Crypto Debit Card UK

11 Best Crypto Debit Cards for UK Investors 2022

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 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 you can spend your crypto in the real world? Pay for a cup of coffee with your Bitcoin or Ethereum? Whilst, not all shops and websites currently accept cryptocurrency. This is mostly due 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.

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 or not. This is because most merchants are already familiar with Visa and MasterCard debit cards. But in 2022, even though we’re not completely familiar with crypto cards, one day, sooner than you think, it’ll be just as normal to pay with a crypto card as it is to pay with a debit or credit card.

How to Choose the Right Crypto Card for you?

If you are the owner of 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

11 Best Crypto Cards In the UK

We’ve established the importance of a crypto card and how we can spend conveniently. The crypto card offers you easy access to your crypto funds, and as long as MasterCard or Visa issues your card, you’re free to use it online, in-store, and for cash withdrawals at ATMs. 

Crypto cards are becoming increasingly popular, and there are various types available to crypto enthusiasts. Each of the crypto cards in this list offers something distinctive. But what is the best crypto card in the UK for 2022?

  • Coinbase Card
  • Nuri (Suspended)
  • Revolut
  • WireX
  • Crypto.com
  • Nexo
  • BlockFi
  • eToro
  • CoinJar
  • Monolith
  • CryptoPay

Coinbase Card

Coinbase is currently one of the largest crypto exchanges around the world. On their website, you can buy and sell crypto at your convenience and offer customers an innovative crypto card. Coinbase is based in the United States, and therefore the primary currency is USD ($), but its services are now accessible in different parts of the world. 

Coinbase Crypto Card

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 is 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
Pros
  • Several security features
  • Coinbase Visa Card is Accepted Worldwide
  • Fund Account using Various Cryptocurrency Wallets
  • High Security: 2FA, State-of-the-art Encryption & Password Protection
Cons
  • Need an Active Coinbase account
Coinbase Referral Code

NURI

NURI is known for being the best “no-fee” cryptocurrency card. It was formerly known as BitWala, launched in 2015 and re-branded as NURI in 2021. They were one of the first companies to offer crypto debit card services in the UK and act as a bank’s equivalent.

It’s important to note here that NURI filed for insolvency in August 2022, but customers can still make deposits and withdrawals.

Nuri Crypto Card

Basic Information:

  • Type: Visa
  • Cost of Issuance: Free. No annual fee
  • Headquarters: Berlin, Germany

Commissions:

  • ATM Cash Withdrawals: Free
  • Commissions on Purchases: Free
  • Trading Fee: 1%

Spending Limits:

  • Daily Online Payments: €1,500 > €5,000
  • Daily Offline Payments: €1,500 > €3,000
  • Daily ATM Withdrawal Limit: €1,500
  • Monthly Online/Offline Payments & ATM Withdrawals: €10,000

Supported Fiat Currencies:

  • EUR

Supported Cryptocurrencies:

  • Bitcoin & Ethereum
Pros
  • No Issuance or Monthly Fees
  • Advanced Security Protocols: 2FA, mTan (mobile transaction authentication number), Separate Wallet & Account Password
Cons
  • Account is only available in Europe (EEA, Switzerland & the UK
  • Supports Bitcoin & Ethereum Only
  • Filed for insolvency August 2022

Revolut

The Revolut crypto debit card is an impressive innovation that allows owners of crypto assets to spend their tokens freely. With its headquarters located in London, United Kingdom, users can use its debit card services worldwide. This card is powered by MasterCard and comes with a free UK account.

Revolut is also great for travellers because of the perks that come with specific plans, and there are three main ones to choose from; Standard, Premium and Metal.

Revolut Card

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 (full list on the Revolut website)
Pros
  • Crypto Withdrawals on All Plans
  • 10 Fee-free international transfers per month
  • 29 Supported Currencies, inc GBP, EUR & USD
  • Medical & Flight Insurance with Premium & Metal plans
Cons
  • No Specific Crypto Card

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 account and can be used in places where Visa and Mastercard are accepted.

Wirex Crypto Card

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.
Pros
  • Juicy cashback & lucrative bonuses
  • Can be used with more than 150+ fiat currencies
  • Users don’t pay an issuance or monthly fee
Cons
  • Users must have balance in the Wirex token (WXT) to get rewards

Crypto.com

Many experts and crypto enthusiasts refer to Crypto.com as an all-in-one cryptocurrency ecosystem. This is because of its extensive list of digital asset products and services. One of these services includes the Crypto.com Debit Card. This innovative debit card allows users to spend crypto-assets online and in-store and withdraw cash at ATMs. 

Crypto.com Visa Card

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 per month. This is applicable 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 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%.
Pros
  • Supports more than 90 cryptocurrencies
  • Users do not pay issuance of month fees
  • Users get rebates on streaming services
Cons
  • Users must purchase crypto.com tokens
  • Card with better features require costly staking
Crypto.com Referral Code

Nexo

The Nexo crypto card is for travellers, specifically those travelling in Europe. The Nexo card offers access to your crypto and is backed by MasterCard. One benefit is you can spend up to 90% of your crypto without going through the process of selling it. For use online, in-store, and at ATMs for cash withdrawals. Nexo was created in 2018 and is one of the best crypto cards on the market for managing your assets. 

Nexo Crypto Card UK

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 (dependant on tier)
  • 10 free ATM withdrawals every month
  • €10,000 ATM withdrawal limit per month

Supported cryptocurrencies:

  • BTC, ETH, XRP, and more (20 cryptocurrencies)
Pros
  • Additional layers of security
  • Good for travellers in Europe
  • Free virtual card for one-time transactions
Cons
  • Lack of online resources
  • Transaction fees within Europe
  • Need to invest in crypto tokens
Nexo Welcome Bonus

eToro

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 it’s easy to manage your portfolio and funds.

eToro Debit Card UK

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 
Pros
  • Easy to use
  • Tools and resources available via their website
  • 0% commission on stocks
  • No monthly fees
Cons
  • Withdrawal fees
  • Inactivity fees after 12 months
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CoinJar

Released this year in February (2022), the CoinJar crypto card has no monthly fees. Easy to use and with multiple cryptocurrencies to choose from, CoinJar is one of the best ways to spend your crypto assets. It is a MasterCard available as a physical and digital card. 

ConJar Crypto Card 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:

Pros
  • 2 reward points per £1 you spend
  • You don’t need to convert your crypto into GBP before using the card
  • 50+cryptocurrencies
Cons
  • Reward points are only redeemable for exchange fees when purchasing cryptocurrencies with CoinJar

Monolith

Monolith crypto card is essentially an Ethereum wallet, making it one of the most secure and completely in your control. The Monolith Card is powered by Visa and has no issuance or monthly fees. With its jurisdiction in the United Kingdom, it currently works mainly in GBP and EUR.

Monolith Crypto Card UK

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
Pros
  • Cashback 1% to TKN holders
  • ETH has lower transaction fees
Cons
  • Only two cryptocurrencies to purchase
  • Withdrawal fees

CryptoPay

Registered in London, United Kingdom, the CryptoPay card has a few fees to be aware of. However, it is mostly used for online transactions and larger purchases. The Visa card is available in physical or virtual form. Straightforward and easy to use, it’s a card that makes a good choice for your crypto.

CryptoPay Card 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
Pros
  • 2FA Security
  • 24/7 Online Support
Cons
  • Inactivity fee after one year of no use
  • Various fees apply

BlockFi (Credit Card)

BlockFi was founded in 2017 and provides a crypto credit card that offers competitive rates and is institutionally backed by investors such as SoFi. With its headquarters in New Jersey, the BlockFi credit card keeps its clients in mind with a reward scheme that separates them from the rest. Combining finance and blockchain technology, they offer cashback and no monthly fees.

BlockFi Crypto Card UK

Summary:

  • Type: Visa
  • Cost of Issuance: Free
  • Headquarters: United States

Commissions:

  • No Annual Fee
  • No Monthly Fee
  • No Foreign Transaction Fee

Spending Limits:

  • Withdrawal limits, such as. BTC 0.0000274 BTC minimum threshold

Supported Cryptocurrencies:

  • BTC, ETH, DOGE, BCH & more (full list on BlockFi website)
Pros
  • 1.5% cashback in BTC on each purchase
  • No monthly or annual fees
  • BTC 2% bonus on annual spending over $50,000
Cons
  • Not currently available in the UK, US only.
  • Need an active BlockFi trading account
BlockFi Referral Sign-up Offer

FAQs

How to Order a Crypto Card?

Once you’ve decided on your crypto card, the next thing to do is submit an application form. Depending on the card you choose, you may have to sign-up to the platform before you can apply for the card itself.

Depending on your service provider and their location, the entire process should be completed in a few minutes, and your crypto card will be delivered within a few days or weeks (hopefully). 

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.

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