Comparisons

Crypto Card Fees Compared: 7 Cards for Travel

Crypto card fees for travel compared: FX markups such as 0.5% at Bybit EU (Sep 2026), free ATM allowances and country availability for 7 cards.

Which crypto card suits which traveler

Bybit Card suits EU residents who already use Bybit. The EU card is issued under Bybit EU, which adds 0.5% above the Mastercard rate on foreign-currency spending and issues the virtual and first physical card free (as of 26 Sep 2026). Nexo Card fits Nexo clients in selected European countries and Argentina who want to choose between Debit and Credit Mode; on the European terms, FX costs 0.2% on weekdays in the EEA, UK and Switzerland (as of 26 Sep 2026). Wirex is a fiat and crypto wallet with a free Standard plan and EUR 200 a month of ATM cash without a Wirex fee in the EEA (as of 26 Sep 2026). Crypto.com Card suits people already in the Crypto.com app: in the US the physical Basic card costs USD 4.99, and rewards depend on the Level Up plan (as of 26 Sep 2026); Crypto.com announced new EEA tier rules from 1 Oct 2026. RedotPay is a stablecoin card for supported countries at USD 10 virtual or USD 100 physical; it restricts Ukraine, the US, Russia and Belarus (as of 24 Aug 2026). Tria is the self-custody option, with an annual fee of USD 25, 109 or 250 by card (as of 31 Aug 2026). Gnosis Pay is for current holders only: the legacy card stops at 23:59 UTC on 20 Dec 2026 (as of 26 Sep 2026).

Decision framework

  1. Start with where you live. Nexo Card is issued in selected European countries and Argentina, EU residents get Bybit Card through Bybit EU, and Wirex, Crypto.com and Bybit set fees by region of residence (as of 26 Sep 2026). RedotPay restricts Ukraine, the US, Russia and Belarus (as of 24 Aug 2026).
  2. Price spending in another currency. Bybit EU adds 0.5% above the Mastercard rate; Nexo charges 0.2% on weekdays and 0.7% at weekends in the EEA, UK and Switzerland, and 2% and 2.5% in the rest of the world (as of 26 Sep 2026). RedotPay charges 1.2% outside the card’s billing currency (as of 24 Aug 2026); Tria lists up to 3% (as of 31 Aug 2026).
  3. Price cash withdrawals. The monthly allowance without a card fee is EUR 100 at Bybit EU, EUR 200 at Wirex in the EEA and about EUR 200 to EUR 2,000 at Nexo by loyalty tier; all three then charge 2% (as of 26 Sep 2026). RedotPay charges 2% on its USD card (as of 24 Aug 2026), and Tria up to USD 2 plus 3% (as of 31 Aug 2026).
  4. Decide whether you spend your own funds or borrow. Nexo Debit Mode spends your balance; Credit Mode is a loan against your crypto, with rates advertised from 1.9% a year (as of 26 Sep 2026).
  5. Add fixed costs, then count rewards last. Tria charges USD 25, 109 or 250 a year by card (as of 31 Aug 2026); RedotPay charges USD 10 for a virtual and USD 100 for a physical card (as of 24 Aug 2026). Wirex Cryptoback starts at 0.5% on the free Standard plan (as of 26 Sep 2026).

Who this is best for

  • EU residents already on Bybit who want a low FX markup: 0.5% above the Mastercard rate on Bybit EU (as of 26 Sep 2026).
  • Nexo clients in selected European countries or Argentina (as of 26 Sep 2026) who want to choose between spending their balance (Debit Mode) and borrowing against it (Credit Mode).
  • Self-custody users: Tria spends from your own wallet and says it supports 1,000+ tokens (as of 31 Aug 2026).
  • Stablecoin holders in supported countries: RedotPay spends USDT and USDC through USD-settled cards (as of 24 Aug 2026).
  • Crypto.com app users with a Level Up plan, because the plan sets the card rewards (as of 26 Sep 2026).

When to avoid

  • You live in Ukraine, the US, Russia or Belarus and are looking at RedotPay: it restricts these locations (as of 24 Aug 2026). Choose a card issued in your country of residence.
  • You are choosing a new card: pick one of the other six. The legacy Gnosis Pay card and web app stop at 23:59 UTC on 20 Dec 2026, and only the withdrawal function stays (as of 26 Sep 2026).
  • You withdraw cash often: Tria lists up to USD 2 plus 3% per ATM withdrawal (as of 31 Aug 2026), while Bybit EU, Wirex and Nexo start with a free monthly allowance (as of 26 Sep 2026).
  • You want one card for the whole trip: pair the crypto card with a bank or multi-currency card such as Wise or Revolut, so one blocked card does not leave you without a way to pay.

Decision shortlist

Filters7 results
Tria

Self-custodial Visa crypto card that supports 1,000+ tokens.

Region-dependent
Type
Virtual + physical
Availability
Usable in 150+ countries; sign-up rules and fees differ between the US and international programs
FX
Up to 3% FX fee, plus up to 1% international-transaction fee for cardholders outside the US (as of 31 Aug 2026)
ATM
Up to 2 USD plus 3% per ATM withdrawal
Cashback
Virtual: 1.5% on the first 100 USD monthly then 0.5%; Signature: 4.5% on the first 1,000 USD then 1%; Premium: 6% on the first 2,000 USD then 1%, subject to exclusions and distribution terms
KYC
Required
Watchout
If an amount owed is unpaid or collateral value falls, Tria can liquidate your collateral

Best for

  • Self-custody-focused crypto spenders
  • Crypto holders who want cashback on everyday card spending
Last checked: Tria card overview
ReviewCheck terms
Nexo Card

Dual-mode crypto Mastercard for selected European residents and eligible Argentine clients.

Region-dependent
Type
Virtual + physical
Availability
Selected European countries and Argentina (as of 26 Sep 2026)
FX
0.2% FX on weekdays in the EEA/UK/CH, 2% elsewhere; 0.7% and 2.5% at weekends (European terms, as of 26 Sep 2026). Gold and Platinum waivers depend on your account terms
ATM
Free monthly allowance by loyalty tier (roughly EUR 200 Base up to EUR 2,000 Platinum), then 2% (min about EUR/GBP 1.99)
Cashback
European Credit Mode: up to 2% in NEXO or 0.5% in BTC with a balance above USD 5,000, by loyalty tier and market. Argentina and the UK have their own rewards terms
KYC
Required
Watchout
Custodial account and collateralized credit exposure can affect access to funds

Best for

  • Existing Nexo users in eligible European countries or Argentina
  • Crypto holders who want to spend their crypto or borrow against it
Last checked: Nexo European/global card conditions
ReviewCheck terms
Gnosis Pay

Legacy Gnosis Pay card ends on 20 December 2026; withdrawals stay available after closure.

Limited
Type
Virtual + physical
Availability
Legacy card: existing holders only, until 20 December 2026; partner cards have their own eligibility.
FX
Legacy card: your existing contract until 20 December 2026; partner cards set their own fees.
ATM
Legacy card: your existing contract until 20 December 2026; partner cards set their own fees.
Cashback
Partner cards require separate terms; legacy fees, limits and rewards do not carry over automatically.
KYC
Required
Watchout
The legacy card and web app stop at 23:59 UTC on 20 December 2026, except the withdrawal function.

Best for

  • Existing holders planning the end of their legacy card
  • Download transaction history before closure and keep refund confirmations; individual dispute time limits still apply.
Last checked: Gnosis Pay formal closure notice, 21 September 2026
ReviewCheck terms
RedotPay

Custodial Visa crypto card offered in 100+ supported countries.

Region-dependent
Type
Virtual + physical
Availability
Available in 100+ countries; not in Ukraine, the US, Russia, Belarus and other restricted jurisdictions
FX
No RedotPay fee in the card billing currency; 1.2% for another currency; a 1% crypto-conversion fee can also apply
ATM
USD card: 2% up to 10,000 USD/month and 3% above; legacy HKD card: 2%; ATM operator fees can be separate
Cashback
Optional RedotPay Pro: 3% cashback on Apple Pay and Google Pay purchases, capped at 18 USDs/month; rewards cannot be withdrawn and normally expire after 30 days (as of 24 Aug 2026)
KYC
Required
Watchout
Stablecoin card access depends on KYC, sanctions and issuer rules

Best for

  • Users in supported countries who want stablecoin-funded spending
  • Travelers who want to start with a virtual card and add a physical one later
Last checked: RedotPay services and features
ReviewCheck terms
Wirex

Crypto and fiat card wallet with fees and limits that differ by region.

Region-dependent
Type
Virtual + physical
Availability
Available in 130+ countries; card availability differs by country
FX
Rate and fees depend on the currency pair and liquidity; the app shows the full quote before you exchange
ATM
No Wirex ATM fee on the first GBP 200 a month in the UK or EUR 200 in the EEA, then 2% (as of 26 Sep 2026). Other regions have their own allowances; ATM operators may charge separately.
Cashback
Cryptoback from 0.5% on Standard up to 8% on paid plans with qualifying WXT locks and conditions (as of 26 Sep 2026)
KYC
Required
Watchout
Custody differs by product: Wirex One and Wirex BaaS cards are self-custodial; the consumer Wirex app card has its own terms

Best for

  • People who want fiat and crypto balances behind one card
  • Travelers based in the UK or EEA who want a free monthly ATM allowance
Last checked: Wirex fees and delivery
ReviewCheck terms
Crypto.com Card

Exchange-linked prepaid card with regional and tiered fees.

Region-dependent
Type
Virtual + physical
Availability
Separate card programs for the US, Europe, the UK, Canada, Singapore, Australia and some GCC markets, each with its own fees
FX
US: 3% on non-USD purchases and ATM cash for Midnight, Ruby, Jade and Indigo; no FX fee on higher tiers (as of 26 Sep 2026). EEA: new tier rules from 1 Oct 2026 (Basic was 0.2% in the EU/UK, 2% outside, until 30 Sep 2026)
ATM
US: 200, 400, 800 or 1,000 USD free per month by tier, then 2%
Cashback
Level Up Basic has no spend rewards. US Level Up: Plus 1.5%, Pro 2.5%, Private 3.5% or 4.5% on qualifying spend, with monthly caps (as of 26 Sep 2026); other regions have their own caps and eligibility.
KYC
Required
Watchout
The exchange holds your funds, and its checks or restrictions can block the card

Best for

  • Crypto.com app users who want a prepaid card funded from the app
  • Level Up subscribers who want rewards on card spending
Last checked: Crypto.com regional prepaid-card fee collection
ReviewCheck terms
Bybit Card

Exchange-linked Bybit card with regional FX, conversion and ATM fees.

Region-dependent
Type
Virtual + physical
Availability
Regional programs: Bybit EU issues the card to eligible European residents under its own terms and fees; other regions apply through the global program.
FX
Bybit EU: 0.5% above the Mastercard rate. Global programs: 1%-7% depending on the region; Kazakhstan uses a cross-border fee. Crypto conversion is charged separately (as of 26 Sep 2026).
ATM
EU: 2% on the amount above the EUR 100 monthly allowance. Global programs use different currencies and allowances. Operator and crypto-conversion fees can be additional.
Cashback
Rewards depend on the current campaign, tier and region; the app shows the rate that applies
KYC
Required
Watchout
Exchange account access, card issuer support and compliance rules can change

Best for

  • Existing Bybit users in supported regions
  • Residents of Europe who want to spend crypto through the Bybit EU card
Last checked: Bybit global regional fees and limits, September 10
ReviewCheck terms

How we evaluate

The table compares each card’s custody, FX and ATM fees, monthly and issue fees, rewards and issuing countries, taken from the provider’s official fee and terms pages.

Related next steps

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FAQ

Which crypto card has the lowest FX fee for travel?

Among the published rates on this page: in the EEA, UK and Switzerland, Nexo Card charges 0.2% on weekdays and 0.7% at weekends, and Bybit EU adds 0.5% above the Mastercard rate (both as of 26 Sep 2026). In the rest of the world Nexo charges 2% and 2.5%, so Bybit EU’s 0.5% is the lower of the two for trips to Asia or the Americas. RedotPay charges 1.2% outside the card’s billing currency (as of 24 Aug 2026), Tria lists up to 3% (as of 31 Aug 2026), and Wirex quotes its rate in the app for each currency pair (as of 26 Sep 2026).

How much does it cost to withdraw cash with a crypto card?

Bybit EU: free up to EUR 100 a month, then 2%. Wirex: free up to EUR 200 a month in the EEA or GBP 200 in the UK, then 2%. Nexo: free up to about EUR 200 to EUR 2,000 a month by loyalty tier, then 2% with a minimum of about EUR 1.99. Crypto.com Card in the US: USD 200 to USD 1,000 a month free by tier, then 2% (all as of 26 Sep 2026). RedotPay: 2% on the USD card up to USD 10,000 a month and 3% above (as of 24 Aug 2026). Tria: up to USD 2 plus 3% per withdrawal (as of 31 Aug 2026). The ATM operator can add its own fee.

Do crypto cards require identity verification?

Yes. Tria, Nexo Card, Gnosis Pay, RedotPay, Wirex, Crypto.com Card and Bybit Card all require identity verification (KYC) before you can use the card.

Is Gnosis Pay closing?

The legacy Gnosis Pay card and web app stop at 23:59 UTC on 20 Dec 2026; the withdrawal function stays available after that. Partner cards have their own terms, and legacy fees, limits and rewards do not carry over automatically (as of 26 Sep 2026). Download your transaction history before the closure.

Which of these crypto cards can I get in my country?

Nexo Card is issued in selected European countries and Argentina; EU residents get Bybit Card through Bybit EU; Wirex, Crypto.com and Bybit publish separate fees and limits for each region of residence, and Wirex lists Ukraine as an account country without card availability (as of 26 Sep 2026). RedotPay states 100+ countries and restricts Ukraine, the US, Russia, Belarus and other listed jurisdictions (as of 24 Aug 2026). Tria markets card use in 150+ countries, with onboarding set by region (as of 31 Aug 2026).

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Crypto card balances are not bank deposits, and fees and availability change, so check current terms before you load funds. How we compare