Calculators

Crypto Card Real Cost Calculator

Estimate card fees, FX, funding costs and conservative cashback value.

Monthly spend amountSpend currencyCrypto source currencyCard issue feeMonthly feeAnnual feeFX fee%Spending fee%Settlement/deposit fee%Total monthly ATM feesCashback%Cashback haircut%Monthly transactions

Anyone with the link can read your entered amounts and settings. Share an illustrative scenario if the real figures are private.

Gross spend

1500.00 EUR

First-month fees (annual fee spread over 12 months)

30.00 EUR

Ongoing monthly fees

30.00 EUR

First-year fees at unchanged monthly spending

360.00 EUR

First-month effective fee

2.00%

Conservative cashback

7.50 EUR

First-month net cost

22.50 EUR

First-month fee per transaction

1.20 EUR

First-month net cost per transaction

0.90 EUR

All money inputs use the selected spend currency. The crypto selector is a label, not a live conversion. Issue fee is charged once; the annual fee is allocated monthly for comparison, although the provider may collect it upfront. ATM input is the total monthly ATM fees. Rewards depend on eligibility and caps; this is not a cash-flow forecast.

A dash means a ratio cannot be calculated with zero income, spending or transactions. Fixed charges may still apply; this is not a zero-percent fee.

Use the result to make the next decision

The estimate is a starting point. Compare the relevant terms and risks before acting.

Compare crypto cardsReview custody, KYC, FX, ATM and travel-use risk notes.Crypto cards clusterSee the broader crypto card decision hub.FX fee calculatorCompare normal card FX costs against crypto card assumptions.

Decision framework

Use this calculator before loading money onto a crypto-funded card for travel spending.

Crypto card cost is usually a stack of small costs: funding, conversion spread, card spend fee, ATM fee, recurring plan cost and uncertain rewards. Model rewards conservatively instead of treating them as certain.

USDT-funded travel month

A traveler planning 1,000 USD of card spend, a 2% FX cost, a 1% spending fee, a 5 USD monthly fee and a 50% cashback haircut can compare the net cost with a bank or multi-currency card before using the crypto card as the primary option.

Before trusting the result

Confirm card issuer country support and KYC requirements.
Check whether rewards apply to your merchant categories.
Keep a bank or multi-currency card as backup.
Do not keep all travel funds with one crypto provider.

Related next steps

FAQ

Does this calculator recommend a crypto card?

No. It estimates costs so you can compare the card with safer alternatives and official terms.

Should I include cashback?

Use a conservative haircut until you confirm caps, exclusions, token rules and eligibility.

Can crypto card fees change?

Yes. Issuer rules, regional availability, FX costs and rewards can change quickly.