Basic
- Card material
- Standard plastic
- Monthly limit
- €20,000
- Issuance fee
- €32 (Physical) / €10 (Virtual)
- Requirements
- 0 FNTIO
- Basic access to card system
- €10,000/day (physical)
- €5,000/day (virtual)
DeFi maxiGlobal Unit Pay (GUP-CH AG)mastercard● Live
FNT Crypto Card
A hybrid-custody Mastercard prepaid card with tiered fee discounts up to 40% based on FNTIO token holdings.
The FNT Crypto Card is a prepaid Mastercard designed for crypto users seeking seamless conversion of digital assets to fiat for everyday spending. It enables instant crypto-to-euro top-ups, supporting 14+ cryptocurrencies and 8+ blockchain networks, with both physical cards (in 31 European countries) and virtual cards (global, except restricted regions).
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Best for
FNTIO token holders in Europe seeking up to 40% fee discounts.
Skip if
You need a physical card outside 31 European countries or dislike holding FNTIO.
Network
mastercard
Custody
hybrid
KYC
full
Max cashback
0.00%
Min monthly fee
$15
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Tiered discounts up to 40% on fees.
- Supports 8+ blockchain networks including Polygon, BSC, and TON.
- Seamless integration with Apple Pay and Google Pay.
Watch outs
- Standard 2% top-up fee before tier discounts.
- Potential €15 monthly or €150 annual maintenance fees.
- Physical cards limited to 31 European countries.
- Dedicated mobile apps are still in development (Q3 2025).
- Pay a 2% top-up fee, reducible to 1.2% with FNTIO.
- No transaction fees in EUR, but a potential €15 monthly fee applies.
Basic information
{"Type":"Mastercard prepaid debit (physical & virtual)","Key Feature":"Instant crypto-to-fiat top-up with zero transaction and FX fees in EUR; potential monthly (€15) or annual (€150) maintenance fees may apply (fee schedule subject to confirmation—refer to official app or terms)","Availability":"Physical cards in 31 European countries; virtual cards available globally (excl. restricted regions)","Standout Benefit":"Tiered fee, card purchase, and top-up discounts for FNTIO token holders; cashback is referenced as a tier-based benefit in official materials (availability and rates unclear); broad crypto/network support","Biggest Downside":"2% top-up fee (reduced by tier); limited physical card access outside Europe"}
Spending & ATM limits
- Notes
- VIP card (upcoming) will have €50,000/day and €250,000/month limits
- Daily Spending
- €10,000 (Physical) / €5,000 (Virtual)
- Monthly Spending
- €20,000 combined
Rewards
Availability
Physical cards in 31 European countries (EU/EEA plus Switzerland); virtual cards available globally except restricted regions. Notable exclusions: United Kingdom and United States.
Top-up & funding
- Crypto (14+ cryptocurrencies)
- FNT web platform
- Telegram mini-app
Instant crypto-to-fiat conversion
Security & custody
- Two-factor authentication
- Ability to freeze cards via app
- EMV chip security for physical cards
- Segregated accounts for fiat balances
Risk note. If provider disappears, unconverted crypto remains with user; fiat card balance may be lost.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Silver
- Card material
- Standard (silver-themed)
- Monthly limit
- €20,000
- Issuance fee
- 10% discount on €32/€10
- Requirements
- 1,000 FNTIO
- 10% referral rewards
- 10% trading fee discount
- 10% staking yield bonus
Gold
- Card material
- Standard (gold-colored)
- Monthly limit
- €20,000
- Issuance fee
- 20% discount on €32/€10
- Requirements
- 10,000 FNTIO
- 20% referral rewards
- 20% trading fee discount
- 20% staking yield bonus
Platinum
- Card material
- Premium design
- Monthly limit
- €20,000
- Issuance fee
- 30% discount on €32/€10
- Requirements
- 50,000 FNTIO
- 30% referral rewards
- 30% trading fee discount
- 30% staking yield bonus
Black
- Card material
- Premium (possibly metal)
- Monthly limit
- €20,000 (eligible for upcoming VIP card with €250,000/month)
- Issuance fee
- 40% discount on €32/€10
- Requirements
- 100,000 FNTIO
- 40% referral rewards
- 40% trading fee discount
- 40% staking yield bonus
- Eligible for upcoming VIP card with higher limits
Loan & credit features
Crypto Credit Line (planned Q3 2025) - ability to use crypto as collateral for a flexible credit line, tied to LTV
Crypto Credit Cards planned launch in Q3 2025 alongside LTV functionality
What users say
No public user ratings available yet
Risks & limitations
Risks
- CounterpartyFiat card balance may be lost if provider disappears
- MarketBenefits heavily tied to FNTIO token holdings - token value fluctuation affects tier benefits
Limitations
- moderate2% top-up fee when converting crypto to fiat (reduced with higher tiers)
- moderatePhysical cards limited to 31 European countries (EU/EEA plus Switzerland)
- moderateBenefits heavily tied to FNTIO token holdings
- moderateMonthly (€15) or annual (€150) maintenance fees may apply
- minorDedicated mobile apps still in development (scheduled for Q3 2025)
- minorCashback program details not clearly specified
- minorSome merchants may not accept prepaid cards for certain transactions (hotels, car rentals)
- minorCannot convert fiat balance back to crypto through FNT
Roadmap
Planned
- VIP Card Program with higher limits (€50,000/day, €250,000/month)
- Crypto Credit Line (Q3 2025)
- Crypto Credit Cards (Q3 2025)
- Gamified Rewards with in-app quests and FUNT token rewards
- Dedicated iOS and Android apps (Q3 2025)
Best suited for
European Crypto Enthusiasts who want to utilize digital assets in daily life, Frequent European Travelers who appreciate zero FX fees, FNTIO Token Holders who can maximize benefits through the tiered membership system, Crypto Projects seeking white-label card solutions, and Telegram-Centric Users who value seamless integration.
Our verdict
The FNT Crypto Card successfully bridges the gap between cryptocurrency holdings and everyday spending with a straightforward, compliance-focused approach. Its standout features include zero transaction fees, no FX markups when spending in the card's native currency, and a comprehensive membership tier system that rewards loyal users with substantial discounts of up to 40% on card purchase and top-up fees. However, users should carefully consider the total cost of ownership, which includes the 2% top-up fee plus potential monthly or annual maintenance fees.
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