on all funds withdrawn & a minimum fee of £1 per withdrawal) - Trade Crypto fee-free up to $200,000 per month
Spending Limits
- $1,200 no-cost ATM withdrawals per month (2% fee on amounts over)
- $3,000 ATM withdrawal limit within 24 hours
Cashback:
- 1% for transactions outside Europe and 0.1% for transactions in Europe
Supported Fiat Currencies:
- EUR, GBP, USD etc
Supported Cryptocurrencies:
- BTC, BCH, ETH, DOGE, XRP & more (complete list on the Revolut website)
3. Wirex Bitcoin Debit Card
Wirex Bitcoin Debit Card is one of the best crypto debit cards in the UK and was created in 2014. It offers crypto and fiat multi-currency accounts and can be used in places where Visa and Mastercard are accepted.
The Wirex Bitcoin Debit Card is a popular crypto debit card option for UK users. Created in 2014, the Wirex card offers a multicurrency account that supports a wide range of cryptocurrencies and traditional currencies. With the Wirex card, you can easily spend your Bitcoin and other supported cryptocurrencies at any merchant that accepts Visa. The card automatically converts your crypto into local currency at the point of sale.
One of the key features of the Wirex card is its rewards program, which allows users to earn cashback in the form of their native WXT tokens for every purchase made with the card. The Wirex app also provides users with real-time cryptocurrency price tracking, allowing for convenient management of your crypto assets.
Basic Information:
- Type: (Visa, MasterCard (coming soon))
- Cost of Issuance: Free
- Headquarters: London, United Kingdom
Cashback:
- 1.5% of all Bitcoin purchases
Commissions:
- Monthly Maintenance Fee: of €1.20 or €14.4 (annual)
- Cash Withdrawals Cost: €2.25 plus 3% of the overall transaction value
- Card Payments in Europe Cost: 3% of the overall transaction value
- Foreign Card Payments Cost: €2.25 plus 3% of the overall transaction value
Supported Fiat Currencies:
- EUR, GBP, SGD
Supported Cryptocurrencies:
- Bitcoin, Litecoin, Ethereum, XRP, WAVES, WLO, DAI, NANO, XLM, WXT.
4. Crypto.com Debit Card
The Crypto.com Debit Card is a popular option for UK users, providing a range of Visa-backed cards that are part of the broader Crypto.com ecosystem. These debit cards enable users to spend their cryptocurrencies at any merchant that accepts Visa, with the card automatically converting your crypto into local currency at the point of sale.
Crypto.com offers a tiered card system, with different card tiers providing various benefits and rewards, such as cashback on purchases, free ATM withdrawals, and even perks like airport lounge access. The level of reward you receive will depend on the amount of CRO tokens staked. The Crypto.com app also offers an easy-to-use platform for managing your cryptocurrencies and fiat balances and tracking your spending and rewards.
Before choosing the Crypto.com Debit Card, it’s essential to consider the fees and requirements associated with the card, such as staking CRO tokens for higher-tier cards. Be sure to compare the features and costs of the Crypto.com Debit Card with other available options to find the best fit for your needs.
Basic Information
- Type: Visa
- Cost of Issuance: Free. No annual fee
- Headquarters: Hong Kong, China
Commissions:
- Depending on your card tier level, you get up to £150 worth of free ATM withdrawals monthly. This applies to the Midnight Blue Card Tier. Higher card tiers have higher fees.
- Whenever you exceed your ATM withdrawals for a month, you will incur a fee of 2% on further transactions.
- If you stake crypto.com tokens, you will get free ATM withdrawals of up to £750
Supported Fiat Currencies:
- USD
Supported Cryptocurrencies:
- Cashback: Users of this crypto card enjoy a 1% CRO token cashback. If you stake crypto.com tokens, your cashback value will increase to 8%.
5. Nexo Card
The Nexo Debit Card is a popular choice among UK crypto enthusiasts as it offers an innovative way to spend your cryptocurrencies seamlessly. As a cardholder, you can access your Nexo account’s crypto assets without selling them first, making it an excellent option for those who want to maintain their crypto holdings while still having the flexibility to spend.
One of the main advantages of the Nexo Debit Card is its zero fees on transactions. This means you can enjoy spending your crypto without incurring any additional costs. The card also offers attractive cashback rewards, allowing you to earn up to 2% cashback in the form of NEXO tokens for every purchase you make.
The Nexo Debit Card is a Mastercard, which ensures worldwide acceptance and convenience. Additionally, the card supports multiple currencies and allows seamless conversion between cryptocurrencies and traditional fiat currencies.
Summary:
- Type: MasterCard
- Cost of issuance: Free
- Headquarters: United Kingdom
Commissions:
- Free crypto transfers
- No monthly fees
- Card transactions in the EU charge a 1.49% fee
Spending Limits:
- 1 to 5 free crypto withdrawals per month (dependent on tier)
- 10 free ATM withdrawals every month
- €10,000 ATM withdrawal limit per month
Supported cryptocurrencies:
- BTC, ETH, XRP, and more (20 cryptocurrencies)
6. eToro Card
eToro launched a crypto card that provides access to multiple cryptocurrencies and can be used for payments at home, online and abroad. The eToro visa card is connected to your eToro money cash account, so managing your portfolio and funds is easy.
Thanks to its strong reputation and user-friendly features, the eToro Debit Card is another top choice for UK crypto users. The card is connected to your eToro investment account, allowing instant withdrawals and zero-fee conversion deposits. This makes the eToro debit card highly convenient for investors who use the eToro platform.
As a Visa-branded card, the eToro Debit Card enjoys worldwide acceptance, making it easy to spend your crypto assets wherever Visa is accepted. One of the card’s attractive benefits is the cashback offer, which gives cardholders £5 cashback on every £1,000 deposit. This feature can add up to significant savings over time for active users.
The eToro Debit Card is designed to be user-friendly and caters to both beginners and experienced crypto users. However, before choosing the eToro Debit Card, evaluating its features, fees, and any associated requirements is essential to ensure it aligns with your specific needs.
Summary:
- Type: Visa
- Cost of Issuance: Free
- Headquarters: Israel
Commissions:
- 1% fee for buying and selling crypto
- 0% commission on stocks
- $5 fee for withdrawals
Spending Limits:
- ATM Annual Limit: £36,000
- ATM Monthly Limit: £3,000
- ATM Daily Limit: £1,000
- Monthly Spend Limit: £50,000
Supported Cryptocurrencies:
- BTC, BCH, ETH, LTC and XLM
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7. CoinJar Card
CoinJar Card is one of the most recent crypto debit cards available for users in the UK. It enables users to spend their cryptocurrencies seamlessly in everyday transactions by automatically converting the chosen crypto to fiat currency at the point of purchase. This makes the CoinJar Card a convenient and practical option for individuals using their digital assets for real-world transactions. The card supports a wide range of cryptocurrencies and offers competitive fees, which has made it a popular choice among crypto enthusiasts in the UK.
Summary:
- Type: MasterCard
- Cost of Issuance: Free
- Headquarters: UK/Australia
Commissions:
- In-Store & Online Purchases Fee: 1%
- Foreign Transaction Fee: 2.99%
- ATM Withdrawal Fee (Physical Card): 1%
- Apple Pay/Google Pay Purchase: 2%
Spending Limits:
- Daily Spend: £5000
- Monthly Spend: £15,000
- Maximum Daily Transactions: 25
- Maximum Daily ATM Withdrawals: 5
Supported cryptocurrencies:
8. Monolith Card
The Monolith Card is a Visa debit card designed for UK users that allows spending of various tokens on the Ethereum blockchain anywhere that accepts Visa cards. You can top up the Monolith Visa debit card using different cryptocurrencies, including DAI, ETH, MATIC, TKN, USDC, and USDT. Monolith Card offers users the convenience of spending their digital assets in everyday transactions, making it a practical choice for those looking to bridge the gap between the crypto world and traditional finance.
Summary:
- Type: Visa
- Cost of issuance: Free
- Headquarters: United Kingdom
Commissions:
- Top-up Fee: 2.95%
- Fiat to Crypto conversions: Zero fees
Spending Limits:
- ATM Withdrawal Fee: £1.20
- Daily Spend Limit: £7,500
- Daily Cash Withdrawal Limit: £350
- Daily Purchase Limit: £7,150
Supported Cryptocurrencies:
- ETH or DAI
9. CryptoPay Card
CryptoPay is a UK-registered cryptocurrency debit card that allows users to spend their digital assets conveniently in everyday transactions. The CryptoPay Card supports cryptocurrencies, including Bitcoin, Ethereum, Litecoin, and Ripple. This card can be used anywhere that accepts Visa, making it a valuable tool for those wanting to utilize their cryptocurrencies for online and offline purchases. CryptoPay also offers a virtual card option, particularly useful for online transactions. With its user-friendly interface and support for multiple cryptocurrencies, CryptoPay is a popular choice for those seeking a crypto debit card in the UK.
Summary:
- Type: Visa
- Cost of Issuance: £5
- Headquarters: United Kingdom
Commissions:
- Monthly Fee: £1
- Loading Fee: 1%
- ATM Domestic Fee: £2.50
- Foreign Transaction Exchange Fee: 3%
- ATM Foreign Fee: £3.50
Spending Limits:
- Withdrawal Limit: £15,000 per month
- ATM Withdrawal Limit: £400 per day
- ATM Number of Withdrawals: 5 per day
Supported Cryptocurrencies:
- BTC, ETH, LTC & XRP
What is a Crypto Debit Card?
Crypto debit cards function similarly to regular bank debit cards. They allow you to access your crypto assets (BTC, ETH, BNB, and so on) and use them to complete daily transactions.
When using a regular debit card, you don’t have to worry about whether the place of purchase accepts your means of payment. Most merchants are already familiar with Visa and MasterCard debit cards. But in 2024, even though we’re not entirely familiar with crypto cards, one day, sooner than you think, it’ll be just as normal to pay with a crypto card as paying with a debit or credit card.
How do you Choose the Right Crypto Debit Card?
If you own crypto assets in the United Kingdom, several crypto debit cards are at your disposal. So, how do you settle on a final choice?
You can choose a suitable crypto card by comparing the following factors;
- Cost of Issuance
- Cost of Renewal
- Card Provider Visa or Mastercard
- Jurisdiction
- Spending Limits
- Withdrawal Limits
- Supported Crypto
- Debit or Credit Card
- Cashback
- Support
Verdict: Should you get a Crypto Debit Card?
Without a doubt, crypto cards are becoming more popular with better incentives. Just make sure you choose a crypto card that doesn’t overpromise and underdeliver. They often advertise themselves as “Crypto Card” or “Bitcoin Card”, but a lot of this is marketing.
Choosing the right crypto card is very important, and you will be providing personal information and trusting the platform with your personal information and crypto or financial assets.
We hope you found this guide on the 11 best crypto cards for UK investors useful. Please let us know in the comments below which card you have chosen, or if we have left your favourite card from the list, please let us know.
FAQs
How to order a crypto card in the UK?
Once you’ve decided on your crypto card, the next thing to do is submit an application form. Depending on your chosen card, you may have to sign up for the platform before applying.
Depending on your service provider and location, the entire process should be completed in a few minutes. Your crypto card will be delivered within a few days or weeks (hopefully).
Can I have a crypto card in the UK?
Yes, you can have a crypto card in the UK. There are several crypto debit and credit card options available for UK residents.
Can I use a UK debit card on crypto?
Yes, you can use a UK debit card to purchase cryptocurrencies. Many banks and financial institutions in the UK allow debit and credit card transactions for buying cryptocurrencies. Popular exchanges like Coinbase allow UK users to buy cryptocurrencies using debit cards.
