CoinsOnCards
All cards
Crydit Card logo
DeFi maxiCrydit (multi-jurisdictional group)both● Live

Crydit Card

Custodial Visa/Mastercard debit card with unlimited spending and a personal European bank account.

The Crydit Card is a globally available crypto debit card designed for high-value users who want to spend digital assets at any merchant accepting Visa or Mastercard. It enables real-time crypto-to-fiat conversion at the point of sale, supporting over 1,000 cryptocurrencies and 160+ fiat currencies. Each card is linked to a personal bank account, offering traditional banking features alongside crypto spending.

Affiliate link — CoinsOnCards may earn a commission. Reviews are independent. How we rate.

Best for

High-volume users needing unlimited spending and a personal European bank account.

Skip if

You are in the US or unwilling to pay a $249 fee.

Network
both
Custody
custodial
KYC
full
Max cashback
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • Supports over 1,000 cryptocurrencies.
  • Available in 210+ countries.
  • Supports Apple Pay and Google Pay.
Watch outs
  • Requires a $249 one-time issuance fee.
  • Charges a 1.5% conversion fee on transactions.
  • 2.5% ATM withdrawal fee outside Denmark.
  • Unlimited spending but requires a $249 one-time issuance fee.
  • No annual/FX fees but a 1.5% conversion fee applies on spend.
  • Supports Apple Pay and Google Pay but is a custodial solution.

Basic information

{"Card Type":"Visa/Mastercard prepaid debit card","Key Feature":"Unlimited spending power with instant crypto-to-fiat conversion","Availability":"210+ countries (excludes US and sanctioned regions); supports 1,000+ cryptocurrencies","Standout Benefit":"No annual or FX fees; tiered VIP cashback program with high potential rewards","Biggest Downside":"$249 upfront fee, full KYC required, and custodial crypto storage"}

Spending & ATM limits

Notes
Bank transfer withdrawal: £2,000 GBP per 24 hours, max 10 transfers per day. Contactless payment: Standard local limits apply (typically ~$100 without PIN).
Atm Daily
£2,000 GBP (or equivalent) per day
Daily Spending
Unlimited
Per Transaction
Unlimited (constrained only by available balance)
Monthly Spending
Unlimited

Rewards

TierRateUp to
VIP 1
VIP 2
VIP 3
VIP 4
VIP 5
VIP 6
VIP 7
VIP 8

Availability

Available in 210+ countries globally. 54 countries explicitly listed as available. Restricted in 6 countries including United States and sanctioned regions. Key regions missing: United States, Japan, South Korea, India, Turkey.

Top-up & funding

  • Crypto deposit
  • In-app swap

Security & custody

  • Two-factor authentication (2FA)
  • Dual notification system (in-app push and SMS)
  • 3D Secure (3DS) dynamic verification
  • EMV chip PIN
  • Contactless limits
  • Instant card freezing via app
  • Anti-money laundering (AML) monitoring
  • Visa/Mastercard network fraud monitoring and dispute resolution

Risk note. If provider or custodians disappear, users lose access to their assets.

Mobile wallets

Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported

Card tiers

VIP 1

Cashback
Base rate (not disclosed)
Card material
Standard PVC with contactless chip
Monthly limit
Unlimited
Issuance fee
$249
Requirements
$249 card fee
  • Core card features
  • Customizable design themes with crypto motifs
  • Standard global shipping included

VIP 2-7

Cashback
Increasing percentages (not disclosed)
Card material
Standard PVC with contactless chip
Monthly limit
Unlimited
Issuance fee
$249
Requirements
Progressive spending milestones
  • Interim loyalty bonuses
  • Mystery gifts

VIP 8

Cashback
Maximum rate (not disclosed)
Card material
Standard PVC with contactless chip
Monthly limit
Unlimited
Issuance fee
$249
Requirements
Very high spending volume
  • Most valuable mystery prizes
  • Up to $110,000 aggregate cashback potential

Banking services

Sepa TransfersVirtual Accounts

Personal bank account provided in the background to facilitate card transactions. European banking integration through partnership with Danske Bank. SEPA payment capability for receiving payments within Europe.

What users say

App Store
4.2/5.0 (10 ratings)

Insufficient ratings on App Store (not enough reviews for numeric rating to be counted). Positive feedback on unlimited spending capability and ease of use; complaints about KYC delays and support responsiveness.

Risks & limitations

Risks
  • CounterpartyCustodial model with third-party custodians (Cobo and Ceffu) holding user funds
  • RegulatoryMulti-jurisdictional corporate structure across Hong Kong, BVI, Czech Republic, and Denmark may present regulatory complexity
  • RegulatoryInherent regulatory uncertainties in the crypto card space
Limitations
  • majorSignificant upfront cost ($249 issuance fee)
  • moderate1.5% conversion fee on all transactions
  • majorCustodial solution with counterparty risk
  • majorNot available in the United States
  • moderateThorough KYC verification with potential delays
  • moderateLimited transparency on exact cashback rates before signup
  • minorATM withdrawal fees (2.5% outside Denmark)
  • moderateKYC delays during onboarding reported by users
  • moderateSlow support responsiveness reported by users

Roadmap

Recently shipped
  • Mastercard program launched May 25, 2024

Best suited for

High-volume crypto users who need unlimited spending capacity, globally mobile individuals who keep wealth in crypto, Web3 businesses and DAOs, luxury spenders who need unlimited transaction capabilities, and users in regions with banking limitations.

Our verdict

Crydit Card represents a significant advancement in bridging the crypto and traditional financial worlds, offering a solution that combines the flexibility of digital assets with the universal acceptance of major card networks. Its standout feature is the unlimited spending capacity, allowing users to make purchases of any magnitude using their cryptocurrency holdings without the friction of manual conversion or withdrawal processes. The card's tiered VIP program rewards heavy usage with increasing cashback benefits, potentially offering substantial returns for high-volume spenders.

Ready to apply for the Crydit Card?

We may earn a commission if you apply through this link. Our reviews remain independent.

Visit official site