Rewards hunterQuicko Sp. z o.o.mastercard● Live

CEX.IO Card

Name: CEX.IO Card
Brand: Quicko Sp. z o.o.
Availability: InStock

Custodial virtual Mastercard debit card for EEA residents spending directly from a CEX.IO wallet.

The CEX.IO Card is a virtual Mastercard debit card designed to enable spending cryptocurrencies for everyday purchases, with seamless integration to the CEX.IO exchange wallet. Users benefit from instant crypto-to-fiat conversion at the point of sale, removing the need for manual conversions. The card supports over 100 cryptocurrencies, features a customizable wallet prioritization system, and is available exclusively to EEA residents.

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Best for

CEX.IO users in the EEA wanting to spend crypto with no issuance fees.

Skip if

You need a physical card, fixed cashback, or live outside the EEA.

Network

mastercard

Custody

custodial

KYC

full

Max cashback

0.00%

Min monthly fee

Apple Pay

Yes

Google Pay

Yes

Physical card

Yes

The verdict

What we like

€0 issuance and monthly maintenance fees.
Spend from over 100+ supported cryptocurrencies.
Customizable priority for 4 crypto + 1 EUR wallet.
Supports contactless payments via Apple Pay and Google Pay.
Instant digital issuance via CEX.IO mobile app.
Issued under Polish NPI license IP52/2021.

Watch outs

Unavailable outside of 30 EEA countries.
Daily spending limit of €3,000.

Virtual-only card with Apple Pay and Google Pay support.
Limited to EEA residents with a €3,000 daily spending limit.

Basic information

{"Card Type":"Virtual Mastercard debit card","Key Feature":"Customizable spending priority for up to 4 crypto wallets + 1 EUR wallet.","Availability":"European Economic Area (EEA) countries only.","Standout Benefit":"No card issuance, maintenance, or EUR transaction fees.","Biggest Downside":"Promotional rewards only; no physical card option and ATM operations are temporarily unavailable."}

Spending & ATM limits

Notes: Maximum 25 transactions per day
Atm Daily: Temporarily unavailable
Atm Monthly: Temporarily unavailable
Daily Spending: €3,000
Monthly Spending: €10,000

Rewards

Availability

Available exclusively in European Economic Area (EEA) countries (30 countries). Restricted in 5 countries including United States, United Kingdom, Canada, Switzerland, and Ukraine.

Top-up & funding

Direct spending from CEX.IO exchange wallet
SEPA bank transfer

Instant - crypto is converted to EUR at purchase

Security & custody

Two-factor authentication (2FA) required for account access
3-D Secure authentication (OTP or push notifications) for online purchases
Real-time transaction monitoring in the CEX.IO app
Support for blocking/disabling the card
Push notifications for transactions and rewards
Biometric authentication support

Risk note. If the provider disappears, users lose access to funds held on the platform.

Mobile wallets

Apple Pay Supported

Google Pay Supported

Samsung Pay Not supported

Card tiers

Standard

Cashback: Promotional/variable
Card material: Virtual only
ATM free: Temporarily unavailable
Monthly limit: €10,000
Issuance fee: €0.00
Requirements: Full KYC verification on CEX.IO required

Up to 4 crypto wallets + 1 EUR wallet connections
Customizable payment priority order
Instant digital issuance via CEX.IO mobile app
No staking requirements

Banking services

● Sepa Transfers

SEPA top-up available with €0.00 fee

What users say

App Store

4.4/5.0 (12,713 ratings)

Google Play

4.2/5.0 (294,425 ratings)

Trustpilot

3.6/5.0 (23,332 ratings)

Mixed - positive comments highlight easy-to-use interface, convenient crypto spending, zero-fee structure, and smooth Apple Pay/Google Pay integration. Negative feedback mentions slow verification processes, withdrawal/deposit delays, inconsistent customer service experiences, and occasional card declines.

Risks & limitations

Risks

CounterpartyCustodial model means users lose access to funds if CEX.IO ceases operations
RegulatoryTemporary service suspension in the UK to comply with new regulations
RegulatoryCard operates in rapidly evolving regulatory landscape; future changes could impact functionality, limits, or availability

Limitations

moderateVirtual card only - no physical card option available
majorAvailable only to residents of EEA countries
moderatePromotional cashback rewards rather than fixed cashback rates
moderateATM operations are temporarily unavailable
minorRelatively modest spending limits (€3,000 daily, €10,000 monthly)
minorVariable conversion costs (not disclosed as fixed percentage)
minorMaximum 25 transactions per day

Roadmap

Recently shipped

Card launched May 2024
Cashback 2.0 promotion (May 2025)
Black Friday 5× Cashback promotion (November-December 2025)

Planned

Physical card option (implied)
ATM withdrawal functionality restoration
Geographic expansion beyond EEA

Best suited for

Active CEX.IO exchange users who want to easily spend their crypto holdings without withdrawing to a bank account, European cryptocurrency holders in EEA countries who value simplicity and low fees over guaranteed cashback programs, and mobile wallet users who prefer contactless payments via Apple Pay and Google Pay.

Our verdict

The CEX.IO Card provides a practical bridge between cryptocurrency holdings and everyday spending for eligible European users in the EEA. Its standout features include zero issuance and maintenance fees, broad cryptocurrency support, and seamless integration with mobile payment systems. The most significant limitations are its virtual-only format, restricted geographical availability, and promotional rather than guaranteed rewards structure.

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